Pag-IBIG Loan Calculator Philippines 2026: MPL, Calamity, Housing
Pag-IBIG Fund offers three main loan products to its members: the Multi-Purpose Loan (MPL) for everyday financial needs, the Calamity Loan for members affected by a declared disaster, and the Housing Loan for purchasing or constructing a home. Each product has its own interest rate, maximum loanable amount, and eligibility requirements tied to your contribution history. The MPL lets qualifying members borrow up to 80% of their Total Accumulated Value at 10.5% per year, while the Calamity Loan charges a subsidized rate of 5.95% to help disaster-affected members get back on their feet. The Housing Loan is the flagship program, offering up to ₱6 million at rates starting around 6.5% annually for shorter repricing periods. Use this calculator to estimate your monthly amortization before you apply, so you can choose a loan term that fits your monthly budget.
Calculator
How It Works
- 1
Select the loan type. Each type has a different standard interest rate: MPL at 10.5%, Calamity Loan at 5.95%, and Housing Loan ranging from 6.5% to 10% depending on the repricing period.
- 2
Enter the loan amount you plan to borrow. MPL is limited to 80% of your Total Accumulated Value (TAV), with a common ceiling of ₱24,000 for members with 24 to 59 monthly contributions. Housing Loan goes up to ₱6 million.
- 3
Choose your loan term. MPL and Calamity Loan terms are typically 12 or 24 months. Housing Loan terms can stretch from 5 to 30 years.
- 4
Enter the annual interest rate. You can adjust this to match the specific rate quoted by Pag-IBIG for your loan offer.
- 5
The calculator uses the standard amortization formula to spread principal and interest evenly across all monthly payments.
- 6
Total interest is the difference between what you pay back in total and the original loan amount.
Frequently Asked Questions
You must have made at least 24 monthly contributions to Pag-IBIG Fund. Active members with 24 to 59 monthly contributions can borrow up to ₱24,000 or 80% of their TAV, whichever is lower. Members with 60 or more contributions may qualify for higher amounts. Your account must also be active at the time of application.