Commercial Property Loan Calculator Philippines
Estimate the monthly payment, total interest, and equity you need on a Philippine commercial property loan. Defaults follow local bank practice: 70 to 80 percent loan-to-value over 10 to 20 years.
Banks lend against their own appraisal, not your agreed price. A low appraisal increases the cash you bring.
Commercial terms here usually run 10 to 20 years, shorter than a housing loan, which raises the monthly payment at the same rate.
Principal and interest only. Insurance, real property tax, and association dues are separate and continue whether or not the unit is occupied.
A working estimate for capital gains or creditable withholding tax, documentary stamp tax, local transfer tax, and registration. The split between buyer and seller is negotiable and belongs in the deed, so confirm the actual treatment with a tax adviser.
Estimates only, not a loan offer. Banks price commercial deals individually, so get quotes from two or three.
What banks actually lend
Philippine banks commonly finance 70 to 80 percent of appraised value on commercial property, so plan for 20 to 30 percent equity plus closing costs. The appraisal, not your agreed price, sets the loan, and a low appraisal comes straight out of your pocket.
Why the term matters as much as the rate
Commercial terms run 10 to 20 years rather than the 25 or 30 common on housing loans. A shorter term raises the payment at the same rate, which is why a deal that looks affordable at housing loan assumptions often is not.
Cash flow is not the whole return
A large share of each payment repays principal, which is equity you keep rather than money spent. If the property yields less than your interest rate, cash flow turns negative while your equity still grows. Run the cap rate first, then decide how much debt makes sense.
Every listing on CommRey shows its price, floor area, and exact map location, so you can bring real figures back to this calculator.
Browse propertiesRead the guide behind the maths
What each number means, and what changes it.
