The three limits on your loan
- Capacity to pay: your monthly amortization should not be more than 35% of your gross monthly income (yours plus any co-borrowers).
- Age and term: the term can be up to 30 years, but the loan must be paid off by age 70. At 45, the longest term is 25 years.
- Property value and the ₱10 million cap: Pag-IBIG lends a percentage of the appraised value, and never more than ₱10,000,000.
Example: ₱30,000 a month, age 35
35% of ₱30,000 is ₱10,500. At the 4.5% promo rate over 30 years, each ₱1 of loan costs about ₱0.005067 a month, so ₱10,500 supports a loan of about ₱2,072,292. A ₱2 million loan costs ₱10,133.71 a month — comfortably inside the limit.
Loanable amount by gross monthly income (4.5% promo)
| Gross income | Max amortization (35%) | Loan, 30 years | Loan, 20 years |
|---|---|---|---|
| ₱20,000 | ₱7,000.00 | ₱1,381,528 | ₱1,106,458 |
| ₱25,000 | ₱8,750.00 | ₱1,726,910 | ₱1,383,073 |
| ₱30,000 | ₱10,500.00 | ₱2,072,292 | ₱1,659,687 |
| ₱40,000 | ₱14,000.00 | ₱2,763,056 | ₱2,212,916 |
| ₱50,000 | ₱17,500.00 | ₱3,453,820 | ₱2,766,145 |
| ₱75,000 | ₱26,250.00 | ₱5,180,730 | ₱4,149,218 |
| ₱100,000 | ₱35,000.00 | ₱6,907,641 | ₱5,532,290 |
Above ₱4.9 million the rate becomes 5.75%, so very high incomes can borrow a bit less than the table suggests; the calculator applies the right rate automatically once you type the loan amount.
Age matters
If you are 45 and earn ₱45,000, the term is capped at 25 years. A ₱2 million loan would then cost ₱11,116.65 a month. Adding a younger co-borrower does not extend the term past the principal borrower’s age 70 limit, but their income does count toward the 35% test.
Ways to borrow more (safely)
- Add a co-borrower (spouse or relative who is also a Pag-IBIG member).
- Choose the longest term you can, then prepay when you have extra cash.
- Keep your monthly contributions updated — Pag-IBIG checks them.
Gross income: what counts?
Pag-IBIG looks at your gross monthly income — basic pay plus regular allowances, before deductions. For self-employed members and OFWs, it uses documented business or overseas income. Bonuses that are not regular may not count. Keep your payslips, ITR or certificate of employment ready.
Don’t borrow the maximum just because you can
The 35% rule is a ceiling, not a target. Many families feel more comfortable keeping housing payments to around a quarter of take-home pay, leaving room for food, school, transport and savings. Use the calculator with a loan amount below your maximum and see how it feels in your monthly budget.
FAQ
How much can I borrow from Pag-IBIG with a ₱30,000 salary?
About ₱2,072,292 at the 4.5% promo rate over 30 years, because the amortization can be up to ₱10,500 (35% of ₱30,000).
What is the Pag-IBIG capacity to pay rule?
Your monthly amortization should not exceed 35% of your gross monthly income, combined with any co-borrowers.
What is the maximum Pag-IBIG loan in 2026?
₱10,000,000 per borrower, subject to the appraised value of the property and your capacity to pay.
Sources (checked 5 November 2026): Pag-IBIG Fund promo housing loan rates under the Expanded 4PH program — 4.5% and 5.75% fixed for 3 years, applications received until 31 December 2026, maximum loan ₱10 million (Pag-IBIG announcements reported by the Philippine Daily Inquirer, 19 June and 10 July 2026, and Daily Tribune, 18 June and 7 July 2026); regular rates by repricing period effective 1 July 2023 (Pag-IBIG Fund release via PCO); 3% subsidized rate and ₱950,000 socialized ceiling for house-and-lot (Pag-IBIG / DHSUD); capacity-to-pay limit of 35% of gross monthly income, 30-year maximum term and age 70 at maturity (HDMF Circular No. 403, Affordable Housing Program guidelines; same limits apply in Pag-IBIG regular housing loan guidelines). Always confirm your rate with Pag-IBIG (pagibigfund.gov.ph) before you sign.