Pag-IBIG Housing Loan Calculator 2025-2026
Calculate your Pag-IBIG housing loan amount, monthly amortization, and required income. Free 2025 calculator with current interest rates.
Last updated:
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Your salary before taxes and deductions
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Maximum: ₱6,000,000
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Estimated market value or selling price
How Pag-IBIG Housing Loans Work
The Home Development Mutual Fund (Pag-IBIG Fund) offers one of the most affordable and flexible housing loan programs available to Filipino workers. With competitive interest rates and terms up to 30 years, Pag-IBIG helps make homeownership accessible.
2025 Interest Rates by Repricing Period
| Repricing Period | Interest Rate | Monthly Rate |
|---|---|---|
| 1 year | 5.75% | 0.479% |
| 3 years | 6.25% | 0.521% |
| 5 years | 6.5% | 0.542% |
| 10 years | 7.125% | 0.594% |
| 15 years | 7.75% | 0.646% |
| 20 years | 8.5% | 0.708% |
| 25 years | 9.125% | 0.760% |
| 30 years | 9.75% | 0.812% |
Key Features
- Maximum Loan: Up to ₱6,000,000 per borrower
- Loan Terms: 1 to 30 years
- No Prepayment Penalties: Pay early without extra fees
- LTV Ratio: Up to 95% for economic housing, 90% for higher values
Eligibility Requirements
- Pag-IBIG member for at least 24 months
- Age: Not more than 65 at application, 70 at loan maturity
- Contributions: At least 24 monthly contributions
- Credit standing: No delinquent Pag-IBIG accounts
- Capacity: Monthly payment ≤ 35% of gross income
Affordable Housing Program (AHP)
For low-income earners with special subsidized rates:
- NCR: Monthly income up to ₱15,000
- Outside NCR: Monthly income up to ₱12,000
- Special rate: 3% per annum for loans up to ₱580,000
Monthly Payment Formula
PMT = P × [r(1+r)ⁿ] / [(1+r)ⁿ - 1]
Where: P = Principal, r = Monthly rate, n = Total payments
Required Documents
Personal Documents
- Pag-IBIG Housing Loan Application Form
- Valid government-issued IDs
- Marriage certificate (if married)
Income Documents
- Certificate of Employment with income
- Latest Income Tax Return (ITR)
- 3 months payslips (employed)
- Business documents (self-employed)
Official Resources
- Virtual Pag-IBIG: pagibigfundservices.com
- Official Website: pagibigfund.gov.ph
- Hotline: 1-724-7244 (1-PAGIBIG)
Frequently Asked Questions
What is the maximum Pag-IBIG housing loan amount for 2025?
The maximum Pag-IBIG housing loan amount is ₱6,000,000 per borrower. The actual amount you can borrow depends on your income capacity and property value. Your monthly amortization cannot exceed 35% of your gross monthly income.
What are the Pag-IBIG housing loan interest rates for 2025?
Pag-IBIG housing loan interest rates for 2025 range from 5.75% to 9.75% depending on your chosen repricing period. Shorter repricing periods (1-3 years) have lower rates but may change more frequently. Longer periods (20-30 years) have higher but more stable rates.
How much income do I need for a Pag-IBIG housing loan?
Your required income depends on your desired loan amount and term. Pag-IBIG allows a maximum 35% debt-to-income ratio. Use our calculator in 'Required Income' mode to determine the exact income needed for your target loan amount.
What are the eligibility requirements for Pag-IBIG housing loan?
To qualify, you must be a Pag-IBIG member for at least 24 months, have at least 24 monthly contributions, be not more than 65 years old at application (70 at loan maturity), and have good credit standing with no delinquent Pag-IBIG accounts.
Can I pay my Pag-IBIG housing loan early without penalties?
Yes, Pag-IBIG allows early payment and full pre-termination without penalties. This can significantly reduce your total interest payments. You can make extra payments anytime through various payment channels.