*Amount of Pag-ibig Housing Loan Based on Monthly Contribution*

**How much can I borrow from Pag-ibig for the purchase of a house and lot?**

There are 3 factors considered by Pag-ibig to determine the amount you can borrow:

**1.**Monthly Pag-ibig contribution

**2.**Value of House and Lot, Condo, Lot only, or House to be Constructed (This will be your loan collateral)

**3.**Ratio of Monthly Amortization to your Monthly Income

Notes on these 3 factors:

**1. Monthly Contribution**: See table below

**2. Value of Property**:

If the appraised value of the property is 1.25 M pesos or less, you can borrow 90% of the appraised value.

If the appraised value is more than 1.25 M pesos up to 6 M pesos, you can borrow 80% of the appraised value.

Pag-ibig Fund appraisers will appraise the property.

**3. Monthly Loan Payment**:

For loans up to 1.25 M pesos, your monthly amortization should not be more than 35% of your gross monthly income.

For loans more than 1.25 M pesos, your monthly amortization should not be more than 30% of your gross monthly income.

Example: If your gross monthly salary is 30k, your monthly amortization for your housing loan should not be more than 10,500 pesos (35% x 30k). This means you cannot choose a house and lot or a property which requires you to pay more than 10,500 pesos a month.

**PAG-IBIG HOUSING LOAN AMOUNTS**

Monthly | Housing Loan Amount |

Contribution | |

(Pesos) | (Pesos) |

200 | up to 500,000 |

250 | over 500,000 to 600,000 |

300 | over 600,000 to 700,000 |

350 | over 700,000 to 800,000 |

400 | over 800,000 to 900,000 |

450 | over 900,000 to 1 Million |

500 | over 1 M to 1.1 M |

550 | over 1.1 M to 1.2 M |

600 | over 1.2 M to 1.3 M |

650 | over 1.3 M to 1.4 M |

700 | over 1.4 M to 1.5 M |

750 | over 1.5 M to 1.6 M |

800 | over 1.6 M to 1.7 M |

850 | over 1.7 M to 1.8 M |

900 | over 1.8 M to 1.9 M |

950 | over 1.9 M to 2 M |

1,000 | over 2 M to 2.1 M |

1,050 | over 2.1 M to 2.2 M |

1,100 | over 2.2 M to 2.3 M |

1,150 | over 2.3 M to 2.4 M |

1,200 | over 2.4 M to 2.5 M |

1,250 | over 2.5 M to 2.6 M |

1,300 | over 2.6 M to 2.7 M |

1,350 | over 2.7 M to 2.8 M |

1,400 | over 2.8 M to 2.9 M |

1,450 | over 2.9 M to 3 M |

1,500 | over 3 M to 3.1 M |

1,550 | over 3.1 M to 3.2 M |

1,600 | over 3.2 M to 3.3 M |

1,650 | over 3.3 M to 3.4 M |

1,700 | over 3.4 M to 3.5 M |

1,750 | over 3.5 M to 3.6 M |

1,800 | over 3.6 M to 3.7 M |

1,850 | over 3.7 M to 3.8 M |

1,900 | over 3.8 M to 3.9 M |

1,950 | over 3.9 M to 4 M |

2,000 | over 4 M to 4.1 M |

2,050 | over 4.1 M to 4.2 M |

2,100 | over 4.2 M to 4.3 M |

2,150 | over 4.3 M to 4.4 M |

2,200 | over 4.4 M to 4.5 M |

2,250 | over 4.5 M to 4.6 M |

2,300 | over 4.6 M to 4.7 M |

2,350 | over 4.7 M to 4.8 M |

2,400 | over 4.8 M to 4.9 M |

2,450 | over 4.9 M to 5 M |

2,500 | over 5 M to 5.1 M |

2,550 | over 5.1 M to 5.2 M |

2,600 | over 5.2 M to 5.3 M |

2,650 | over 5.3 M to 5.4 M |

2,700 | over 5.4 M to 5.5 M |

2,750 | over 5.5 M to 5.6 M |

2,800 | over 5.6 M to 5.7 M |

2,850 | over 5.7 M to 5.8 M |

2,900 | over 5.8 M to 5.9 M |

2,950 | over 5.9 M to 6 M |

Notes:

1. For socialized housing projects, you can borrow up to 100% of appraised value..

2. For government employees, their net take-home pay will be evaluated based on the requirements described in the General Appropriations Act.

**Source:**

HDMF Circular No. 310

Amended Guidelines on the Pag-ibig Fund End-User Home Financing Program

Signed by Atty. Darlene Marie B. Berberabe

Pag-ibig Chief Executive Officer

June 6, 2012

Guidelines effective July 2, 2012

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