Housing Loan Calculator

Estimate your monthly amortization and the income banks require — for any property in Pagadian City and Misamis Occidental. Based on the sample schedule: 6.25% annual interest, required income at 35% debt-to-income.

10 yrs 15 yrs 20 yrs 25 yrs 30 yrs
Sample schedule uses 6.25% — matches the figures in the reference table below.
PH banks require amortization ≤ 35% of gross monthly income (≈ 2.86× the monthly amortization).
Estimated Monthly Amortization
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Required Monthly Income
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Total Interest (life of loan)
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Reference Amortization Table

Monthly amortization by loan amount and term at the rate above. At 6.25% these match the sample bank schedule exactly. Scroll horizontally on mobile.

Loan Amount10 yrs15 yrs20 yrs25 yrs30 yrs
Estimates only. Actual rates, required income, fees, and approval depend on the lender (bank or Pag-IBIG), your credit profile, and loan type. This tool helps you plan — it is not a loan offer. Message Diana for a free, personalized financing check.