Housing loan calculator
Estimate the monthly amortization on a Philippine home loan. Pick a lender rate, set your down payment and term, and see how the numbers move — the same calculator shown on every IQI Philippines sale listing.
Lender rates are being updated — please check back shortly.
How the estimate works
The monthly payment uses standard declining-balance amortization: the loan principal (property price minus your down payment) is repaid in equal monthly installments over the term, with interest computed on the remaining balance each month. This is the same formula Pag-IBIG and Philippine banks publish for their housing loans.
What affects your monthly payment
Three levers: the down payment (a larger one shrinks the loan and the payment), the term (longer terms lower the monthly payment but increase total interest paid), and the annual rate (Pag-IBIG and each bank price differently, and rates are typically repriced after a fixing period).
Estimates only — not a loan offer or credit decision. Actual approval, rates, fees, and insurance depend on the lender's evaluation. Verify current rates directly with the lender before committing.