Property Financing Calculator
PLAN YOUR PROPERTY PURCHASE
Property Financing Calculator
Explore how your down payment, interest rate and loan term affect an estimated monthly loan amortization.
For: Santa Monica Estate Talamban : Pre-Selling House and Lot for Sale
Your estimated monthly amortization
Enter your assumptions and select Calculate estimate.
Monthly principal and interest
- Down payment
- Estimated loan amount
- Estimated gross monthly income required
Insurance is not included. Mortgage Redemption Insurance (MRI), or equivalent loan insurance, may be collected with your monthly payment or billed separately. Added premiums increase the total amount you pay and may increase the income your lender requires. Ask for a loan amortization quotation including insurance.
Assumptions changed. Calculate again to refresh your estimate.
Ask about this propertyUnderstand your estimate
This tool assumes equal monthly loan amortizations and one annual interest rate throughout the full loan term. Actual rates may change after a lender’s initial fixing period.
The estimated monthly amortization covers principal and interest only. It excludes taxes, insurance, bank charges, transfer and registration costs, association dues, reservation fees and developer equity schedules. The down payment shown is not your complete upfront cost.
This is a planning estimate, not a financing offer, approval or confirmation that a property qualifies for a loan. Confirm the property price, payment schedule and financing terms with the owner, developer and lender.
Can we combine incomes?
Pag-IBIG / HDMF: Published capacity-to-pay rules consider up to three borrowers in a tacked loan (the principal borrower plus up to two co-borrowers). Eligible spouses, parents and adult children, or siblings may apply, subject to membership, income documents and the applicable program rules. Each borrower’s capacity to pay is assessed; simply adding incomes does not guarantee approval.
Published tacking guidelines also provide for relatives within the second civil degree of consanguinity or affinity. Non-relatives or more distant relatives may qualify under additional conditions, including eligible loan purposes, joint property registration and signing the mortgage. Confirm the rules for your specific Pag-IBIG program before applying.
Bank financing: There is no single borrower limit or accepted-relationship list for every bank. BDO, for example, considers spouses’ combined income and permits a single applicant to apply with a co-borrower. Ask your selected bank whether it accepts your proposed spouse, sibling, parent or adult child, how many incomes it will assess, and what documents it requires.
Co-borrowing creates an obligation to pay the loan, not just permission to count another person’s salary. Under the cited Pag-IBIG tacking guidelines, borrowers are jointly and severally liable for the entire loan.
Official references: Pag-IBIG Circular 402 — capacity to pay; Circular 403 — AHP tacking conditions; Pag-IBIG regular-developer requirements; BDO Home Loan FAQs. Guidance checked 9 October 2026; confirm the lender’s current rules.
