Get instant payment estimates and compare rates from all major Philippine banks in one place.
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Why this matters
Finding the right housing loan in the Philippines requires comparing multiple factors: interest rates, monthly payments, total cost, and bank requirements. Our comprehensive housing loan calculator lets you instantly see payment estimates across different loan amounts, terms, and rates from BPI, BDO, Metrobank, Security Bank, Pag-IBIG, and other major lenders.
Most Filipino homebuyers focus only on the monthly payment, but the total interest cost over 15-25 years can vary dramatically between banks. For example, a 1% difference in interest rate on a 3 million peso loan saves you over 800,000 pesos over the loan term. That's why it's crucial to compare all your options before choosing a lender.
Whether you're buying your first home, upgrading to a larger property, or looking into condo financing options, use our calculator to make informed decisions and find the most affordable housing loan for your situation.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Online calculators provide accurate payment estimates using standard amortization formulas. However, your final rate and payment may vary based on your credit profile, income verification, and the bank's current promotions or fees.
Banks typically use gross monthly income (before taxes) to calculate your debt-to-income ratio, which should not exceed 30-40% for housing loans. Some banks may consider net income if you have significant other financial obligations.
Focus on the lowest total cost over the loan term, not just monthly payment. A slightly higher monthly payment with a lower interest rate usually saves more money long-term than extending the loan term.
Yes, the payment calculation is the same whether you're buying or refinancing. The main difference is that refinancing may have different rates and fees, which could affect your total cost comparison.
Banks typically adjust rates quarterly based on BSP policy changes and market conditions. Promotional rates may change monthly, so it's best to get pre-approved quickly when you find a favorable rate.
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