GlenCalc

Pag-IBIG housing loan calculator

Pag-IBIG lends up to ₱10 million for up to 30 years. A longer repricing period fixes your rate for longer, at a higher rate. These rates apply until December 31, 2026. This estimate does not check how much you qualify for.

Your answer

Monthly amortization₱12,641.36
Interest rate6.5 %
Paid per year₱151,696.33
  • Your rate is repriced when the period ends, so later payments can change.
  • Fire and life insurance are extra, and your income and the property value can limit the loan. Pag-IBIG decides the final amount.

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How we worked it out

Updated as you change the numbers.

  1. Rate: 6.5% a year.
  2. Amortization over 360 months = ₱12,641.36.

Method and assumptions

Rates from Pag-IBIG Fund, until December 31, 2026: 6.5% for a 5-year repricing period, rising to 9.75% for 30 years, and promo rates of 4.5% for loans up to ₱4.9 million and 5.75% above that for the first 3 years. The term cannot run past age 70. The payment uses the standard fixed-rate formula for the period shown.

Questions

What is the monthly amortization on ₱2,000,000 for 30 years?

About ₱12,641.36 at the 6.5% rate for a 5-year repricing period.

Sources

Method and figures checked on November 4, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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