Saturday, August 21, 2010

Pag-IBIG Financing Factor Rate Table

Being employed here in the Philippines automatically makes you a member of HDMF (Home Development Mutual Fund) or also known as Pag-IBIG housing loan. An employees contribution is automatically deducted monthly and this is one reason why most employees would want to avail of the housing loan thru Pag-IBIG Financing. As of today, the maximum loanable amount thru Pag-IBIG Financing is at P3Million. The interest rate will be based on the total amount of your loan and the bracket is given at a table below.

I am sharing here the factor rate table of Pag-IBIG Financing for you people who would want to have an idea on how much the monthly amortization would be given that you know your estimated loan amount.

Getting the monthly amortization thru Pag-IBIG Financing is as simple as this formula:

Pag-IBIG Monthly Amortization = Loanable Amount X Factor Rate

You should know by now your Loanable Amount

Factor Rate can be determined by looking at the table below, provided that you know how many years to would like to pay the loan, and the interest rate for that loan amount,


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  1. hows the pag-ibig overseas fund membership worked??

  2. i bought it cople years ago pay my two years membership.but i dont know how can i use.

  3. Thanks for the info. It helps me identify my monthly loan amount. Nice blog.

  4. Hi, you can use your pagibig membership when you get a housing loan from them.

    @Business Loan
    Hi, thanks for the review. Im glad this helped you with your monthly loan amount :)

  5. Hi, are there still unit available? And may I know the sched of tripping? I'm interested for Metroville Complex Binan.

    Thank you

  6. This is indeed very useful. Bookmarked it. :)

  7. Thank you for sharing. The information you posted is indeed helpful.



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