Estimate methodology
Athelstan is a real estate marketplace. We are not a bank, lender, financing company, or Pag-IBIG, and we have no business relationship, partnership, or endorsement arrangement with Pag-IBIG or with any bank referenced on this platform.
The "Estimated monthly payment" shown on eligible listings is a rough planning tool, calculated using:
We run these through a standard amortization formula and show you the resulting low-to-high monthly payment range.
Our team periodically reviews publicly available reference information on typical housing-loan rate ranges in the Philippines and sets internal assumptions. These assumptions are reviewed on a set schedule (see the "last reviewed" date shown with each estimate) but are not live-fed and can fall out of date between reviews. Actual rates offered by any lender, including Pag-IBIG, can be materially higher or lower than what's assumed here, and change without notice to us.
We also show a rough idea of the household income a payment like this usually needs. We work it out by taking the higher end of the sample payment range and assuming the payment is about 30% of gross monthly household income. That 30% is our own assumption — it is not a rule set by any lender, by Pag-IBIG, or by the government. Real lenders use their own limits, usually look at all your loans and not just this one, and also consider your job, your other income, and your credit history. Treat this as a rough guide, not as a statement about whether you can borrow.
If you're seriously considering a property, get an actual rate quote and pre-qualification directly from a bank or from Pag-IBIG (pagibigfund.gov.ph) before making financial decisions based on this estimate.
Athelstan makes no representation or warranty, express or implied, as to the accuracy of this estimate, and disclaims liability for any decision made in reliance on it.
Rate assumptions last reviewed: 2026-07-15. Methodology may change without notice.
