This Pag-IBIG Loan Calculator lets you estimate how much you can borrow across all three of Pag-IBIG’s short-term loan programs: the Multi-Purpose Loan (MPL), the Calamity Loan, and the SAFE Loan. Just select your loan type, enter your Total Accumulated Value (TAV), and get your estimated loanable amount plus monthly amortization instantly.

Key features include:

• Three loan types in one tool: Switch between MPL, Calamity Loan, and SAFE Loan without needing separate calculators.
• Automatic ceiling computation: Applies each loan’s correct cap (90% of TAV for MPL and Calamity Loan, or the lower of ₱10,000 and 90% of TAV for SAFE Loan).
• Existing loan offsetting: If you already have an MPL or Calamity Loan balance, the calculator deducts it from your new loanable amount, since all of Pag-IBIG’s short-term loans share the same 90% of TAV ceiling.
• Grace period accounted for: For Calamity and SAFE Loans, the calculator factors in the 3-month grace period and the interest that accrues during it, so your monthly amortization estimate is closer to what Pag-IBIG actually charges rather than a plain textbook computation.
• Flexible terms: Choose 12, 24, or 36 months for MPL and SAFE Loan. Calamity Loan is fixed at 24 months, as required by Pag-IBIG.

How Your Loanable Amount Is Computed

Pag-IBIG bases all three loans on your Total Accumulated Value (TAV), the sum of your Pag-IBIG contributions, your employer’s counterpart, and the dividends credited to your account. Check your exact TAV on Virtual Pag-IBIG before relying on any estimate.

Multi-Purpose Loan (MPL)

Your maximum MPL is 90% of your TAV, under HDMF Circular 469. This is up from the old 80% ceiling and now requires only 12 posted contributions (down from 24), with at least one posted in the last 6 months.

Maximum MPL = TAV × 90%

Interest runs at 10.5% per annum on a diminishing balance, payable over 12, 24, or 36 months. There is no grace period. If you have an existing MPL or Calamity Loan balance, it’s deducted from this maximum since both loans draw from the same TAV-based ceiling.

Calamity Loan

The Calamity Loan shares the same 90% of TAV ceiling as MPL, but is only available when Pag-IBIG has declared your area eligible following a calamity. Its main advantage now is the rate, not the ceiling.

Maximum Calamity Loan = TAV × 90%

Interest is 5.95% per annum, roughly half the MPL rate, with a fixed 24-month term and a 3-month grace period before your first payment is due. Interest still accrues during those 3 months and gets added to your principal, which is why your actual monthly amortization comes out slightly higher than a plain 5.95% computation would suggest.

SAFE Loan

The SAFE Loan is Pag-IBIG’s 2026 emergency assistance program, capped at whichever is lower: ₱10,000, or 90% of your TAV.

Maximum SAFE Loan = min(₱10,000, TAV × 90%)

It also carries the 5.95% per annum rate and the 3-month grace period, with your choice of 12, 24, or 36-month terms. If you already have an MPL or Calamity Loan, Pag-IBIG will still let you apply, but your SAFE Loan amount shrinks by however much of your 90% TAV ceiling that existing balance already uses up.

A Note on Accuracy

These figures are estimates for planning purposes, based on Pag-IBIG Fund’s public guidelines under HDMF Circular 469 and its 2026 SAFE Loan announcements. Pag-IBIG’s final assessment of your account, including your actual posted contributions and any pending obligations, determines your real approved amount. Always confirm your exact numbers through Virtual Pag-IBIG or your nearest Pag-IBIG branch before applying.