Pag-IBIG Loan Calculator
Calculate Pag-IBIG housing loan payments and eligibility requirements
Loan Analysis
Monthly Payment
Total Payment
Total Interest
Loan to Value
Maximum Loan Amount
Required Monthly Income
Pag-IBIG Housing Loan Guidelines
Pag-IBIG (Home Development Mutual Fund or HDMF) is the Philippine government's housing finance institution that provides affordable housing loans to Filipino members. The fund offers competitive interest rates and flexible payment terms for home purchase, construction, or improvement.
Key Requirements
- Active Pag-IBIG membership with at least 24 monthly contributions
- Regular monthly contributions (not more than 1 month arrears)
- Maximum loan term of 30 years
- Maximum age of 65 years at loan maturity
- Good credit standing with Pag-IBIG and other credit institutions
- Sufficient income to meet monthly amortization requirements
- Valid identification and proof of income
Loan Features
- Loanable amount up to ₱6 million
- Financing up to 90% of appraised value or contract price, whichever is lower
- Flexible payment terms: 5 to 30 years
- Competitive and fixed interest rates for the loan term
- No prepayment penalty
- Lower down payment compared to bank financing
References
The loan calculations and guidelines used in this calculator are based on official Pag-IBIG Fund information:
Note: Actual loan terms and approval are subject to Pag-IBIG's evaluation of your application, income, and other factors. Interest rates may vary based on loan term and market conditions. This calculator provides estimates for educational purposes only. Please consult with Pag-IBIG Fund directly for the most current rates and requirements.
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