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Pag-IBIG MP2 & Housing Loan
Two Pag-IBIG calculators in one. Project your MP2 maturity at the latest declared dividend rate, or estimate housing loan amortization across the current rate tiers.
At end of term
₱143,631
60 mo @ 7.12%
- Total contributions
- ₱120,000
- Estimated dividends
- ₱23,631
- At end of term
- ₱143,631
MP2 historical dividend rates
- 20187.41%
- 20197.23%
- 20206.12%
- 20216.00%
- 20227.03%
- 20237.00%
- 20247.10%
- 20257.12%
Rates as of 2026-05-18
Where to next?
Partner offer
Home insurance
Protect your Pag-IBIG-funded home
Mandatory MRI and fire insurance via Pag-IBIG covers the minimum. Top it up with comprehensive home insurance from PH providers.
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Check bank mortgage rates side-by-side
Pag-IBIG is one option. BPI, Security Bank, and Metrobank may beat the published rate for your bracket — pre-qualify in one form.
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How it works
MP2: we compound your monthly contribution at the dividend rate you pick (default = the latest declared rate). The formula assumes monthly compounding, which is the convention used by published MP2 calculators and matches Pag-IBIG's average-daily-balance methodology closely for steady monthly contributions. You see total contributions, estimated dividends, and the projected maturity value.
Housing Loan: standard fixed-rate amortization. Pick a repricing period from the current Pag-IBIG schedule (1, 3, 5, 10, 15, 20, 25, or 30 years) and the rate locks for that window before resetting. Tick the socialized-housing box if you qualify for the 3% 4PH rate. Maximum loan is ₱6M; maximum term is 30 years.
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Frequently asked questions
What is Pag-IBIG MP2 and how is it different from regular savings?
MP2 (Modified Pag-IBIG 2) is a voluntary savings program with a 5-year lock-in. It pays a higher dividend than regular Pag-IBIG — 7.12% for 2025 vs 6.62% for the regular fund. You can contribute as little as ₱500 a month, and dividends are tax-free. Once locked in, withdrawals before 5 years forfeit part of the dividend.
Is the 7.12% MP2 rate guaranteed?
No. Pag-IBIG declares the dividend rate every February based on the previous year's actual returns from its investment portfolio. Rates have ranged 6.00%–7.41% over the last decade. Our calculator defaults to the latest declared rate (2025: 7.12%), but you can override it with a more conservative number to stress-test your projection.
What's the maximum Pag-IBIG housing loan?
₱6,000,000 for the regular program, with up to 30-year amortization. You must be a Pag-IBIG member with at least 24 monthly contributions. The loanable amount also depends on your gross income (debt-to-income limit of 35%) and the property's loan-to-value ratio (95% under ₱2.5M, 90% above).
How does the 3% socialized housing rate work?
First-time homebuyers earning ≤₱47,856/mo in NCR or ≤₱34,686/mo outside NCR qualify for the subsidized 3% rate under the Pambansang Pabahay para sa Pilipino (4PH) program. Early Bird Promo grantees keep the 3% rate for the first 10 years. Tick the box in the calculator to model this scenario.
What's a repricing period?
Pag-IBIG housing loans use a fixed-rate-then-reprice structure. A 5-year repricing period means your rate is locked for 5 years (currently 6.50%), then resets to the prevailing rate. Shorter repricing periods give you a lower starting rate but more uncertainty later; longer ones lock in today's rate but cost more.
Does this save or transmit my data?
No. Everything runs in your browser. We don't collect, store, or transmit any of your inputs.
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Sources & references
From official issuer, regulator, and data-provider sites. Verify any figure against the primary source before acting on it.