Pag-IBIG Home Loan Calculator
Estimate your monthly payments, total cost, and compare loan scenarios
Loan Details
Rate & Term Scenarios
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Pag-IBIG Home Loan Calculator
Planning to buy a home through a Pag-IBIG Housing Loan? This tool helps you estimate your monthly amortization and understand the true cost of your loan before you commit.
How it works: Simply enter your Total Contract Price (TCP) and down payment — the calculator automatically computes your loanable amount. Then add one or more interest rate and loan term combinations to compare scenarios side by side.
What you’ll see:
- Estimated Monthly Payment — based on standard amortization formula
- Total Cost with Interest — the full amount you’ll pay over the life of the loan
- Total Interest Earned — how much goes to interest vs. principal
- Scenario Comparison — compare multiple rate and term options in one table to find the best fit for your budget
- Amortization Preview — view a month-by-month breakdown showing how each payment is split between principal and interest
Built-in Pag-IBIG Rate Presets: Not sure which rates to compare? Load the preset Pag-IBIG interest rate tiers (6.5% to 9.755%) across different loan terms (10 to 30 years) with one click.
This calculator follows the standard loan amortization formula used by Pag-IBIG and other financial institutions. All amounts are displayed in Philippine Peso (₱). Use it as a starting point to plan your home purchase — for official loan approval and exact figures, visit your nearest Pag-IBIG branch or apply through the Pag-IBIG Fund website.