Jira & Confluence 
Bitrix24 Pag-IBIG housing loan · amortization · ₱
Pag-IBIG housing loan calculator 2026 — your monthly amortization, interest and the share of your pay
Short answer. Put in the selling price, your equity, the rate in your offer and the term: you see the loan amount, the monthly amortization, the total interest and how much of your salary it takes. Who can borrow: A Pag-IBIG member in good standing, on terms set by the Board of Trustees, taking into account ability to pay (RA 9679, s. 11).
- Ask for the repricing date of your rate — write it in the Word filetype the date
- Check your balance at the end of the first year (Excel «Years» sheet)type the date
Check your own case.
Pag-IBIG sets the rate, how long it stays fixed and when it is repriced; use the numbers in your own offer.
Start typing right in the document — no sign-up. It stays in this browser; save it to your free Layers account to keep it, open it on your phone and share it.
Pag-IBIG housing loan · monthly amortization · ₱
Your monthly amortization — and how much of your pay it takes
Put in the selling price, your down payment (equity), the interest rate in your offer, the term and your gross monthly income. You see the loan, the monthly amortization, the total interest and the share of your pay, plus an Excel amortization schedule for all the months. No sign-up.
- Ask Pag-IBIG or your developer for the exact rate, repricing period and loanable amount — then put them here.
- Check the share of your pay: the Excel file shows the payment for every month and the balance left each year.
- Prepare the documents early: the Word file has a checklist you can tick.
Arithmetic only: the standard amortization formula (equal monthly payments, interest on the declining balance). The rate is yours to enter: Pag-IBIG sets rates, promos, repricing and the loanable amount, and fire and life insurance premiums are usually added to the monthly payment. Not financial advice.
Liza, Layers template assistant
Tell me the price, your equity, the rate and the term, and I will show your monthly amortization and the balance year by year.
The Excel file has every month of the loan.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Who can borrow | A Pag-IBIG member in good standing, on terms set by the Board of Trustees, taking into account ability to pay | RA 9679, s. 11 |
| Monthly amortization | Equal monthly payments: each month interest is charged on the balance left, and the rest reduces the loan | Standard amortization formula |
| Your rate | Use the rate, fixing period and repricing in your Pag-IBIG offer — they change with Pag-IBIG's programs | Your loan offer |
| Insurance | Fire and property insurance and mortgage redemption insurance are usually added to the monthly payment — ask how much | Your loan offer |
Check at the start of the year: Pag-IBIG reviews its housing loan rates and promos. The calculator never assumes a rate — the default 6.25% is only an example to change.
Step by step
What to do, in order
1
Take your offer
Selling price, equity, the rate and the term you were offered.
2
See the amortization
Monthly payment, total interest and the share of your gross income.
3
Download the schedule
Every month and every year of the loan in Excel, plus a documents checklist in Word.
Questions
How is the Pag-IBIG monthly amortization computed?
With the standard amortization formula: equal monthly payments where each month's interest is charged on the balance left. The calculator and the Excel file use the same formula.
What interest rate should I use?
The one in your Pag-IBIG offer or the developer's computation. Rates depend on the program, the loan amount and how long the rate is fixed, and they change — so the rate is yours to enter.
How much of my salary can go to the amortization?
Pag-IBIG decides your loanable amount based on your capacity to pay. The calculator shows the share of your gross income and the income at which the payment would be 35% of pay, as a yardstick.
Is insurance included?
No: the amount is principal and interest only. Insurance is usually added to the monthly payment — ask Pag-IBIG or your developer for the exact amount.
What documents do I need?
The Word file has a checklist: application form, IDs, proof of income, title and tax declaration, the contract to sell and others. Pag-IBIG gives the exact list for your case.
Is it free? Do I need to sign up?
It is free and you do not need to sign up: fill in, see the result and download the Excel and Word files. With a free account you can save a copy to your Layers.
Official sources
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
A calculator, not financial advice. Pag-IBIG sets rates, repricing, loanable amounts and insurance; your approved loan is what counts.