Pag-IBIG Housing Loan Calculator — Philippines
Estimate your Pag-IBIG (HDMF) housing-loan amortization with subsidized member rates. Free, no signup.
Pag-IBIG housing loan rates (2026)
| Loan amount tier | Subsidized rate | Max term |
|---|---|---|
| Up to ₱750,000 (socialized) | ≈ 3–6.25% | up to 30 years |
| ₱750k – ₱6M | ≈ 6.25–10% | up to 30 years |
| Bank loan (non-member) | ≈ 7–9% | up to 25 years |
Pag-IBIG (HDMF) rates are subsidized for active members and rise with the loan amount and chosen fixing period. Maximum loan is around ₱6 million.
Who qualifies & how it works
- Active Pag-IBIG members with at least 24 monthly contributions.
- Finances up to 100% of appraised value within loan ceilings — often little or no down payment.
- Lower rates than most bank loans, with terms up to 30 years.
Estimate your monthly amortization in the Philippines home loan calculator using your Pag-IBIG rate.
Frequently Asked Questions
What is the Pag-IBIG housing loan interest rate?
As a 2026 reference, Pag-IBIG subsidized rates range from about 3% (socialized, lowest tier) up to ~10% for larger loans, fixed for a chosen period. Rates rise with the loan amount and fixing term.
How much can I borrow from Pag-IBIG?
Up to around ₱6 million for qualified members, financing up to 100% of the appraised value within ceilings, for terms up to 30 years.
Who is eligible for a Pag-IBIG loan?
Active members with at least 24 monthly contributions, within the age and income rules. Both salaried and self-employed members can apply.
Is Pag-IBIG cheaper than a bank loan?
Usually yes — subsidized member rates and high LTV make Pag-IBIG cheaper than most bank home loans, especially for first-time and lower-income buyers.
Pag-IBIG Housing Loan Rates: Tiered by Fixing Period, With a New Promo
The Pag-IBIG Fund prices its Regular Housing Loan on a tiered schedule from about 5.75% for a 1-year fix up to roughly 9.75% for a 30-year fix. Pag-IBIG announced a new promotional tier, reported 18 June 2026: properties above the socialized-housing ceiling up to about PHP 4.9 million qualify for 4.5% p.a., fixed for 3 years, for applications filed through 31 December 2026.
Worked Example: PHP 2,500,000 Promo Loan (4.5%, 30-Year Term)
r = 0.045/12 = 0.00375, n = 360, (1+r)360 ≈ 3.8465.
M ≈ PHP 12,667 per month, matching Pag-IBIG's own stated figure.
Frequently Asked Questions
How does Pag-IBIG's tiered interest rate work?
Pag-IBIG's Regular Housing Loan lets you fix your interest rate for a chosen period — 1 to 30 years — with shorter fixes priced lower. At the end of the fixing period, the loan reprices to the rate then in effect.
What is Pag-IBIG's current promotional rate?
As reported 18 June 2026, properties above the socialized-housing ceiling up to about PHP 4.9 million can get 4.5% p.a. fixed for 3 years, for applications filed through 31 December 2026.
What happens to my Pag-IBIG loan rate after the fixed period ends?
When your chosen fixing period expires, Pag-IBIG reprices your loan to the interest rate applicable at that time for whatever new fixing period you select.