Loan Parameters
Loan Summary
Monthly Amortization
₱14,911.46
Fixed during initial period
Total Interest
₱1,578,751.05
Over 20yr
Total Payment
₱3,578,751.05
Principal + Interest
Affordability
Affordable
24.9% of income (threshold: 35%)
Scenario Comparison
Compare two loan configurations side by side
Loan Summary
Monthly Amortization
₱14,911.46
Fixed during initial period
Total Interest
₱1,578,751.05
Over 20yr
Total Payment
₱3,578,751.05
Principal + Interest
Affordability
Affordable
24.9% of income (threshold: 35%)
Loan Summary
Monthly Amortization
₱15,505.98
Fixed during initial period
Total Interest
₱1,721,434.89
Over 20yr
Total Payment
₱3,721,434.89
Principal + Interest
Affordability
Affordable
25.8% of income (threshold: 35%)
Scenario B vs. Scenario A — Difference
Scenario A saves you ₱142,683.84 in total interest compared to Scenario B.
Loan Setup
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Scheduled monthly payment: ₱14,911.46 · Term: 240 months · First payment: Apr 2026
How should overpayments be treated?
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Apr 2026
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