PROPERTY VALUATION AND ANALYSIS

Philippine Property Calculator

You supply the figures, we'll provide the breakdown.

Step 1 of 8 12%
Step 1 • Required
How much is the property?
Enter the Total Contract Price (TCP) indicated in the deed of absolute sale or developer contract.
₱
Please enter a valid purchase price greater than zero.
Step 2 • Required
What type of property is this & what are its dimensions?
Governs government transfer tax rules, square meter costs, and monthly condo association dues.
Condominium Unit
House & Lot
Commercial / Apartment Bldg
Vacant Residential Lot
sqm
₱
Step 3 • Required
How will you finance the acquisition?
Financed acquisitions require mandatory Mortgage Redemption Insurance (MRI) and Fire Insurance.
Commercial Bank
Pag-IBIG Fund
Cash (No Loan)
%
yrs
%/yr

• Defaulted to 6.25% (HDMF Pag-IBIG 3-Year Fixed Benchmark Rate for 2026).

Please verify downpayment and term constraints.
Step 4 • Required for Debt Financing
What is your monthly household income & existing debt?
Used to calculate how much of your monthly income will go toward loan payments so you know if you can safely afford it.
₱
Household income is required to calculate debt payment affordability.
₱
Step 5 • Required
Where is the property located and who is selling?
Determines city transfer tax rates (0.75% for Metro Manila vs. 0.50% for Provinces) and whether corporate 12% VAT applies.
Metro Manila (NCR)
Province
Step 6 • Optional
What is the BIR Zonal Value?
The government taxes the property based on whichever is higher: the price you pay or the government's official land valuation. If you do not know it, skip this step to base the taxes on the price.

Look up official BIR Zonal Values here ↗
₱
Step 7 • Optional
Will this be leased out, and what is your long-term plan?
Tells the calculator whether to compute rental earnings and how long you plan to keep the property.
Yes, as a Rental Property
No, Personal / Family Use
₱
Plan to Sell Eventually
Keep the Property Forever (Never Sell)
yrs
%/yr
Step 8 • Analysis Customization
What analysis do you want to see?
Click to select the specific topics you want explained in plain English. Multiple can be clicked.
AVAILABLE MODULES
✓
1. Gross & Net Rental Yield
How much rent you make as a percentage of property price, before and after expenses.
✓
2. Realistic Achievable Rent
What comparable units actually lease for, rather than advertised broker list prices.
✓
3. Buy vs. Rent Breakeven Period
How many years it takes before buying becomes cheaper than renting a similar home.
✓
4. Cash-on-Cash Return
The actual annual return you make on the cash you paid out-of-pocket on day one.
✓
5. Carrying Cost During Vacancy
How much money you have to pay from your own pocket every month if the unit sits empty.
✓
6. Total Cost of Ownership
Your all-in commitment over time: downpayment + loan payments + dues + insurance.
✓
7. Alternative-Use & Downside Protection
What backup options you have if long-term tenant demand cools (short-term stays or family use).
✓
8. Financing Cost Sensitivity
How much higher your monthly loan payment becomes if interest rates rise by 1% or 2%.
✓
9. Inflation-Adjusted (Real) Return
Whether your real purchasing power actually grows after netting out Philippine inflation.
Evaluation for a ₱0 property (Bank Loan).
✦ PH PROPERTY ANALYSIS
Money Borrowed (Loan) ? Total amount borrowed from the bank or Pag-IBIG.
₱0
80.0% of property price
Monthly Loan Payment ? What you pay each month for the loan and required insurance.
₱0
Loan: ₱0 | Insurance: ₱0
Total Cash Needed Upfront ? Downpayment + buyer taxes, title transfer, and registration fees.
₱0
Downpayment + all closing costs
Seller Takes Home ? Net amount seller keeps after paying taxes and broker commission.
₱0
After taxes and broker fees
What Happens If Interest Rates Go Up? ? How your monthly loan payment changes if the bank adjusts its interest rates when your fixed period ends.
Interest Rate Change New Annual Rate New Monthly Payment Change in Payment
Upfront Taxes, Government Fees & Closing Costs Breakdown
Fee or Tax Item Who Pays Rule / Basis Amount (₱)
Buyer Pays: ₱0
Seller Pays: ₱0