Mortgage Calculator Philippines
Calculate your monthly home loan payments
Loan Details
₱5,000,000
P500KP50M
20% (₱1,000,000)
5%50%
7.5%
3%15%
20 years
5 years30 years
Monthly Payment
₱32,224
Loan Amount₱4,000,000
Total Interest₱3,733,695
Total Amount₱7,733,695
Current Philippine Bank Rates
BDO
7.5%
Up to 25yr
BPI
7.25%
Up to 25yr
Metrobank
7.75%
Up to 20yr
Security Bank
8%
Up to 20yr
Unionbank
7.5%
Up to 25yr
RCBC
7.875%
Up to 20yr
PNB
8.25%
Up to 15yr
Pag-IBIG
5.75%
Up to 30yr
Max loan: P6M
Rates are indicative and may vary. Click a bank to apply their rate.
Frequently Asked Questions
What is the minimum down payment in the Philippines?
Most banks require a minimum 10-20% down payment. Pag-IBIG housing loans may accept as low as 5% for certain housing programs.
What is the maximum loan term?
Most Philippine banks offer up to 20-25 years. Pag-IBIG offers up to 30 years for qualified members.
What affects my interest rate?
Your credit score, employment status, loan amount, down payment, and loan-to-value ratio all affect your offered interest rate.
Should I choose fixed or variable rate?
Fixed rates offer payment stability. Variable rates may start lower but can increase. Most Philippine loans fix rates for 1-5 years then reprice.