Want to compute your Pag-IBIG housing loan in Excel? Download our free template. Enter the loan amount, interest rate and term, and it shows your monthly amortization and a full payment schedule.
This is an independent guide. For official transactions, use the Pag-IBIG Fund website, Virtual Pag-IBIG or a Pag-IBIG branch.
Download the Pag-IBIG Housing Loan Calculator (Excel, .xlsx)
What the Template Includes
- A calculator sheet with your monthly amortization, total payments and total interest
- An amortization schedule for up to 360 months (30 years)
- The current Pag-IBIG interest rates for reference
2026 Pag-IBIG Housing Loan Rates
Pag-IBIG lists these rates until December 31, 2026:
| Loan | Promo rate |
|---|---|
| Up to ₱4.9 million | 4.5% for the first 3 years |
| Over ₱4.9 million up to ₱10 million | 5.75% for the first 3 years |
| Repricing period | Standard rate |
|---|---|
| 5 years | 6.500% |
| 10 years | 7.125% |
| 15 years | 7.750% |
| 20 years | 8.500% |
| 25 years | 9.125% |
| 30 years | 9.750% |
See Pag-IBIG housing loan interest rates for more on how repricing works.
How to Use It
- Download the file and open it in Excel or Google Sheets.
- Enter your loan amount in the yellow box.
- Enter the interest rate, for example 4.5% for the promo rate.
- Enter the loan term in years, up to 30.
- Read your monthly amortization and open the second sheet for the full schedule.
The Formula Behind It
The monthly amortization uses the standard Excel formula =PMT(rate/12, years*12, -loan). For example, a ₱1,500,000 loan at 4.5% for 30 years gives about ₱7,600 a month.
What It Does Not Include
- Fire insurance and Mortgage Redemption Insurance (MRI)
- Other fees
- Rate changes after your fixed-rate period ends
Pag-IBIG computes the official amortization when you apply. You can also compare with our monthly amortization table.
Frequently Asked Questions
Does it work in Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets.
What is the maximum Pag-IBIG housing loan?
Pag-IBIG offers housing loans of up to ₱10 million, depending on your capacity to pay and the property value.
Is the result my official amortization?
No. It is an estimate. Insurance and fees are added to the official computation.
