PAG-IBIG LOAN PRIMER 6% 7% 8.5% 9.5% 10.5% 11.5%
5           19.33280           19.80120           20.51653           21.00186   21.49390   21.99261
personal copy of :  10           11.10205           11.61085           12.39857           12.93976   13.49350   14.05954
Lic. Broker Dhines Laruga 15             8.43857             8.98828             9.84740           10.44225   11.05399   11.68190
20             7.16431             7.75299             8.67823             9.32131     9.98380   10.66430
Sun #63 942 7001888 25             6.44301             7.06779             8.05227             8.73697     9.44182   10.16469
  30             5.99551             6.65302             7.68913             8.40854     9.14739     9.90291
MONTHLY AMMORTIZATION TABLE
% Contribution  Loanable Amount   5yrs   10yrs   15yrs   20yrs   25yrs   30yrs 
6.0%       200.00       100,000        1,933.28         1,110.21          843.86          716.43          644.30          599.55
6.0%       200.00       200,000        3,866.56         2,220.41      1,687.71      1,432.86      1,288.60      1,199.10
6.0%       200.00       300,000        5,799.84         3,330.62      2,531.57      2,149.29      1,932.90      1,798.65
6.0%       200.00       400,000        7,733.12         4,440.82      3,375.43      2,865.72      2,577.20      2,398.20
7.0%       200.00       500,000        9,900.60         5,805.43      4,494.14      3,876.50      3,533.90      3,326.51
7.0%       250.00       600,000      11,880.72         6,966.51      5,392.97      4,651.79      4,240.67      3,991.81
7.0%       300.00       700,000      13,860.84         8,127.60      6,291.80      5,427.09      4,947.45      4,657.11
7.0%       350.00       750,000      14,850.90         8,708.14      6,741.21      5,814.74      5,300.84      4,989.77
8.5%       350.00       800,000      16,413.22         9,918.86      7,877.92      6,942.58      6,441.82      6,151.30
8.5%       400.00       900,000      18,464.88       11,158.71      8,862.66      7,810.41      7,247.04      6,920.22
8.5%       450.00    1,000,000      20,516.53       12,398.57      9,847.40      8,678.23      8,052.27      7,689.13
9.5%       500.00    1,100,000      23,102.05       14,233.74    11,486.48      8,528.29      9,610.67      9,249.39
9.5%       550.00    1,200,000      25,202.23       15,527.71    12,530.70      9,303.59    10,484.36    10,090.25
9.5%       600.00    1,250,000      26,252.33       16,174.70    13,052.81      9,691.24    10,921.21    10,510.68
10.5%       600.00    1,300,000      27,942.07       17,541.55    14,370.19    12,978.94    12,274.37    11,891.61
10.5%       700.00    1,500,000      32,240.85       20,240.25    16,580.99    14,975.70    14,162.73    13,721.09
10.5%       850.00    1,750,000      37,614.33       23,613.63    19,344.48    17,471.65    16,523.19    16,007.93
10.5%       950.00    2,000,000      42,987.80       26,987.00    22,107.98    19,967.60    18,883.64    18,294.78
11.5%    1,100.00    2,250,000      49,483.37       31,633.97    26,284.28    23,994.68    22,870.55    22,281.55
11.5%    1,200.00    2,500,000      54,981.53       35,148.85    29,204.75    26,660.75    25,411.73    24,757.28
11.5%    1,350.00    2,750,000      60,479.68       38,663.74    32,125.23    29,326.83    27,952.90    27,233.00
11.5%    1,450.00    3,000,000      65,977.83       42,178.62    35,045.70    31,992.90    30,494.07    29,708.73
TABLE OF NET DISPOSABLE INCOME
% Contribution  Loanable Amount   5yrs   10yrs   15yrs   20yrs   25yrs   30yrs 
6.0%       200.00       100,000        4,833.20         2,775.51      2,109.64      1,791.08      1,610.75      1,498.88
6.0%       200.00       200,000        9,666.40         5,551.03      4,219.29      3,582.16      3,221.51      2,997.76
6.0%       200.00       300,000      14,499.60         8,326.54      6,328.93      5,373.23      4,832.26      4,496.63
6.0%       200.00       400,000      19,332.80       11,102.05      8,438.57      7,164.31      6,443.01      5,995.51
7.0%       200.00       500,000      24,751.50       14,513.56    11,235.35      9,691.24      8,834.74      8,316.28
7.0%       250.00       600,000      29,701.80       17,416.28    13,482.42    11,629.49    10,601.69      9,979.53
7.0%       300.00       700,000      34,652.10       20,318.99    15,729.49    13,567.73    12,368.63    11,642.79
7.0%       350.00       750,000      37,127.25       21,770.34    16,853.03    14,536.86    13,252.11    12,474.41
8.5%       350.00       800,000      41,033.06       24,797.14    19,694.80    17,356.46    16,104.54    15,378.26
8.5%       400.00       900,000      46,162.19       27,896.78    22,156.65    19,526.02    18,117.61    17,300.54
8.5%       450.00    1,000,000      51,291.33       30,996.43    24,618.50    21,695.58    20,130.68    19,222.83
9.5%       500.00    1,100,000      57,755.11       35,584.34    28,716.19    21,320.72    24,026.67    23,123.49
9.5%       550.00    1,200,000      63,005.58       38,819.28    31,326.75    23,258.97    26,210.91    25,225.62
9.5%       600.00    1,250,000      65,630.81       40,436.75    32,632.03    24,228.09    27,303.03    26,276.69
10.5%       600.00    1,300,000      69,855.18       43,853.88    35,925.47    32,447.35    30,685.92    29,729.02
10.5%       700.00    1,500,000      80,602.13       50,600.63    41,452.46    37,439.25    35,406.83    34,302.71
10.5%       850.00    1,750,000      94,035.81       59,034.06    48,361.21    43,679.13    41,307.96    40,019.83
10.5%       950.00    2,000,000    107,469.50       67,467.50    55,269.95    49,919.00    47,209.10    45,736.95
11.5%    1,100.00    2,250,000    123,708.43       79,084.91    65,710.69    59,986.69    57,176.38    55,703.87
11.5%    1,200.00    2,500,000    137,453.81       87,872.13    73,011.88    66,651.88    63,529.31    61,893.19
11.5%    1,350.00    2,750,000    151,199.19       96,659.34    80,313.06    73,317.06    69,882.24    68,082.51
11.5%    1,450.00    3,000,000    164,944.58    105,446.55    87,614.25    79,982.25    76,235.18    74,271.83
Sample Computation of Net Disposable Income (NDI)
Ex. Loan Amount = 500,000  Term=30years, Interest Rate = 7% 
NDI=Monthly Amort/40% = P3,26.51/0.40 = P8,316.28