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Housing loan calculator.
Type the property price, the down payment, the rate and the term. Get the monthly amortisation, the total paid over the loan and the income a lender usually asks for.
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Housing loan calculator
Monthly amortisation
₱12,314.34
On a ₱2,500,000 home with 20% down, a Pag-IBIG loan of ₱2,000,000.00 at 6.25% for 30 years has a monthly amortisation of ₱12,314.34, a total of ₱4,433,162.40 paid, and usually needs a gross monthly income of about ₱35,183.83.
| Down payment | ₱500,000.00 |
|---|---|
| Loan amount | ₱2,000,000.00 |
| Interest rate a year | 6.25% |
| Monthly amortisation | ₱12,314.34 |
|---|---|
| Total interest | ₱2,433,162.40 |
| Total paid over the term | ₱4,433,162.40 |
| Gross monthly income needed (35% rule) | ₱35,183.83 |
|---|
| Year | Paid | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | ₱147,772.08 | ₱124,336.22 | ₱23,435.86 | ₱1,976,564.14 |
| 2 | ₱147,772.08 | ₱122,828.78 | ₱24,943.30 | ₱1,951,620.83 |
| 3 | ₱147,772.08 | ₱121,224.38 | ₱26,547.70 | ₱1,925,073.13 |
| 4 | ₱147,772.08 | ₱119,516.78 | ₱28,255.30 | ₱1,896,817.84 |
| 5 | ₱147,772.08 | ₱117,699.35 | ₱30,072.73 | ₱1,866,745.11 |
| 6 | ₱147,772.08 | ₱115,765.02 | ₱32,007.06 | ₱1,834,738.05 |
| 7 | ₱147,772.08 | ₱113,706.27 | ₱34,065.81 | ₱1,800,672.24 |
| 8 | ₱147,772.08 | ₱111,515.09 | ₱36,256.99 | ₱1,764,415.25 |
| 9 | ₱147,772.08 | ₱109,182.98 | ₱38,589.10 | ₱1,725,826.15 |
| 10 | ₱147,772.08 | ₱106,700.86 | ₱41,071.22 | ₱1,684,754.92 |
| 11 | ₱147,772.08 | ₱104,059.08 | ₱43,713.00 | ₱1,641,041.92 |
| 12 | ₱147,772.08 | ₱101,247.38 | ₱46,524.70 | ₱1,594,517.22 |
| 30 | ₱147,776.30 | ₱4,883.70 | ₱142,892.61 | ₱0.00 |
How it was worked out
- Loan amount. ₱2,500,000.00 − 20% down payment (₱500,000.00) = ₱2,000,000.00. (Home Development Mutual Fund (Pag-IBIG Fund), housing loan program guidelines)
- Rate. No rate entered, so a typical Pag-IBIG Fund rate of 6.25% a year is used: 0.5208% a month. Your lender's offer is the figure that counts. (Home Development Mutual Fund (Pag-IBIG Fund), housing loan program guidelines)
- Monthly amortisation. The level payment that clears ₱2,000,000.00 in 360 months at 0.5208% a month: ₱2,000,000.00 × 0.005208 ÷ (1 − (1 + 0.005208)^−360) = ₱12,314.34.
- Total paid. ₱12,314.34 × 360 months = ₱4,433,162.40, of which ₱2,433,162.40 is interest.
- Income needed. Lenders usually keep the amortisation within 35% of gross monthly income: ₱12,314.34 ÷ 35% = ₱35,183.83. (Home Development Mutual Fund (Pag-IBIG Fund), housing loan program guidelines)
- The schedule shows the first 12 years and the last; the other 17 follow the same pattern.
- The rate is fixed only for the repricing period you choose, then reset to the lender's rate at that time.
- Fire and mortgage redemption insurance, transfer taxes, registration and processing fees are left out.
- Check the current rates and your loan eligibility with Pag-IBIG Fund.
Rates and rules as of November 8, 2026. A guide, not legal or tax advice.
Rate changes
Know the day the rates change.
Questions
Asked and answered.
How is the monthly amortisation of a housing loan computed?
Monthly payment = loan × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12 and n the number of months. A ₱2,000,000 loan at 6.25% for 30 years is about ₱12,314 a month.
How much can I borrow from Pag-IBIG for a house?
Up to ₱10,000,000, for up to 30 years, depending on your income, age, capacity to pay and the appraised value of the property.
How much income do I need for a housing loan?
Lenders usually keep the monthly amortisation within about 35% of gross monthly income. A ₱12,314 amortisation needs about ₱35,200 a month.
Is a Pag-IBIG housing loan cheaper than a bank loan?
Often, for smaller loans, because Pag-IBIG's rates for lower brackets are usually below bank rates and its terms run longer. Compare the actual offers, since both reprice.
From Keystone
This is one figure Keystone works out for you.
Keystone is Tekhx's ready-made real estate system for Philippine businesses. It does this, and everything around it, for every record, every day.