Pag-IBIG Housing Loan Calculator 2026
A Pag-IBIG housing loan of ₱ 1,000,000 over 30 years at 6.25%, fixed for 3 years, costs about ₱ 6,157.17 a month. To qualify, your gross monthly income should be about ₱ 17,591.91 or more.
Tables: 2026
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Result
Monthly amortization at 6.25%
₱ 6,157.17
Tables: 2026
| Loan amount | ₱ 1,000,000.00 |
|---|---|
| Monthly amortization at 6.25% | ₱ 6,157.17 |
| Total interest over the term | ₱ 1,216,583.04 |
| Total amount paid | ₱ 2,216,583.04 |
| Gross monthly income needed (35% rule) | ₱ 17,591.91 |
Notes
- After the fixed period the rate is repriced, so the payment can go up or down.
- Mortgage redemption insurance and fire insurance are not included.
How this was computed
Monthly amortization = P × r ÷ (1 − (1 + r)^−n), where P is the loan amount, r is the annual rate (6.25%) ÷ 12 and n is 360 months. The rate is fixed for 3 year(s) and then repriced. The amortization should be at most 35% of gross monthly income. Maximum loan: ₱ 6,000,000; maximum term: 30 years.
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Estimate only. Not legal, tax, or financial advice.
Worked example
Loan ₱ 1,000,000 for 30 years at 6.25%, fixed for 3 years. Monthly amortization: ₱ 6,157.17. Total interest over 360 months: ₱ 1,216,583.04. Gross monthly income needed: ₱ 17,591.91.
How it works
The calculator uses the standard amortization formula at the rate for the fixed-pricing period you choose, builds the month-by-month schedule of interest and principal, and computes the gross income needed so that the payment stays within 35% of income. Rates come from the Pag-IBIG pricing table; after the fixed period the rate is repriced.
Monthly amortization = P × r ÷ (1 − (1 + r)^−n), where P is the loan amount, r is the annual rate (6.25%) ÷ 12 and n is 360 months. The rate is fixed for 3 year(s) and then repriced. The amortization should be at most 35% of gross monthly income. Maximum loan: ₱ 6,000,000; maximum term: 30 years.
Frequently asked questions
How much is the monthly amortization for a ₱ 1,000,000 Pag-IBIG loan?
About ₱ 6,157.17 a month over 30 years at 6.25%, before insurance.
What is the maximum Pag-IBIG housing loan?
Up to ₱ 6,000,000, depending on your income, age and the value of the property, with a term of up to 30 years.
How much income do I need for a Pag-IBIG housing loan?
The monthly amortization should be at most 35% of your gross monthly income. For the example above, that means about ₱ 17,591.91 a month.
What does the fixed-pricing period mean?
It is the number of years your interest rate stays the same. After that, Pag-IBIG reprices the loan at the rate then in force, so your payment can change.