Pag-IBIG Housing Loan Calculator (2026)
Calculate monthly amortization with current 2026 rates, including the 4PH 3% subsidized rate.
Last updated 2026-05-17. 4PH 3% and Promo 4.5% confirmed from news sources. Standard tier rates (5.875%-9.75%) are indicative; confirm with pagibigfund.gov.ph before committing.
Pag-IBIG offers three housing loan tracks in 2026: the 4PH at 3% for low-income members and OFWs, a Non-Socialized Promo at 4.5%, and the Standard Housing Loan with rates from 5.875% to 9.75% depending on loan size and fixed pricing period. Use this calculator to see what you would actually pay each month, check 4PH eligibility, and stress-test against repricing after the fixed period.
Typical down payment is 5% (PHP 150,000) for properties up to PHP 2.5M, 10% above that.
4PH income thresholds differ by location: PHP 47,856 NCR, PHP 34,686 outside NCR.
1 to 30 years. Age at maturity must not exceed 70.
Auto-detect chooses 4PH if your income and property qualify; otherwise standard.
Longer fixed periods mean higher initial rates but more stability against repricing.
₱17,963
for 30 years at 7.000%
Total Interest
₱3,766,740
over 360 months
Total Paid
₱6,466,740
principal + interest
Closing costs (CGT, DST, transfer tax, registration, notarial) are paid at signing on top of the down payment.
Compute closing costs for this property →Disclaimer
This calculator is for estimation only. The official Pag-IBIG amortization includes a Mortgage Redemption Insurance (MRI) premium that is not included here. The 4PH 3% rate and 4.5% promo rate are confirmed from public sources; standard tier rates (5.875% to 9.75%) used in this calculator are indicative and should be verified against the official Pag-IBIG rate schedule at pagibigfund.gov.ph before committing. Rates and program parameters change; always confirm with Pag-IBIG or an accredited Pag-IBIG developer before applying. Last updated 2026-05-17.
Do you have verifiable proof of stable income? (ITR, payslips, employment contract, or OFW remittance records)
Is the property located in the Philippines?
Have you had any prior Pag-IBIG housing loan defaults?
You likely qualify for a Pag-IBIG housing loan.
Next step: prepare your income documents (ITR, payslips, or contract) and request a Housing Loan Application form from Pag-IBIG or an accredited developer.
What this calculator covers
- 1Monthly amortization
For any program, term, and loan amount up to PHP 6M.
- 24PH 3% eligibility
Automatic check based on income, OFW status, and property ceiling.
- 3Required income
Based on Pag-IBIG's 35% affordability rule.
- 4Repricing scenarios
See what happens after the fixed pricing period ends.
- 5Prepayment what-if
How extra monthly payments shorten the term.
Key 2026 rates
- 4PH: 3.00% fixed for 5 years (10 for early-bird).
- Promo: 4.50% fixed for 3 years.
- Standard: 5.875%-9.75% depending on loan size and fixed pricing period.
Ceiling: PHP 6,000,000. Max term: 30 years.
Good to know
- MRI premium (Mortgage Redemption Insurance) is not included in this calculator. Add roughly PHP 45 plus 0.225% of loan annually for a more realistic monthly figure.
- OFW members auto-qualify for 4PH regardless of income, subject to the property ceiling.
- Co-borrower income can be combined with the primary applicant's for affordability calculations.
- Age cap: Maximum 65 at application and 70 at loan maturity.
How much can you borrow from Pag-IBIG?
The maximum loanable amount is PHP 6,000,000 for regular members. Actual approved amount depends on three things: your gross monthly income (capped at 35% for monthly amortization), the appraised value of the property (subject to LTV: 95% up to PHP 2.5M, 90% above), and your capacity to amortize over the chosen term.
4PH members are capped lower: PHP 950,000 for house-and-lot and PHP 1.8M for condo units.
How much loan can you get on your salary?
At 6.5% over 30 years, the 35% affordability rule gives you roughly:
- PHP 25,000 monthly income: about PHP 1.4M maximum loan
- PHP 50,000 monthly income: about PHP 2.8M maximum loan
- PHP 75,000 monthly income: about PHP 4.1M maximum loan
- PHP 100,000 monthly income: about PHP 5.5M maximum loan
- PHP 110,000 monthly income or more: PHP 6M ceiling reached
How Pag-IBIG monthly amortization is computed
Standard mortgage amortization formula: M = P x [r(1+r)^n] / [(1+r)^n - 1], where P is the principal (loan amount), r is the monthly interest rate (annual rate divided by 12), and n is the total number of monthly payments (term in years multiplied by 12).
The 4PH Program: who qualifies for the 3% rate
The Pambansang Pabahay para sa Pilipino (4PH) program offers a subsidized 3% interest rate for socialized housing. To qualify, your monthly income must not exceed PHP 47,856 in NCR or PHP 34,686 outside NCR. All OFWs auto-qualify regardless of income. The property must be a 4PH-eligible unit (under PHP 950,000 for house-and-lot or PHP 1.8M for condominium). The 3% rate is fixed for the first 5 years (10 years for early-bird applicants within the first 30,000 slots).
Pag-IBIG interest rates 2026
Pag-IBIG retained the 3% subsidized rate for 4PH in 2026. The Non-Socialized Promo offers 4.5% fixed for 3 years (limited to 10,000 local slots and 1,000 OFW slots). Standard housing loan rates depend on loan amount and chosen fixed pricing period: from 5.875% for small short-fixed loans to 9.75% for 30-year fixed.
Who is eligible for a Pag-IBIG housing loan?
Active Pag-IBIG member with at least 24 monthly contributions, below 65 years old at application, age not exceeding 70 at loan maturity, with verifiable proof of stable income, no prior Pag-IBIG housing loan defaults, and acquiring property located within the Philippines. Use the eligibility checker above to verify your status.
Common reasons Pag-IBIG applications get denied
- Insufficient contribution months (under 24).
- Monthly amortization exceeds 35% of gross income.
- Age at maturity exceeds 70.
- Property not titled, or title encumbered.
- Unsettled prior Pag-IBIG loan.
- Income documentation incomplete or inconsistent with declared income.
How to pay off your Pag-IBIG loan faster
Pag-IBIG allows partial and full prepayment without penalty. Use the prepayment scenario in the calculator above to see how much time and interest you save by adding a fixed amount monthly. A common strategy is to use 13th-month pay and bonuses as lump-sum principal payments. Confirm posting rules with your branch since partial prepayments are typically applied to principal but timing can vary.
Risks to understand before taking a Pag-IBIG loan
- Repricing risk: Standard loans reprice after the fixed pricing period. A rate increase of 2% on a PHP 3M loan adds roughly PHP 4,000 to your monthly payment.
- Foreclosure: Three months of missed payments triggers foreclosure proceedings. Pag-IBIG sells foreclosed properties at auction.
- Insurance cost: MRI premium and fire insurance are mandatory and not optional.
- Title risk: Pag-IBIG won't release the title until the loan is fully paid; you don't fully own the property until the last amortization is settled.
Frequently Asked Questions
Common questions about Pag-IBIG housing loans
The maximum Pag-IBIG housing loan is PHP 6 million for regular members. The 4PH socialized housing program has lower ceilings: PHP 950,000 for house-and-lot units and PHP 1.8 million for condominiums.
Pag-IBIG kept the subsidized 4PH rate at 3% per annum for 2026. The non-socialized promo rate is 4.5% for the first three years. Standard housing loan rates range from 5.875% to 9.75% depending on loan amount and chosen fixed pricing period.
Members earning up to PHP 47,856 monthly in NCR or PHP 34,686 outside NCR qualify for 4PH, provided the property meets the 4PH price ceilings (PHP 950,000 house-and-lot or PHP 1.8M condo). All OFWs are auto-eligible regardless of income.
Pag-IBIG uses the standard mortgage amortization formula: M = P x [r(1+r)^n] / [(1+r)^n - 1], where P is the loan amount, r is the monthly interest rate (annual divided by 12), and n is the total number of monthly payments (term years multiplied by 12).
Pag-IBIG applies a 35% income affordability rule: your monthly amortization should not exceed 35% of your gross monthly income. For a PHP 3 million loan at 6.5% over 30 years (roughly PHP 19,000 per month), you would need about PHP 54,000 in gross monthly income.
Standard requirements: filled-out Housing Loan Application form, two valid IDs, latest Income Tax Return (or three months of payslips, or Certificate of Employment with Compensation), and Pag-IBIG Membership Status Verification Slip. Additional documents apply for OFWs, self-employed members, and the property itself (TCT/CCT, tax declaration, vicinity map).
Yes. Pag-IBIG allows full or partial prepayment without prepayment penalties. Partial prepayments are typically applied to principal, shortening the loan term. Confirm posting rules with your servicing branch.
After the fixed pricing period (1, 3, 5, 10, 15, 20, 25, or 30 years), Pag-IBIG reprices your monthly amortization based on the prevailing rate at that time. Longer fixed periods give more stability but start at higher rates.
Sources and verification
Rates and program parameters in this calculator are based on:
- https://www.pagibigfund.gov.ph/availmentofnewloan.html
- https://business.inquirer.net/582687/pag-ibig-keeps-3-housing-rate
Last verified: 2026-05-17. Pag-IBIG rates and ceilings can change. Always confirm with pagibigfund.gov.ph or an accredited Pag-IBIG developer before committing.
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