🇵🇭Philippines

Pag Ibig Housing Loan Calculator

Estimate monthly payment and total interest for a Philippine Pag-IBIG Fund housing loan using current rates and terms.

Finance planning estimate

Topic review: Michael Brennan

Small Business Finance Writer. Assigned as the finance topic reviewer for tax, debt, repayment, payroll, and business-finance calculators.

Reviewed 27 March 2026 Updated 27 March 2026 View reviewer profile Contact editorial team

Loan amount Interest rate (%) Loan term (years)

Display currency

Pag-IBIG loans are denominated in PHP.

Currency

Monthly payment

$12,641.36

Pag-IBIG housing loan over 30 years at 6.5%.

Total interest: $2,550,889.77
Total paid: $4,550,889.77

About this calculator

Finance planning estimate Reviewed 27 March 2026 Updated 27 March 2026

Topic review

Michael Brennan

Small Business Finance Writer. Assigned as the finance topic reviewer for tax, debt, repayment, payroll, and business-finance calculators.

Formula provenance

The methodology summary explains the formula family in use, and the source list points to the primary or authoritative references checked for this topic.

Methodology

Uses standard amortisation or payoff arithmetic with the rate, balance, payment, and term inputs entered in Pag Ibig Housing Loan to estimate repayment cost and timing under a simplified borrowing model.

Limitations

Does not capture every fee, penalty, promotional term, or lender-specific servicing rule.
Variable rates, refinancing, and missed-payment scenarios can materially change the outcome.
Approval terms and borrower protections vary by lender and jurisdiction.

Disclaimer

Use this as a planning estimate only. Before borrowing, refinancing, or changing repayment strategy, confirm the actual terms in the lender disclosure and review official consumer-credit guidance where relevant.

Primary finance sources

CFPB credit cards and debt — Official consumer guidance on APR, fees, and repayment behavior for unsecured borrowing.

Change notes

Finance change note: the formula, tax or rate assumptions, source set, disclaimer, and planning guidance for this calculator were last reviewed on 2026-03-27. Report a correction at calcipedia@proton.me; substantive rule or assumption changes refresh both the reviewed date and the updated date shown on the page.

See our calculation methodology and editorial standards, plus the editorial contact route, for how this estimate is produced and corrected.

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Pag Ibig Housing Loan Calculator

$12,641.36

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