Pag-IBIG Housing Loan Calculator
Calculate your Pag-IBIG housing loan payments, total interest, and affordability. This calculator helps Filipino homebuyers understand their monthly payments for Pag-IBIG housing loans.
Loan Payment Summary
Affordability Analysis
Loan Details
About Pag-IBIG Housing Loans
Pag-IBIG Fund offers housing loans to help Filipino members achieve their dream of owning a home. These loans are designed to be affordable with competitive interest rates and flexible terms.
Pag-IBIG Housing Loan Types
- End-User Financing: For purchase of residential lots, house construction, or purchase of new/units
- Take-Out Equity: For members with existing housing loans from other lenders
- Multicurrency Loan Take-Out: For foreign currency housing loans
- Short-Term Loan: For minor home improvements and repairs
- Calamity Loan: For home repairs due to natural calamities
Loan Limits and Terms
| Loan Type | Maximum Loan Amount | Maximum Term |
|---|---|---|
| Economic Housing | ?1,500,000 | 30 years |
| Socialized Housing | ?2,500,000 | 30 years |
| Low-Cost Housing | ?3,000,000 | 25 years |
| Medium-Cost Housing | ?6,000,000 | 20 years |
Eligibility Requirements
- Filipino citizen or permanent resident
- Active Pag-IBIG member for at least 24 months
- Minimum monthly savings of ?500 for 24 months
- Steady source of income
- Clean credit history
- Age 21-65 years old at loan maturity
Interest Rates
Pag-IBIG housing loan interest rates are among the lowest in the Philippines, typically ranging from 5.5% to 7.5% per annum depending on the loan amount and term. Rates are fixed for the entire loan duration.
Required Documents
- Updated Pag-IBIG Membership Information
- Proof of income (pay slips, ITR, business documents)
- Valid government-issued ID
- Marriage certificate (if married)
- Birth certificate of dependents
- Property documents (Deed of Sale, Transfer Certificate of Title)
Tip: Pag-IBIG loans offer competitive rates and flexible terms. Make sure to maintain your monthly savings contributions to stay eligible for future loans and benefits. Consult with a Pag-IBIG representative for the most current rates and requirements.