NHMFC Housing Loan Calculator
Calculate your monthly amortization for government-backed housing loans in the Philippines.
NHMFC Home Loan Calculator
Compute your monthly payment, total interest, and amortization schedule
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National Home Mortgage Finance Corporation
About NHMFC Housing Loans
What is NHMFC?
The National Home Mortgage Finance Corporation (NHMFC) is a Philippine government-owned corporation that provides affordable housing finance to Filipino workers. It operates under the Department of Human Settlements and Urban Development (DHSUD).
NHMFC Loan Programs
- Socialized Housing: Up to ₱450,000 at 6% interest
- Low-Cost Housing: ₱450,001 - ₱1,250,000 at 8%
- Economic Housing: Above ₱1,250,000 at 10%
- Maximum loan term: 30 years
- Monthly amortization max 35% of income
Eligibility Requirements
- Filipino citizen, at least 18 years old
- Must not be over 65 at loan maturity
- Gainfully employed or with stable income
- Member of Pag-IBIG, SSS, or GSIS
- No existing government housing loan
- Must not own more than one property
Required Documents
- Duly accomplished application form
- Valid IDs (2 government-issued)
- Proof of income (COE, ITR, payslips)
- Marriage contract (if married)
- Transfer Certificate of Title (TCT)
- Tax Declaration of property