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Calculate your estimated monthly amortization based on current Philippine bank rates. Plan your dream home purchase with confidence — instantly see your principal, interest breakdown & full payment schedule.
Adjust the inputs below to instantly see your estimated monthly payment, total interest, and full amortization breakdown.
Estimated Monthly Amortization
₱43,494.88
Total Loan Amount
₱5.2M
Total Payments
₱10.44M
Total Interest
₱5.24M
Downpayment
₱1.3M
Interest Rate
8.000% p.a.
Loan Term
20yr (240 mo.)
Our pre-qualification tool analyzes your financial profile and matches you with the best loan options — in minutes.
Click Calculate and enter your details above to reveal your full breakdown chart and loan summary.
Interest rates vary by bank, fixing period, and borrower profile. Use these as reference and consult your bank for actual quotes.
| Bank | 1 Year | 2 Years | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|---|
B BDO Unibank | 7.000% | 7.500% | 8.000% | 8.500% | 9.250% |
B BPI Family Bank | 6.875% | 7.375% | 7.875% | 8.375% | 9.000% |
M Metrobank | 7.250% | 7.750% | 8.250% | 8.750% | 9.500% |
R RCBC | 7.500% | 7.875% | 8.250% | 8.750% | 9.250% |
S Security Bank | 7.000% | 7.500% | 8.000% | 8.500% | 9.000% |
ⓘ Rates are indicative and subject to change without notice. Actual rates depend on your credit profile, property type, and bank discretion. As of Q1 2026. BSP Reference Rate applies.
Stop guessing. Our pre-qualification tool analyzes your income, employment, and financial profile — then shows you real loan options from Philippine banks you're most likely to get approved for.
Everything you need to know about Philippine home loans and BSP rates.