Computation Base Capped at ₱5,000 for mandatory rate
₱0
Employee Rate 2% of base (max ₱100 mandatory)
₱0
Employee Mandatory Contribution
₱0
Voluntary Top-Up
₱0
Total Employee Contribution
₱0
Employer Contribution 2% of base (max ₱100), employer pays this
₱0
TOTAL MONTHLY PAIDIN TO FUND
₱0
Pag-IBIG Savings Projection
Your Contributions
₱0
Employer Contributions
₱0
Estimated Dividends (~5%/yr)
₱0
Projected Total Fund
₱0
🏠 Housing Loan Eligibility
Minimum contributions required24 months
Maximum loan amount–
Loan term optionsUp to 30 years
Interest rate (as of 2026)6.375% – 10% depending on term
Status after ––
💡 Pag-IBIG Benefits You Should Know
• Multi-Purpose Loan: Borrow up to 80% of your total savings after 24 months
• Calamity Loan: Up to 80% of savings during declared calamities
• Annual dividends: ~5–7% historically — your savings grow even if you don't add voluntary contributions
• Death/total disability benefits: Full refund of contributions + dividends to beneficiaries
• Tip: Adding ₱200–₱1,000/mo voluntary top-up significantly boosts your housing loan eligibility
Based on Pag-IBIG / HDMF Republic Act 9679. Mandatory employee rate: 1% for salary ≤₱1,500; 2% for salary above ₱1,500, capped at ₱100/month. Employer always contributes 2% of salary capped at ₱100. Voluntary contributions above the mandatory cap are allowed and earn the same dividend rate. Savings projection assumes ~5% annual dividend. For official loan computations, visit pagibigfund.gov.ph.