23/10/2025
✨ **𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗟𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱 ✨
A few years ago, we finally took the big leap — kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.
🏡 First home. Dream achieved.
Pero after a few months of paying our monthly amortization, napaisip ako...
> “Bakit parang hindi gumagalaw yung utang namin?” 😅
So I went straight to the PAG-IBIG office — at doon ko nalaman ang totoo. 💔
📌 MONTHLY AMORTIZATION BREAKDOWN (Nakaka-shock talaga!)
We were paying ₱14,930.21 every month.
Akala ko malaking part nito napupunta sa principal. Pero eto ang actual breakdown:
₱11,979.17 – Interest
₱235.80 – Fire Insurance
₱360.00 – MRI (Mortgage Redemption Insurance)
₱2,355.24 – Principal
👉 Out of almost ₱15,000, only ₱2K+ goes to your loan balance.
The rest? Sa interest, insurance, at other charges.
💡 Paano Kinocompute ang Interest?
Example:
• Loan Amount: ₱2.5M
• Interest Rate: 5.75% per year
• Divided by 12 months
🧮 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 (Monthly Interest)
Kaya ang tagal bago bumaba ang utang.
Pero don’t worry — over time, habang binabayaran mo,
unti-unting lumiliit ang interest at lumalaki ang nababawas sa principal.
💪 GUSTO MONG MAPABILIS? BAYARAN ANG PRINCIPAL!
Kung may extra cash, wag muna mag-upgrade ng phone 😅
Go directly to the PAG-IBIG office and say:
> “Direct to Principal Payment po.”
Example:
Monthly due: ₱14,930.21
Binayad mo: ₱50,000
→ ₱14,930.21 = regular payment
→ ₱35,069.79 = goes straight to principal
Result: Lumiliit ang utang mo, bumababa ang interest next month,
at mas mabilis kang makaka-fully paid. 🙌
🚫 DON’T DO THIS IN PAYMENT CENTERS
Kapag nagbayad ka ng ₱50,000 sa Bayad Center,
it will only cover your next few months’ dues.
No effect sa principal.
So yes, advance ka nga — pero mabagal pa rin ang bawas sa loan.
💻 Always Monitor Your Loan
Use Virtual PAG-IBIG para makita ang status ng loan mo.
They don’t send monthly bills — ikaw mismo ang dapat mag-track.
❤️ My Realization
Kung hindi mo alam kung paano gumagana ang housing loan mo,
years will pass… at magtataka ka kung bakit parang di nababawasan ang utang mo.
So please, learn from our journey.
Don’t just pay. Pay smart. 💰
📘 Financial literacy isn’t a luxury — it’s survival.
Let’s share this with other homeowners, lalo na yung mga first-time.
🙏 God bless sa lahat ng may bahay pero may bayarin pa —
makaka-fully paid din tayo! ☝️
゚viralシ
