Discover how much you could save monthly by refinancing your existing home loan with Pag-IBIG's competitive rates.
POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Pag-IBIG Fund offers some of the most competitive home loan rates in the Philippines, typically ranging from 6% to 9% annually depending on your loan term and profile. If you're currently paying higher rates with commercial banks, refinancing from your bank to Pag-IBIG could result in substantial monthly savings on your mortgage payments.
Our calculator uses approximate Pag-IBIG rates based on publicly available information to estimate your potential savings. Actual rates may vary based on your loan amount, term, and creditworthiness. To get started with the refinancing process, you'll need to understand Pag-IBIG's specific requirements and documentation needed for your application.
While Pag-IBIG offers attractive rates for refinancing, working with Nook's partner banks can provide additional advantages including verified current rates, streamlined processing, and our free broker service to guide you through the entire refinancing journey.
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
This calculator provides estimates based on publicly available Pag-IBIG rate information, which typically ranges from 6-9% annually. Actual rates and savings may vary based on your specific loan profile, creditworthiness, and current Pag-IBIG rate offerings at the time of application.
Pag-IBIG housing loan rates generally range from 6% to 9% per annum, depending on your loan term and borrower profile. Rates are subject to change and you should verify current rates directly with Pag-IBIG or check their official website for the most up-to-date information.
Yes, Pag-IBIG accepts refinancing applications from borrowers with existing loans from commercial banks, provided you meet their eligibility requirements. You must be a Pag-IBIG member with sufficient contributions and meet their income and credit requirements for the new loan amount.
Pag-IBIG refinancing typically takes 30-60 days to complete, depending on document completeness and property appraisal schedules. The process involves application submission, document verification, property appraisal, and loan approval before final loan release.
Yes, Pag-IBIG refinancing involves various fees including appraisal fees, processing fees, notarial fees, and registration costs. These fees are generally lower compared to commercial banks, but you should factor them into your total refinancing cost calculation.
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