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Overview
Loans
Pag-IBIG Housing Loan
Retirement
SSS / GSIS Pension
Pag-IBIG Housing Loan. Compute Pag-IBIG Fund monthly housing loan amortization. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
← Philippines

Pag-IBIG Housing Loan

Compute Pag-IBIG Fund monthly housing loan amortization.

₱ 2,500,000

Pag-IBIG max loanable: ₱6,000,000.

6.25%
25 yrs

Monthly amortization

₱ 16,492

Loan ₱ 2,500,000 at 6.25% over 25 years

Total payable

₱ 4,947,520

Total interest

₱ 2,447,520

Required gross income (1/3 rule)

₱ 49,475

Interest / Loan

97.9%

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Next steps

Recommendations
Compare bank loans
Pag-IBIG vs commercial bank housing loans.
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Plan retirement
Stack with SSS pension estimate.
Down payment plan
Save 5–10% DP within 2 years.

How the math works

Pag-IBIG housing loans use standard monthly amortization with a fixed repricing-period rate.

  1. 01

    Monthly amortization

    Monthly = Loan × r / (1 − (1 + r)^-n)

    r = Rate/12, n = Years × 12

  2. 02

    Income requirement (rule of thumb)

    RequiredIncome ≈ Monthly × 3

    Pag-IBIG caps installment at ~35% of gross income.

Estimator only. Excludes MRI, fire insurance, processing fees, and the actual repricing schedule (typically 3-year repricing).