Pag-IBIG Fund Loan Calculator
Calculate your HDMF housing loan amortization, check affordability, and compare loan terms.
Pag-IBIG Housing Loan Calculator
Compute your monthly amortization based on official HDMF interest rates
Home Development Mutual Fund (HDMF)
About Pag-IBIG Housing Loan
Eligibility Requirements
- At least 24 monthly Pag-IBIG contributions
- Not more than 65 years old at loan application
- Must complete payment before age 70
- Has legal capacity to acquire property
- No outstanding Pag-IBIG housing loan
35% Income Rule
Your monthly amortization must not exceed 35% of your gross monthly income. This ensures the loan remains affordable and sustainable throughout the payment period.
Example: With ₱50,000 income, max amortization is ₱17,500/month.
Required Documents
- Pag-IBIG Housing Loan Application Form
- Proof of income (COE, ITR, payslips)
- Valid government IDs
- Property documents (TCT, Tax Declaration)
- Lot plan and vicinity map
Loan Purpose
- Purchase of residential lot
- Purchase of house and lot
- House construction
- Home improvement/renovation
- Refinancing of existing housing loan