Pag-IBIG Loan Calculator

Pag-IBIG Fund (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) is the Philippines' national savings program and one of the largest providers of affordable loans in the country. Whether you need a salary loan for immediate financial needs, a multi-purpose loan for various expenses, or a calamity loan during emergencies, understanding your monthly amortization, interest rates, and loan eligibility is crucial. Our Pag-IBIG Loan Calculator helps you calculate monthly payments, determine loan amounts, and plan your borrowing with confidence for 2025 and beyond.

What is Pag-IBIG Loan?

Pag-IBIG offers several types of loans to its members, each designed for specific purposes. These loans provide affordable financing options with competitive interest rates, flexible repayment terms, and accessible eligibility requirements. As a member of Pag-IBIG, you can access various loan programs based on your contributions, employment status, and specific needs. Understanding the different loan types and their features helps you make informed borrowing decisions.

Pag-IBIG Salary Loan Calculator

The Pag-IBIG Salary Loan is a short-term loan available to members with at least 24 months of contributions. This loan is designed to provide quick financial assistance for immediate needs such as medical expenses, education, home repairs, or other personal expenses. Our Pag-IBIG Salary Loan Calculator helps you:

• Calculate Monthly Amortization: Determine your fixed monthly payment amount
• Understand Interest Rates: See the current interest rate (typically 10% per annum)
• Plan Repayment: View detailed payment schedules for different loan terms
• Determine Eligibility: Calculate maximum loan amount based on your contributions

Salary loans typically have terms ranging from 12 to 36 months, with loan amounts based on your total accumulated value (TAV) or monthly contributions. The interest rate is fixed at 10% per annum, making it an affordable borrowing option for Pag-IBIG members.

Pag-IBIG Loan Calculator MPL (Multi-Purpose Loan)

The Multi-Purpose Loan (MPL) is a flexible financing option that allows Pag-IBIG members in the Philippines to use funds for various purposes such as home improvement, education expenses, business capital, medical bills, or other personal needs. Our Pag-IBIG Loan Calculator MPL provides comprehensive tools for planning your multi-purpose loan:

• MPL Based on Salary: Calculate loan amounts based on your monthly salary and Pag-IBIG contributions
• Flexible Loan Amounts: Determine loan capacity based on your contribution capacity and salary
• Competitive Rates: Access affordable interest rates (typically 10% per annum)
• Multiple Terms: Choose repayment periods that suit your financial situation
• Quick Processing: Faster approval compared to housing loans
• Excel Export: Export your MPL payment schedule to Excel for detailed financial planning

Multi-purpose loans offer greater flexibility than salary loans, with potentially higher loan amounts and longer repayment terms. The Pag-IBIG Loan Calculator MPL Philippines helps you understand your borrowing capacity based on your salary and contributions. The interest rate is competitive at 10% per annum, and eligibility is based on your Pag-IBIG contributions, membership status, and monthly salary. You can export your MPL calculation results to Excel format for further analysis and record-keeping.

Pag-IBIG Loan Calculator Housing

Pag-IBIG Housing Loans are designed specifically for members who want to purchase, construct, or renovate their homes. While our calculator focuses on salary loans, multi-purpose loans, and calamity loans, Pag-IBIG also offers comprehensive housing loan programs with competitive rates. Housing loans typically have longer terms (up to 30 years) and lower interest rates compared to other loan types. The loan amount for housing loans is based on your total accumulated value (TAV), monthly contributions, and property value. Our calculator helps you understand the relationship between your contributions and potential loan eligibility, which is essential when planning for a Pag-IBIG housing loan application.

Pag-IBIG Loan Calculator Based on Salary

Understanding how your salary affects your Pag-IBIG loan eligibility is crucial for effective financial planning. Our Pag-IBIG Loan Calculator Based on Salary helps you determine your borrowing capacity by considering your monthly salary and Pag-IBIG contributions. The calculator shows you:

• Maximum Loan Amount: Calculate how much you can borrow based on your salary and contributions
• Monthly Amortization: Determine affordable monthly payments based on your income
• Loan Eligibility: Understand the relationship between salary, contributions, and loan capacity
• MPL Based on Salary: Calculate multi-purpose loan amounts specifically based on your monthly salary

Your monthly Pag-IBIG contribution is typically a percentage of your salary, and this contribution directly affects your loan eligibility. Higher contributions mean higher loan capacity, making it important to maintain regular contributions to maximize your borrowing potential. The calculator helps you plan your loan application by showing how different salary levels and contribution amounts affect your eligibility.

Pag-IBIG Loan Calculator Calamity

The Calamity Loan is a special emergency loan program designed to help Pag-IBIG members affected by natural disasters, calamities, or emergencies. This loan provides immediate financial assistance with lower interest rates and more lenient terms. Our Pag-IBIG Loan Calculator Calamity feature helps you:

• Lower Interest Rates: Access reduced rates (typically 6% per annum) for calamity loans
• Higher Loan Amounts: Calculate maximum loan amounts based on your contributions
• Flexible Terms: Choose repayment periods that accommodate your recovery timeline
• Emergency Access: Quick processing for urgent financial needs

Calamity loans are available to members in areas declared under a state of calamity. The interest rate is significantly lower at 6% per annum, making it one of the most affordable loan options during difficult times. Loan amounts are typically higher than regular salary loans, providing more substantial financial support.

Pag-IBIG Loan Interest Rate 2025

Understanding Pag-IBIG loan interest rates is essential for planning your borrowing. As of 2025, Pag-IBIG maintains competitive interest rates across all loan programs:

• Salary Loan: 10% per annum for all borrowers
• Multi-Purpose Loan: 10% per annum for all borrowers
• Calamity Loan: 6% per annum for all borrowers

These rates are fixed for the duration of your loan, providing predictability in your monthly payments. First-time borrowers may have access to the same competitive rates, making Pag-IBIG loans accessible to new members. The interest rates are calculated on a monthly basis, with your monthly amortization including both principal and interest components.

How to Compute Pag-IBIG Loan Interest

Computing Pag-IBIG loan interest is straightforward using the standard amortization formula. Our calculator uses the following method:

The interest is calculated on the remaining balance each month, meaning you pay more interest in the early months and more principal in the later months. This is why making early payments or choosing shorter terms can significantly reduce your total interest cost.

How Much Can I Loan in Pag-IBIG for the First Time?

First-time borrowers often wonder about their loan eligibility. The amount you can borrow from Pag-IBIG depends on several factors:

• Monthly Contributions: Your regular Pag-IBIG contributions determine your loan capacity
• Total Accumulated Value (TAV): The total amount in your Pag-IBIG account
• Loan Type: Different loan types have different maximum amounts
• Membership Duration: Longer membership may increase eligibility

For first-time borrowers, Pag-IBIG typically allows loans up to 40 times your monthly contribution for salary and multi-purpose loans, and up to 80 times for calamity loans. Our calculator automatically determines your maximum loan amount based on your monthly contribution and loan type, helping you understand your borrowing capacity before applying.

Pag-IBIG Loan Calculator Monthly Amortization

Monthly amortization is the fixed amount you pay each month to repay your Pag-IBIG loan. Each payment consists of:

• Principal Payment: The portion that reduces your loan balance
• Interest Payment: The cost of borrowing, calculated on the remaining balance

Our Pag-IBIG Loan Calculator Monthly Amortization feature provides a detailed breakdown of each payment, showing exactly how much goes toward principal and interest. This helps you understand the true cost of your loan and plan your finances accordingly. The calculator also shows your remaining balance after each payment, giving you a clear picture of your loan progress.

Understanding Pag-IBIG Loan Interest Rate

Pag-IBIG loan interest rates are among the most competitive in the Philippines. The rates vary by loan type:

These rates are fixed for the entire loan term, providing stability and predictability. The interest is calculated monthly on the outstanding balance, ensuring fair and transparent pricing. First-time borrowers receive the same competitive rates, making Pag-IBIG loans accessible to all members.

Key Benefits of Using the Pag-IBIG Loan Calculator

• Comprehensive Planning: Calculate monthly amortization, total interest, and repayment schedules for all loan types
• Interest Rate Comparison: Compare rates across different loan types to find the best option
• Eligibility Assessment: Determine maximum loan amounts based on your contributions
• First-Time Borrower Support: Calculate loan amounts specifically for first-time borrowers
• Detailed Schedules: View complete payment schedules with principal and interest breakdowns
• Multiple Loan Types: Support for Salary Loan, Multi-Purpose Loan, and Calamity Loan
• 2025 Updates: Current rates and policies for 2025

Factors That Affect Your Pag-IBIG Loan

• Monthly Contributions: Higher contributions increase your loan eligibility
• Loan Type: Different loan types have different rates and terms
• Loan Term: Longer terms mean lower monthly payments but higher total interest
• Membership Status: Active membership with regular contributions improves eligibility
• First-Time Borrower Status: May qualify for similar rates with potentially higher limits
• Loan Amount: Higher amounts may require additional documentation or approval

Understanding the Payment Schedule

The payment schedule (amortization schedule) shows you exactly how each monthly payment is allocated between principal and interest. Key features include:

• Month-by-Month Breakdown: See every payment from the first to the last
• Principal and Interest Allocation: Understand how your payments change over time
• Remaining Balance: Track your outstanding loan amount after each payment
• Payment Dates: Plan your payments with specific dates
• Excel Export: Export the complete payment schedule to Excel for detailed analysis and record-keeping

The schedule is scrollable and shows all months, allowing you to see the complete repayment journey. This helps you plan your finances and understand the long-term commitment of your Pag-IBIG loan. You can export the payment schedule to Excel format, making it easy to integrate with your personal financial planning spreadsheets, perform custom analysis, create charts, and share with financial advisors or family members.

Pag-IBIG Loan Calculator Excel

Our Pag-IBIG Loan Calculator includes Excel export functionality, allowing you to download your complete payment schedule and loan calculations in CSV format (compatible with Excel). This feature is particularly useful for:

• Financial Planning: Import your loan schedule into Excel for custom analysis and budgeting
• Record Keeping: Maintain detailed records of your loan payments and calculations
• Comparison: Compare different loan scenarios side-by-side in spreadsheet format
• Sharing: Share your loan calculations with financial advisors or family members
• Chart Creation: Create visual charts and graphs from your payment schedule data

The Excel export includes all payment details, loan information, and calculation parameters, making it a comprehensive tool for detailed financial modeling. Whether you're calculating a salary loan, MPL, or calamity loan, you can export your results to Excel for further analysis and planning.

Tips for Pag-IBIG Loan Borrowers

1. Maintain regular Pag-IBIG contributions to increase your loan eligibility
2. Compare different loan types to find the best option for your needs
3. Choose loan terms that balance monthly affordability with total interest cost
4. Consider calamity loans during emergencies for lower interest rates
5. Use the calculator to plan your borrowing before applying
6. Understand that first-time borrowers have access to competitive rates
7. Keep track of your payment schedule to avoid late payments
8. Consider making early payments to reduce total interest
9. Review your loan terms carefully before signing
10. Maintain active membership to access future loan opportunities

Pag-IBIG Loan Calculator 2025

Our Pag-IBIG Loan Calculator for 2025 is updated with the latest interest rates, loan policies, and calculation methods. The calculator includes all recent updates from Pag-IBIG Fund, including:

• Updated interest rates for all loan types
• Current eligibility criteria and loan limits
• Latest policies for first-time borrowers
• Updated calamity loan provisions
• Current contribution requirements
• Latest processing procedures

Regular updates ensure that your calculations are accurate and reflect the current lending environment, helping you make informed decisions about your Pag-IBIG loan.

Conclusion

The Pag-IBIG Loan Calculator is an essential tool for anyone considering borrowing from Pag-IBIG Fund. By providing comprehensive insights into monthly amortization, interest rates, eligibility, and repayment schedules for Salary Loans, Multi-Purpose Loans, and Calamity Loans, it empowers you to make informed financial decisions.

Whether you need immediate financial assistance, funds for home improvement, or emergency support during calamities, take the time to use this calculator. Compare different loan types, understand your options, and enter the borrowing process with confidence. Smart borrowing today leads to better financial management tomorrow.

Remember, while this calculator provides accurate estimates, actual loan terms may vary based on your membership status, contributions, and Pag-IBIG's current policies. Always consult with Pag-IBIG representatives for the most current rates and terms before making final decisions.