Home Loan Simulator

Philippines — Bank, Pag-IBIG, In-House
KayaKo
KayaKo is an independent calculator — not a bank, broker, or Pag-IBIG. We don't approve loans; this estimates what a typical lender might decide.
1
Property & Loan
2
Your Income
3
Loan Details
What property are you looking at?
Enter the asking price and how much you plan to put down.
Total purchase price
₱
Enter a valid price (min ₱500,000)
Condominium
House & Lot
Townhouse
Affordable Housing
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
Guides
All guides →
How banks actually compute your DSR
The one ratio that decides most approvals — and why it's on net, not gross.
Can an OFW afford a ₱5M house on ₱120k/month?
A fully worked example, including the cash you need upfront.
Loan term vs. fixing period
Your rate isn't locked for 30 years. What actually happens at repricing.
Chapter 1 Does this loan fit your profile? 1 / 7
01
Does this loan fit your profile?
Banks check your income, obligations, and savings before approving.
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Estimate based on your numbers — not a bank decision.
02
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%
03
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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—% yours
The cost of borrowing — total interest over the loan
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Your Loan Balance vs. Property Value

04
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

05
Is buying smarter than renting?
Compare the true cost of owning vs. continuing to rent over time.
vs
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.
06
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.
Your Home-Buying Snapshot
Here's what your numbers show — the decision is yours.
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 —
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monthly payment