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In 2010, I availed a housing loan thru PAG-IBIG,  payable for 30 years for 5, 620 monthly. The principal amount is worth 750, 000.  It means if you have that certain amount on hand, you can fully pay PAG-IBIG on the spot without waiting for 30 years.

One time, when I computed my monthly amortization, multiplied by 12 months, then multiplied by 30 years, my house would reach  2-million something. My eyes bulged out a bit.  Imagine a huge difference? 750, 000, and 2 million?

I had been paying P5,620 per month for almost 4 years, and I noticed it would only deduct 500 plus from our principal amount every month. Question? Where did the 5000 pesos go?  I assumed, it just went to interest and fire insurance alone. It seems like I'm just paying the interest forever. And for four (4) years of paying, the principal amount went down to only 723, 000.


A few days after contemplating, I headed to PAG-IBIG office, Davao branch, to personally talk to one of their staff to seek advice on how to lower my loan interest rate. She told me to pay the principal amount little by little so the interest would be lowered and the number of years as well.

As a Math teacher, and out of curiosity, I asked her how they computed that thing. She just said hurriedly, (since there's another person next in line)  "just keep paying the principal amount on top of your monthly amortization so the Diminish Interest Rate will be reduced. Her explanation left me hanging.

In spite of the confusion, we decided to pay P275,000 to the principal amount. Then it went down to 447,000.  And we waited for the SOA (statement of account) to be delivered to our home to see how much was deducted to our Principal Amount.  A month later,  P2, 400+ was already deducted from our principal amount instead of 500. Month by month, I noticed that the deduction was consistent as reflected again in the SOA.

If you wish to pay the principal amount, just go to the PAG-IBIG branch near you and mention to the cashier that you are going to pay the "principal amount" then it will reflect in your receipt. Take note that you have also to pay your regular monthly amortization.