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GLRA Realty

Pag-IBIG vs Bank Loan — Comparison

GLRA Realty — Licensed Real Estate Broker, Metro Manila & Luzon, Philippines
glrarealty.com · 0917 177 4572 · glrarealty@gmail.com
For Buyers

Pag-IBIG vs Bank Loan

The two main ways Filipinos finance a home. Compare the monthly payment, total interest, and total cost side by side — then pick what fits.

Compare Two Home Loans

Adjust the loan amount, then the rate and term for each. Results update instantly.

Price minus your down payment.
Optional — checks affordability.
Loan must usually end by age 70.

Pag-IBIG Govt Fund

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Income needed₱0

Bank Private

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Bottom Line
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Can I Afford It? Full Amortization Ask Catherine
About the defaults: Pag-IBIG rates depend on your chosen fixing period and loan amount (the pre-filled 6.25% reflects a common short-fixing rate; the maximum loanable amount is ₱6,000,000). Bank rates change often and are usually fixed for 1–5 years before repricing. "Income needed" assumes the payment should stay near 30–35% of gross monthly income. Always confirm the exact terms with Pag-IBIG or your bank. Need help choosing? Catherine can guide you →
GLRA Realty · Catherine SB Sampayo · Licensed Real Estate Broker · Metro Manila & Luzon · Generated from glrarealty.com · Estimates only — verify with lender.