Pag-IBIG Housing Loan Calculator
Calculate your monthly amortization with 2025 Pag-IBIG interest rates. See total cost and required income to qualify.
How This Calculator Works
This calculator uses the standard amortization formula with Pag-IBIG's 2025 interest rates:
- Interest Rates: 5.75% (1-year repricing) to 9.75% (30-year repricing)
- Maximum Loan: P6,000,000
- DTI Limit: Your monthly payment cannot exceed 35% of gross income
- LTV: 95% for properties under P2.5M, 90% for properties over P2.5M
Actual loan approval depends on Pag-IBIG assessment. You need at least 24 monthly contributions to qualify.
Related Tools
- Affordability Calculator — Find out how much house you can afford
- Reverse Affordability Calculator — Start from your target monthly payment
- Pag-IBIG vs Bank — Compare with bank financing options
- Document Checklist — Get your Pag-IBIG document requirements
Related Guides
- Complete Pag-IBIG Housing Loan Guide — Everything you need to know about Pag-IBIG loans
- OFW Condo Buying Guide — Country-specific guide for buying from abroad
- How to Buy Property While Working Abroad — Step-by-step guide for OFWs
Pag-IBIG Calculator FAQs
What is repricing period?
Repricing period is how long your interest rate stays fixed. For example, a 3-year repricing means your rate stays the same for 3 years, then may adjust. After repricing, your new rate will be based on market conditions at that time — it could go up or down.
What repricing period should I choose?
Shorter periods (1-3 years) have lower rates but your rate can change sooner. Longer periods (20-30 years) have higher rates but stay fixed for the full term. For OFWs who want predictable monthly payments and peace of mind, longer repricing is often better. If you plan to pay off early or sell within a few years, shorter repricing saves money.
Can I pay more than the monthly amortization?
Yes, Pag-IBIG allows advance payments. Extra payments go toward principal, reducing your total interest. There are no prepayment penalties.
What happens if I don't meet the required income?
You can add a co-borrower (spouse, parent, sibling) to combine incomes. Alternatively, consider a longer loan term to reduce monthly payments, or a smaller loan amount.
Are these the actual rates I'll get?
These are the published Pag-IBIG rates for 2025. Your actual rate depends on your membership status and the repricing period you choose. Rates may change, so verify with Pag-IBIG before applying.
How do I know if I qualify for Pag-IBIG?
You need: (1) at least 24 monthly Pag-IBIG contributions, (2) active membership through Pag-IBIG Overseas Program if you're an OFW, (3) not over 65 at loan maturity, (4) no existing Pag-IBIG housing loan.
Not Sure if Pag-IBIG is Right for You?
Compare Pag-IBIG with bank financing to see which saves you more.