Property Risk Calculator
Enter your finances and the property details. Numbers update live as you type.
Personal Finance (monthly)
₱
₱
₱
₱
₱
Property Details
₱
Loan Details
%
years
% p.a.
Monthly Costs
₱
₱
₱
₱
Investment Inputs
₱
%
%
%
Verdict
Financial Trap
Risk score: 87/100
5-yr equity
₱2,614,791
Monthly amortization
₱29,001
Cash flow / mo
-₱14,051
Cap rate
4.0%
Debt-to-income
51.9%
Total interest
₱3,360,325
Required income
₱121,838
10-Year Projection
AI Insights
Housing cost is 46% of your income
Banks consider this overleveraged. A salary cut, illness, or rate hike could push you into default.
You'll pay ₱3.4M in total interest
Spread across 20 years at 7.5% annual rate.
Rental income does not fully cover amortization
After 10% vacancy, you collect ₱22500/mo vs ₱29001 amortization. You'll subsidize the property out of pocket.
Cap rate of 4.0% underperforms Pag-IBIG MP2
Pag-IBIG MP2 has historically returned 6–7% with zero risk. Consider whether the appreciation upside justifies the risk.
Emergency fund covers only 5.5 months
Best practice is 6–12 months of total housing cost. A short fund turns minor setbacks into foreclosure risk.
What-if Simulator
Premium
Interest rate adjustment
+0.00 pts
Effective: 7.50%
Rent income
+0%
Effective: ₱25,000/mo
Vacancy rate
10%
Effective: 10% vacancy
Annual appreciation
5%
Effective: 5.00% per year
Base case
Financial Trap
Monthly amort.₱29,001
Cash flow / mo-₱14,051
Cap rate4.0%
5-yr equity₱2,614,791
Risk score87/100
Scenario
Financial Trap
Monthly amort.₱29,001
Cash flow / mo-₱14,051
Cap rate4.0%
5-yr equity₱2,614,791
Risk score87/100