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Amortization Calculator
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MONTHLY AMORTIZATION FACTOR
(under HDMF Circular 219)
(on or before due date)
per P 1,000 LOAN
Loanable Amount
6%
P300,000 and below
7%
P300,000 - P500,000
10.5%
P500,000 - P1,000,000
11.5%
P1,000,000 - P2M
Terms of Loan
(in years)
INTEREST RATE
6%
7%
10.5%
11.5%
1
86.06643
86.52675
88.14860
88.61505
2
44.32061
44.77258
46.37604
46.84032
3
30.42194
30.87710
32.50244
32.97601
4
23.48503
23.94624
25.60338
26.08901
5
19.33280
19.80120
21.49390
21.99261
6
16.57289
17.04901
18.77897
19.29116
7
14.60855
15.09268
16.86067
17.38646
8
13.14143
13.63372
15.44002
15.97937
9
12.00575
12.50628
14.35086
14.90366
10
11.10205
11.61085
13.49350
14.05954
11
10.36703
10.88410
12.80446
13.38350
12
9.75850
10.28381
12.24141
12.83317
13
9.24723
9.78074
11.77502
12.37918
14
8.81236
9.35401
11.38434
12.00055
15
8.43857
8.98828
11.05399
11.68190
16
8.11438
8.67208
10.77242
11.41165
17
7.83101
8.39661
10.53081
11.18096
18
7.58162
8.15502
10.32228
10.98295
19
7.36083
7.94192
10.14139
10.81218
20
7.16431
7.75299
9.98380
10.66430
21
6.98857
7.58472
9.84599
10.53578
22
6.83074
7.43424
9.72507
10.42374
23
6.68847
7.29919
9.61867
10.32581
24
6.55978
7.17760
9.52481
10.24002
25
6.44301
7.06779
9.44182
10.16469
26
6.33677
6.96838
9.36829
10.09844
27
6.23985
6.87815
9.30304
10.04008
28
6.15124
6.79609
9.24504
9.98859
29
6.07005
6.72130
9.19341
9.94312
30
5.99551
6.65302
9.14739
9.90291
Loanable Amount:
Amortization Factor:
Monthly Amortization:
(Principal + Interest)
* Excluding MRI & Fire Insurance
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