Pag-IBIG Housing Loan Calculator

The maximum loanable amount under a Pag-IBIG (HDMF) housing loan is ₱6,000,000. The actual amount you qualify for depends on your capacity to pay, your loan-to-value ratio, the appraised value of the property and your accumulated Pag-IBIG contributions. Use this calculator to estimate the monthly amortization at different loan amounts, then let Nook check whether a Pag-IBIG loan or a bank loan gives you the better deal.

Your monthly amortization is computed using standard loan amortization — the loan amount, the interest rate and the loan term in months. As the term gets longer the monthly payment falls but the total interest you pay rises. This calculator uses the same amortization formula banks use, so the figure is a close indicative estimate before your real rate is locked in.

Pag-IBIG housing loan rates depend on the repricing period you choose — shorter fixing periods generally carry lower rates and longer fixing periods carry higher rates. Because rates move, the figure here is indicative only. Nook compares Pag-IBIG against 20+ banks for free so you can see which lender actually gives you the lowest rate for your profile.

Yes. Overseas Filipino Workers who are active Pag-IBIG members and meet the contribution requirements can apply for a Pag-IBIG housing loan. Nook helps Filipinos here and abroad — a dedicated consultant runs the entire application for you, handles the paperwork and chases the lender, so you never have to visit a branch. It's completely free because the lender pays Nook.

Yes, Nook is 100% free for borrowers. Banks pay Nook a commission once your loan is released, so there is no cost to you. Nook is a full-service brokerage — we do the entire application for you, comparing 20+ banks alongside Pag-IBIG to find the lender most likely to approve you at the sharpest rate.

It depends on the loan amount, your income, the property and the rate on offer. Pag-IBIG can be attractive for active members and has a ₱6,000,000 maximum loanable amount, while banks may offer larger loans or sharper promo rates. Rather than guessing, let Nook compare Pag-IBIG against 20+ banks for free and match you to the option that fits you best.

Timelines vary with your documents and the property, but the biggest delays usually come from incomplete paperwork and slow follow-ups. Nook compresses that: you pre-qualify in about 3 minutes, then a dedicated consultant prepares your application, submits it and chases the lender on your behalf until you're approved — all handled for you, for free.