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Blessed Properties PH
BLESSEDBLESSED PROPERTIESPH
Where Dreams Find Homes

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Calamba City, Laguna 4027, Philippines

ExcelEdge Realty Network

PRC REB Lic. No. 0024178 • DHSUD NCR-B-04/2018-007123

RESA Law (RA 9646) Compliant Brokerage

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+63 995 338 9918

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Where Dreams Find Homes

Free Philippine Real Estate Financial Tools

Financing & Loan Studio

Explore your buying power and project exact monthly amortizations across commercial bank loans, Pag-IBIG Fund (HDMF), developer in-house financing, straight spot cash savings, and pasalo deals.

Updated 2026 Interest BenchmarksInstant PDF & Image ExportAssume Balance (Pasalo) Calculator
Philippine Real Estate Financing & Pasalo Engine

Financing, Straight Cash & Pasalo Projector

Simulate Bank, Pag-IBIG Fund (HDMF), In-House, Straight Cash, and Pasalo (Assume Balance) acquisitions.

Projected Monthly Payment
₱40,316 /month
Req. Gross Monthly Income: ₱115,187
₱
₱
Net DP: ₱1,275,000
Up to 25 Yrs (Bank)
Banks: 6.75% - 8.50%
Loan Overview
Bank Financing
Contract Price:₱6,500,000
Down Payment (20%):₱1,300,000
Net DP (Less Res.):₱1,275,000
Principal Loan:₱5,200,000
Est. Total Interest:₱4,475,731
Principal: 54%Interest: 46%

Multi-Year Long-Term Amortization Comparison Matrix

Tap any term to select • Swipe horizontally on mobile →
Loan TermEst. RateMonthly Amort.Total InterestTotal CostMin. Income
5 Years (60m)7.00%₱102,966₱977,974₱6,177,974₱294,189/mo
10 Years (120m)7.00%₱60,376₱2,045,169₱7,245,169₱172,504/mo
15 Years (180m)7.00%₱46,739₱3,213,033₱8,413,033₱133,540/mo
20 Years (240m)7.00%₱40,316₱4,475,731₱9,675,731₱115,187/mo
25 Years (300m)7.00%₱36,753₱5,825,755₱11,025,755₱105,007/mo
Standard Financial & Amortization Disclaimer (RESA Law & DHSUD Compliance)

"Indicative computation only. Final interest rates, loanable amounts, and approval are subject to bank/HDMF credit evaluation and prevailing rates at time of loan take-out."

Estimated Philippine Closing Costs & Transfer Taxes Breakdown (Approx. 3.5%–4.5%)
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Estimated expenses payable upon property title transfer or bank takeout:

Documentary Stamp Tax (DST)
1.5% of TCP or Zonal Value

Mandatory BIR tax on property deeds and deeds of absolute sale.

Transfer Tax
0.50% – 0.75% of TCP

Local Government Unit (LGU) tax for updating land title records.

Registration & Notarial Fees
Approx. 0.75% – 1.0%

Land Registration Authority (LRA) entry and legal notarization fees.

Bank Processing & Appraisal
₱10,000 – ₱25,000 (Flat)

Bank appraisal fee, handling fees, and mortgage registration expenses.

Government & Developer Disclaimer: Computations for Pag-IBIG Fund (HDMF), In-House Financing, Spot Cash, and Philippine commercial banks (BPI, BDO, Metrobank, Security Bank) are indicative estimates. Final approval depends on credit scoring, developer promo mechanics, and insurance (MRI/Fire).

Need personalized financing assistance or bank pre-qualification?

Our licensed real estate specialists and accredited loan officers can assist you with documentary requirements.

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