Pag-IBIG Foreclosed Property ROI Calculator

Calculate potential rental yield and flipping returns for Pag-IBIG Acquired Assets.

Investment Details

Discounted Purchase Price (PHP)

Estimated Repair / Renovation Cost (PHP)

Foreclosures are bought "As-Is, Where-Is". Expect repairs.

Expected Monthly Rent (PHP)

Expected Resale / Flipping Price (PHP)

ROI Projections

Total Capital Needed₱1,200,000.00

Strategy 1: Buy and Hold (Rental)

Annual Rent Income₱144,000.00

Gross Rental Yield12.00%

Strategy 2: Fix and Flip

Selling Price₱1,800,000.00

Capital Gains Tax (6%)- ₱108,000.00

Broker's Fee (5%)- ₱90,000.00

Net Profit₱402,000.00

Flipping ROI33.50%

Analyzing Pag-IBIG Acquired Assets

Pag-IBIG foreclosed properties offer great opportunities for investors, but you must factor in the "hidden costs" of real estate investing in the Philippines.

"As-Is, Where-Is": Pag-IBIG sells properties in their current physical condition. Always inspect the property with a contractor to estimate repair costs accurately.
Rental Yield Target: In the Philippines, a good gross rental yield is generally between 6% to 8%. If your yield is below 5%, it might be better to flip it or put the money in Pag-IBIG MP2 instead.
Flipping Taxes: When you sell a property, you are legally required to pay a 6% Capital Gains Tax (CGT) based on the Gross Selling Price or Zonal Value (whichever is higher). You also typically pay a 5% commission to a licensed real estate broker.