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Pag-IBIG Maximum Loanable Amount
GLRA Realty — Licensed Real Estate Broker, Metro Manila & Luzon, Philippines
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For Pag-IBIG Borrowers

How Much Will Pag-IBIG Actually Lend Me?

Four ceilings apply to every Pag-IBIG housing loan at the same time, and the lowest one wins. This works out all four and tells you which one is holding you back.

Your Numbers

Six figures, and you have your answer

Pag-IBIG lends against the lower of the selling price and its own appraisal. If you have both, put the lower one here.
Before tax and deductions. Buying with a spouse or co-borrower? Add both incomes together.
Car loan, salary loan, credit card minimum. These eat into the same allowance.
At application
Years
Per cent a year. Pag-IBIG quotes a different rate for each fixing period — the shorter you fix, the lower the rate. Ask for the current rate sheet before you rely on this.
The rules — change them if they move
Raised May 2026
Per cent of gross
Per cent
Per cent

What You Can Borrow

The lowest of the four ceilings

Maximum Loanable ₱0
 
 
 
The four ceilings
Programme ceiling ₱0
Lending value ₱0
Capacity to pay ₱0
Term allowed by your age 0 years
You can borrow ₱0
Monthly Amortisation ₱0
Cash You Need ₱0
Term used in this computation 0 years
Share of your gross income 0%
Total interest over the term ₱0
To Borrow The Full Lending Value ₱0
₱0
 
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Before You Apply

The things that stop an application that otherwise looks fine

RequirementWhat it means
24 monthly contributionsYou need at least two years' worth of Pag-IBIG savings posted to your record. You may pay the shortfall in a lump sum, but the membership itself still has to be that old.
Not more than 65 at applicationAnd the loan has to be fully paid by 70, which is what shortens the term for older borrowers — the figure above already accounts for it.
No Pag-IBIG loan in defaultAny existing short-term or housing loan has to be current.
Property must be titled and cleanA clean title, no adverse claims, real property tax paid up, and the seller able to deliver. Pag-IBIG appraises it themselves and lends against their figure if it is lower than the price.
Fire and mortgage redemption insuranceBoth are compulsory and both are added on top of the amortisation. Budget for them — they are not in the monthly figure above.

Why the cash figure matters more than the loan figure. Whatever Pag-IBIG will not lend, you bring in cash, and that gap is on top of the closing costs — documentary stamp tax, transfer tax, registration, and the broker's and notary's fees. Work those out on the closing fees calculator, and see what the unit really costs to hold once you own it on the cost of ownership calculator.

An estimate, not an approval. Pag-IBIG appraises the property itself and lends against its own figure when that is lower than the price, and it assesses capacity to pay on documents rather than on a number typed into a web page. Rates move with the fixing period you choose. Fire insurance and mortgage redemption insurance are compulsory and are charged on top of the amortisation shown here. Treat this as the shape of the answer and confirm the amount with a Pag-IBIG branch or with us.