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12F, KMC Armstrong Corporate Center, H.V. Dela Costa, Salcedo Village, Makati City, Philippines
@idealhomeloan.ph
@idealhomeloan.ph

Home Loan Simulation Calculator

Compare home loan interest rates available in the market.

Data as of 19 February 2026

IDEAL Partner List

BDO Unibank

IDEAL Partner List

BDO Unibank

IDEAL Partner List

BDO Unibank

Home Loan Type

Property Purchase Price

A value that includes the property selling price plus notary, tax, and administrative fees related to the home loan transaction.

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Down Payment (DP)

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Home Loan Preferences

What is Primary Home Loan?

A type of financing for purchasing a new or first-time property, usually directly from the developer

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Complete the information on the side to start searching

Try filling in some fields in the left column and click "Show Results" to get a comparison of trending home loans on IDEAL

Disclaimer

The comparison of home loan interest rates in this feature may differ from the actual application process. To get the most accurate and latest interest rates, please apply for the home loan process through the IDEAL app. This information is for reference only and not a final offer. Individual factors may affect the interest rate you receive. Do your own research and contact IDEAL Specialist CS if you have further questions.

How to Apply for a Home Loan with IDEAL?
  • Determine the property you want to buy. Ensure the legality is clear and the developer collaborates with a bank (for new properties).
  • Calculate financial capacity. Ensure installments are a maximum of 30% of income. Use the option "Set my budget" in the Home Loan Preferences to match your monthly capacity.
  • Compare interest rates and tenure through IDEAL Home Loan Simulation.
  • Click “Ask about Mortgage” for complete information about bank options, interest rates, and other fees.
  • An IDEAL Specialist will contact you to process your home loan application.
  • After the home loan is approved, the loan signing can proceed. Make sure to pay installments on time to maintain a good credit history!
Why apply for a home loan through IDEAL?

You can enjoy these benefits when applying for a home loan through IDEAL, you know.

Freely choose home loan tenure as needed

Various lowest interest rate options

Many bank options available! Not limited to just one choice

Smooth application process assisted until contract signing

Easily apply to up to 3 banks in one submission

Data security is guaranteed with ISO27001 certification

Check your credit profile instantly! No need to wait for days

Get the best home loan product recommendations based on your profile

Questions about mortgages