Pag-IBIG or bank financing?
Enter a property price to compare monthly amortization. To get an exact quote, open a listing and request a sample computation from its agent.
Monthly amortization
Estimated monthly amortization
₱29,237
≈ US$461- Loan amount
- ₱4,000,000
- Interest rate
- 6.25% a year
- Income to aim for
- ₱83,535/mo
Estimate only. Uses the rate for the chosen fixing period across the whole term; payments change when the rate reprices. Pag-IBIG lends up to ₱6 million per member. Qualified first-time buyers of socialized housing may get a subsidised 3% rate under the 4PH program for loans up to ₱750,000. Rates as of 2026-09-21, from PhilNews, Pag-IBIG housing loan interest rate 2026. “Income to aim for” is a rule of thumb that keeps amortization near 35% of gross monthly income.