Mortgage Calculator

Estimate monthly payments based on current BSP-guided lending rates. Rates shown are indicative — contact your bank for exact figures.

₱
5%50%
% p.a.

Monthly Payment

₱17,894

6.5% p.a. · 20-year term · ₱2,400,000 loan

Property Price

₱3,000,000

Down Payment

₱600,000

Loan Amount

₱2,400,000

Total Interest

₱1,894,501

Total Payment

₱4,294,501

Monthly payment by term

5 years₱46,959/mo₱2,817,525 total
10 years₱27,252/mo₱3,270,182 total
15 years₱20,907/mo₱3,763,184 total
20 years₱17,894/mo₱4,294,501 total
25 years₱16,205/mo₱4,861,492 total
30 years₱15,170/mo₱5,461,068 total

* Rates are indicative. Actual rates may vary based on your credit profile, loan-to-value ratio, and bank policies. Pag-IBIG rate shown is for ₱750K–₱6M loans.

About these rates

Rates are manually sourced from each bank's published home loan schedules and BSP circulars. Last updated: April 2026. Pag-IBIG rate applies to loans between ₱750K–₱6M under the Affordable Housing Loan program. Actual rates depend on your credit profile, loan-to-value ratio, and prevailing BSP policy rate.

For the latest rates, visit your bank's website or call their home loan hotline.