Find out what you can actually afford
Real DTI math, a readiness score, and the cash you'd need at signing — before you talk to a loan officer.
Downpayment
Loan term
Assumed interest rate
Standard fixing-period rates shown. 2026 promo rates (from 4.50%) and the full ₱10M loan ceiling are in the Housing Loan Calculator.
Illustrative model — not Pag-IBIG's actual underwriting formula. Confirm real eligibility and rates with Pag-IBIG Fund directly.
Good news — this plan looks workable.
Financial Readiness
Fair
Debt-to-Income
GoodDownpayment Readiness
FairLoan Term Fit
GoodEmergency Fund Coverage
LowLoan Amount
₱2,000,000.00
Monthly Amortization
₱14,911.46
Total Debt-to-Income
29.9%
Required Cash
₱625,000.00
Savings Gap
-₱25,000.00
Emergency Fund Target
₱89,468.78
Principal vs. interest
DTI by downpayment
Cash you'd need at signing
₱625,000.00
You're ₱25,000.00 short of that today.
Suggested downpayment
Consider 20–25% down
Based on your current DTI
Strategy fit
Required documents, approval tips, and timing
Required documents
- Two valid government-issued IDs
- Proof of income (payslips, ITR, or business documents depending on employment type)
- Proof of at least 24 months of Pag-IBIG contributions
- Title, tax declaration, and other property documents
- Completed Housing Loan Application Form
Approval tips
- Keep your total DTI (existing debts + this loan) under 40% before applying — it's the single biggest factor in this model
- Settle small existing debts first; they weigh on DTI more than their size suggests
- Have all documents ready in one visit — incomplete submissions are the most common delay
- Get the property appraised early so financing and paperwork move in parallel
Processing time
Commonly several weeks to a few months from complete application to loan release, depending on documentation completeness, property type, and current processing volume. Treat any specific timeline you're quoted as an estimate, not a guarantee.
How the health score works
Four factors are each independently rated Excellent, Good, Fair, or Low, converted to points (95 / 80 / 60 / 35), then combined into a single weighted average:
≤20% excellent · ≤30% good · ≤40% fair
≥6mo excellent · ≥3mo good · ≥1mo fair
savings ≥1.5× need excellent · ≥1× good · ≥0.6× fair
≤15yr excellent · ≤20yr good · ≤25yr fair
The weighted average becomes your 0–100 score, then maps to a label: 88+ Excellent, 72–87 Good, 55–71 Fair, below 55 Needs Work. This is an illustrative, transparent heuristic built for this site — it uses general industry DTI bands and a flat estimated-fees assumption, not Pag-IBIG's actual underwriting formula, which weighs credit history, appraisal, and employment factors this tool has no access to.
Before you rely on this
- • Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government.
- • DTI thresholds and the flat estimated-fees assumption behind this score are general industry conventions, not Pag-IBIG's published underwriting formula. Real approval also weighs credit history, appraisal, and employment factors this tool can't see.
- • Rates and the loan ceiling shown here can change by circular — see the rate tiers guide for the full current schedule.
Affordable Housing Program (AHP): Who Qualifies for the 3% Rate
The real income and property ceilings behind Pag-IBIG's subsidized 3% Expanded 4PH rate — and what disqualifies an otherwise-eligible buyer.
Buying an Acquired/Foreclosed Property from Pag-IBIG
How the Online Public Auction actually works, the three payment modes, and the real trade-offs of buying 'as-is, where-is.'
End-User vs. Developer-Assisted Financing: What's the Difference?
Two application paths to the same loan program — what a developer's help actually covers, and where Pag-IBIG's approval still applies regardless.
Pag-IBIG Home Improvement Loan: Renovating with Pag-IBIG Financing
Three real ways to finance a renovation through Pag-IBIG — the short-term Home Improvement Loan, a regular housing loan, or the newer HEAL equity product.
Common Reasons Pag-IBIG Housing Loan Applications Get Rejected
The recurring, avoidable reasons applications get returned or denied — most of them catchable before you ever submit.
Pag-IBIG Housing Loan for OFWs: What's Different
Applying, signing documents, and managing a housing loan from abroad — the practical differences OFW applicants need to plan around.
What Happens If a Pag-IBIG Housing Loan Goes to Foreclosure
The actual legal process, timeline, and your redemption rights if a housing loan reaches foreclosure — and why acting before this point matters most.
Pag-IBIG Housing Loan Insurance (MRI & Fire Insurance) Explained
The two mandatory insurance coverages behind every Pag-IBIG housing loan — what each actually protects, and how premiums get paid.
Pag-IBIG Housing Loan Interest Rate Tiers Explained
How fixing periods work, the current promo vs. standard rates, and how to actually choose between them.
Pag-IBIG Loan Restructuring: Options If You're Struggling to Pay
What actually happens when a housing loan falls delinquent, the real restructuring options, and why acting early matters more than anything else here.
Lot Only, House Construction, and Renovation: Which Pag-IBIG Loan Fits?
Buying a house isn't the only option — here's how Pag-IBIG's lot-purchase, house-construction, and renovation loan options actually differ.
Pag-IBIG for OFWs: How to Contribute From Abroad
How OFW membership works, whether it's mandatory for you, and how to contribute and track your account while working overseas.
Pag-IBIG Housing Loan Requirements & Application Process
The eligibility requirements, documents, and step-by-step process for a Pag-IBIG housing loan — from contribution history to loan release.
Pag-IBIG vs. Bank Home Loans: Which Fits Your Situation?
Different rate structures, different eligibility bars, different loan ceilings — how a Pag-IBIG housing loan actually compares to a bank mortgage.
Pag-IBIG Rates & Numbers: The Complete Reference
Every current Pag-IBIG rate and ceiling in one place — MP2, Regular Savings, MPL, Calamity Loan, Housing Loan — with sources and verification dates.
Pag-IBIG Housing Loan for Self-Employed Applicants
No payslip, no employer certificate — here's how income verification actually works for self-employed and freelance housing loan applicants.
Voluntary & Self-Employed Membership: The Complete Guide
How Pag-IBIG membership works when there's no employer to split contributions with — enrollment, cost, and what freelancers actually get access to.
What is Pag-IBIG Fund? The Complete 2026 Guide
What Pag-IBIG Fund actually does, who has to join, and how Regular Savings, MP2, and its loan programs fit together — in plain terms.