4PH Calculator: Eligibility and Monthly Payment
Last updated: 2026-10-08
The Expanded 4PH (Pambansang Pabahay para sa Pilipino) program lets qualified Pag-IBIG members buy a socialized house and lot or condo at a 3% interest rate. Answer five questions to see if you likely qualify, then estimate your monthly payment. Nothing you enter is saved or sent anywhere.
Ask each seller if the project is DHSUD-accredited for 4PH. Not every low-priced listing is.
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Ready to apply? Register on the official Pag-IBIG 4PH page.
Rules as reported in October 2026. Sources disagree on some details, so confirm with Pag-IBIG before you apply. This is an estimate, not a loan approval. For the full explanation, read our 4PH housing program guide.
4PH income limits
| Where you work | Income limit for the 3% rate |
|---|---|
| Metro Manila (NCR) | ₱47,856 a month |
| Outside Metro Manila | ₱34,686 a month |
| Overseas Filipino Workers | No income limit |
Other requirements
- First-time homebuyer, with no earlier Pag-IBIG housing loan that was foreclosed, cancelled or surrendered.
- Active Pag-IBIG member with at least 24 monthly contributions. Some sources cite 12 for the Expanded 4PH, and missing months can usually be paid in one lump sum.
- Age: 65 or younger when you apply, and the loan paid off by 70.
- An accredited project: only DHSUD-accredited 4PH projects, up to ₱950,000 for a house and lot or ₱1,800,000 for a condo. Lot-only purchases aren't covered.
4PH monthly payment table
Estimated monthly payment over 30 years with no down payment, at the 3% 4PH rate compared with an illustrative regular Pag-IBIG rate of 6.25%. Principal and interest only.
| Home | Price | At 3% | At 6.25% |
|---|---|---|---|
| House and lot | ₱600,000 | ₱2,530 | ₱3,694 |
| House and lot | ₱750,000 | ₱3,162 | ₱4,618 |
| House and lot | ₱950,000 | ₱4,005 | ₱5,849 |
| Condo unit | ₱1,200,000 | ₱5,059 | ₱7,389 |
| Condo unit | ₱1,500,000 | ₱6,324 | ₱9,236 |
| Condo unit | ₱1,800,000 | ₱7,589 | ₱11,083 |
How to apply
- Register on the official Pag-IBIG Expanded 4PH page and choose an available project.
- Pag-IBIG pre-checks your membership, income and contributions.
- The housing agencies validate your application and endorse it to the project's developer.
- You submit the loan documents and sign with the developer and Pag-IBIG.
Our step-by-step 4PH guide covers each step, the documents and the scams to avoid. If you don't qualify, a regular loan may still work: try our home loan calculator and read about the 2026 Pag-IBIG promo rates.
Find homes in your budget
Browse homes in Bataan, Tarlac and Pampanga, where several 4PH projects have been reported, and ask each seller whether the project is accredited for 4PH.
Frequently asked questions
Who qualifies for the 4PH program?
First-time homebuyers who are active Pag-IBIG members, 65 or younger when they apply, and who earn at or below about ₱47,856 a month in Metro Manila or ₱34,686 outside it, as reported in October 2026. OFWs qualify regardless of income. Confirm the current rules with Pag-IBIG.
What is the 4PH interest rate?
Pag-IBIG reports a 3% rate for socialized housing under the Expanded 4PH, subsidized for the first 5 years (10 years for the first 30,000 borrowers under its early-bird offer). After that the loan reprices.
How much is the monthly payment for a ₱950,000 house under 4PH?
About ₱4,005 a month at 3% over 30 years with no down payment, principal and interest only. Insurance is added on top.
Can I use 4PH for any house or condo?
No. Only units in DHSUD-accredited 4PH projects, priced up to ₱950,000 for a house and lot or ₱1,800,000 for a condo. Lot-only purchases aren't covered.
Is this calculator's result a loan approval?
No. It's an estimate from publicly reported rules. Pag-IBIG decides eligibility and the loan amount after checking your documents, income and the project.