Property & Loan

Your Income

Loan Details

What property are you looking at?

Enter the asking price and how much you plan to put down.

Property Price Total purchase price

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Enter a valid price (min ₱500,000)

Property Type

Condominium

House & Lot

Townhouse

Affordable Housing

Down Payment 20% is standard

10%

20%

30%

40%

Custom %

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Down Payment

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Loan Amount

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Est. Closing Costs

What is your monthly income?

Used to check if the loan is affordable. We'll estimate taxes and mandatory deductions (SSS, PhilHealth, Pag-IBIG) automatically.

Your Monthly Gross Salary Before tax & deductions

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Enter your household's monthly income (yours or your spouse's)

Employment Type

Employed

Self-Employed

OFW

Spouse / Co-borrower Monthly Salary Optional — leave 0 if none

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Other Monthly Income Freelance, OFW, business, rental

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OFW remittance, freelance, business income. Banks apply a 20–30% haircut on non-regular income and require 2 years of documentation.

Existing Monthly Loan Payments Other loans you are already paying

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Car loans, personal loans, credit card minimums, SSS/Pag-IBIG salary loans. Banks add these to your home loan payment when computing your total debt obligations.

Monthly Living Expenses Excl. rent & loans

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Enter your estimated monthly expenses

Food, transport, utilities, clothing

Current Monthly Rent Buy vs. Rent

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Leave blank to auto-estimate

Your Current Age For the schedule table

yrs

Enter your age (18–65)

Current Total Savings Emergency fund + cash

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Used to calculate how long you can survive a financial shock

Chapter 1 Can you get this loan? 1 / 7

Can you get this loan?

Banks check your income, obligations, and savings before approving.

What will this actually cost you?

The price tag on the listing is just the beginning.

Monthly Payment — Fixed

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After Repricing

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Debt-to-Income Ratio

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Recommended max: 30–35%

What wealth are you building?

Every payment grows your equity. Here is what you will own over time.

Your equity at year 10

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The cost of borrowing — total interest over the loan

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Your Loan Balance vs. Property Value

Month to month, what is your life like?

After paying the mortgage and all expenses, here is what you have left.

Monthly Buffer

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After amort + living expenses

Years Until Loan is Paid

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Monthly Cash Left After All Expenses

Is buying smarter than renting?

Compare the true cost of owning vs. continuing to rent over time.

	5 yrs	10 yrs	15 yrs	20 yrs	At End
Cost of Buying (minus equity gained)	—	—	—	—	—
Cost of Renting (3%/yr rent increase)	—	—	—	—	—
Better financially

i Buying cost = total payments + taxes + HOA fees + closing costs, minus estimated property appreciation. This compares total money spent — not including the down payment opportunity cost.

Your complete payment plan

Year by year — every peso paid, every peso owned.

Year-by-Year Schedule

Repriced Paid off

Yr	Age	Note	Gross Salary	Take-Home	Mo. Payment	Annual Total	Principal	Interest Paid	Remaining Balance	Prop. Value	Equity	Monthly Buffer

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Estimate based on your numbers — not a bank decision.

So — should you buy?

Based on everything above, here is the short version.

Disclaimer: This tool is for educational purposes only and does not constitute financial advice. Actual loan terms, interest rates, taxes, and property values may differ. Interest rate scenarios are illustrative. Consult a licensed financial advisor and your bank or Pag-IBIG before making any property purchase decision. How we calculate these numbers →

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Estimate, not a bank decision

Monthly Payment

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At a Glance

Est. Bank Approval —

Cash Flow —

Savings Runway —

Equity at Year 10 —

Total Interest —