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BPI housing loan calculator online in the Philippines in 2022. How to figure out the loan yourself? A handy tool that will show whether you can pay off a loan, help you choose lending with affordable payments.

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Calculation according to the property value

Calculation according to the loan amount

Payments

The diagram shows the amount of interest in the payout body

Payment schedule

Overpayment level

Annual schedule

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Buying a property is a big decision, which is why it is important to carefully plan everything before applying for a loan. This includes the location, structure, and the medium of financing this purchase. The financing part is the most difficult for most people. This is why a loan may be needed in order to pay for the property. Knowledge of the financial implications of taking a loan beforehand is crucial. This is where the BPI housing loan calculator comes in.

The BPI housing loan calculator is a tool provided on the BPI website to help intending borrowers calculate the monthly installments for housing loans taken from BPI. The applicant only needs to enter the property type, the property selling price, the down payment for the loan and the loan term. The loan calculator will use the data provided to calculate monthly installments immediately.

Intending borrowers should note that the BPI housing loan calculator only makes estimates. The actual amortizations can be determined by consulting a BPI loan officer.

Also, the interest rates are subject to change without prior notice.

The BPI housing loan calculator is easy to use. It only needs a few inputs to do the calculation required. Here are the steps required to calculate the monthly payments for a desired loan using the loan calculator.

Go to the BPI website.

Click on

**Loan calculator**under**Quick links**.Click the

**Property type**to reveal the drop-down menu, and click the type of property you're hoping to purchaseClick on the

**Selling price**space to type the cost of the property without commas.Go to

**Down payment**and enter the percentage of the property amount you are able to pay. This will be subtracted from the property's value to determine the loan amount required.Click on

**Payment terms**to choose the number of years you'll need to pay back the loan.Click

**Compute**.The tool will display the selling price of the property, the down payment in pesos, the loan amount required, and monthly amortizations for the loan term.

The BPI housing loan calculator inputs are the data the applicant has to provide the tool for automatically calculating the loan-related variables. These include the property type, selling price, down payment and payment terms.

**Property type.**This is used to determine the type of property the applicant hopes to purchase. The options available are residential condominium, house and lot purchase or construction, lot purchase or property acquisition.**Selling price.**This is the value of the property the applicant wishes to purchase. The BPI housing loan calculator expects the applicant to have some of this value as a down payment.**Down payment.**This is a percentage of the selling price of the property, which the applicant is ready to pay for on loan approval. The down payments offered are 20%, 30%, 40% and 50% of the Property Selling Price. The down payment will be subtracted from the property value to determine the loan amount.**Payment Terms.**This is the loan term. It means the number of years the applicant intends to pay the loan. The payment terms available on the BPI housing loan calculator range from 1 - 10 years.

These values are displayed when the inputs are complete, and the applicant clicks compute. The loan calculator displays four outputs. They are:

**Selling price.**This is the amount the borrower will have to pay in order to purchase the property.**Down payment.**This is part of the property's value that the borrower can pay.**Amount financed.**This is the down payment subtracted from the property value. It is the actual amount which the borrower hopes to get from BPI.**Monthly amortization.**This is the monthly payment the borrower must make in order to complete the payment in the provided payment term.

The output of the BPI housing loan calculator is a function of several factors. These factors include:

**Selling price.**The higher the selling price, the higher the amount financed**Down payment.**As the down payment increases, the amount financed will decrease for any given value of the Selling price. A higher down payment will result in lower amortizations for the same selling price.**Interest rates.**This is the interest rate per annum for the loan amount.**Payment terms.**This is the duration of the loan. BPI housing loan calculator has varying interest rates for different payment terms. The interest rates increase as the payment term increases. The offered payment terms range from 12 months to 20 years and the interest rates range between 6.75% to 12% depending on the loan term you select.