MONTHLY AMORTIZATION FACTOR

(under HDMF Circular No. 310)

per P1,000 LOAN

1,000.00

Interest Rate per Preferred Fixing Period

TERM OF
LOAN

3-year

5-year

10-year

15-year

30-year

(in years)

7.985%

8.985%

10.000%

10.75%

12.25%

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

86.98149
45.22045
31.32945
24.40588
20.26922
17.52592
15.57874
14.12906
13.01094
12.12483
11.40737
10.81630
10.32237
9.90467
9.54786
9.24045
8.97363
8.74056
8.53581
8.35507

87.44452
45.67786
31.79275
24.87792
20.75108
18.01809
16.08147
14.64242
13.53496
12.65946
11.95252
11.37186
10.88820
10.48061
10.13374
9.83609
9.57882
9.35508
9.15946
8.98761

87.91589
46.14493
32.26719
25.36258
21.24704
18.52584
16.60118
15.17416
14.07869
13.21507
12.51988
11.95078
11.47848
11.08203
10.74605
10.45902
10.21210
9.99844
9.81259
9.65022

88.26509
46.49185
32.62045
25.72428
21.61795
18.90628
16.99127
15.57390
14.48801
13.63387
12.94799
12.38804
11.92469
11.53696
11.20948
10.93070
10.69178
10.48585
10.30747
10.15229

88.96578
47.19031
33.33384
26.45675
22.37099
19.68044
17.78671
16.39051
15.32555
14.49199
13.82626
13.28597
12.84173
12.47254
12.16299
11.90150
11.67923
11.48927
11.32620
11.18565

21
22
23
24
25
26
27
28
29
30

8.19482
8.05220
7.92482
7.81072
7.70823
7.61594
7.53265
7.45733
7.38910
7.32719

8.83603
8.70184
8.58265
8.47649
8.38169
8.29685
8.22076
8.15240
8.09088
8.03544

9.50780
9.38246
9.27182
9.17389
9.08701
9.00977
8.94098
8.87960
8.82477
8.77572

10.01679
9.89810
9.79382
9.70199
9.62093
9.54924
9.48574
9.42940
9.37934
9.33481

11.06410
10.95869
10.86704
10.78717
10.71744
10.65646
10.60305
10.55621
10.51510
10.47896