Pag-IBIG Housing Loan Calculator
FinanceCalculate your monthly amortization on a Pag-IBIG Fund housing loan (Philippines), including mortgage redemption insurance.
Monthly Amortization (Principal & Interest)
Your monthly principal and interest payment at Pag-IBIG's current fixed rate for your chosen term.
Monthly Mortgage Redemption Insurance (Additional)
$450.00
A separate required insurance premium, billed in addition to your principal-and-interest amortization.
Total Monthly Payment (With Insurance)
$17,633.09
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Frequently Asked Questions
How is Pag-IBIG housing loan amortization calculated?
Monthly Amortization (Principal & Interest) uses the standard amortization formula at Pag-IBIG's published fixed rate for your chosen repayment period. Monthly Mortgage Redemption Insurance is billed separately, at Loan Amount x 0.000225.
Why does the interest rate depend on the repayment period?
Pag-IBIG Fund offers fixed-rate pricing tiers that lock in a rate for a set period (1 to 30 years) -- shorter fixed-rate periods carry lower rates, while longer ones carry higher rates to compensate the fund for the extended rate-lock.
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