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Philippine Loan Calculator

Calculate monthly payments for housing loans (Pag-IBIG, bank mortgages), auto loans, and personal loans. Get detailed amortization schedules and total cost breakdowns.

Pag-IBIG Housing LoansBank MortgagesAuto LoansPersonal Loans

Loan Calculator

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Typical: 10-20% of loan amount

Pag-IBIG: 8.5%
Bank Range: 6.5% - 12%

💡 Quick Tips

  • • Higher down payment = Lower monthly payments
  • • Shorter loan term = Higher payments but less interest
  • • Compare rates from multiple lenders
  • • Consider total cost, not just monthly payment
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Ready to Calculate

Enter your loan details on the left to see payment calculations and amortization schedule.

Philippine Loan Types Guide

🏠Housing Loans

Pag-IBIG Rate:8.5% (fixed 5 years)
Bank Mortgage:6.5% - 12%
Max Term:30 years
Down Payment:10% - 20%

🚗Auto Loans

Interest Rate:8% - 18%
Max Term:7 years
Down Payment:20% - 30%
Processing:1-2 weeks

💳Personal Loans

Interest Rate:12% - 36%
Max Term:5 years
No Collateral:✓ Required
Quick Process:1-3 days

Smart Loan Planning Tips

Before Applying

  • Check your credit score and clean up any issues
  • Save for a larger down payment to reduce monthly payments
  • Compare rates from multiple lenders
  • Calculate total debt-to-income ratio (should be <30%)

During the Loan

  • Set up auto-pay to never miss payments
  • Make extra principal payments when possible
  • Consider refinancing if rates drop significantly
  • Keep an emergency fund for 3-6 months of payments