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What is SSS Salary Loan and Who May Qualify?how to loan

Time: 2010-12-05 11:49 Author: admin Click:
A salary loan is actually a short term loan offered to SSS members by the Philippine Social Security System to meet any immediate need for cash by any SSS member. The next question would probably be who can qualify to make an SSS loan? So f

A salary loan is actually a short term loan offered to SSS members by the Philippine Social Security System to meet any immediate need for cash by any SSS member. The next question would probably be who can qualify to make an SSS loan? So far, in the SSS website, there are basically 5 pointers with which any member may qualify for a salary loan. Please read below.

What is SSS Salary Loan and Who May Qualify?how to loan,Who Is Qualified to Make a Loan? (


1. An employed, currently paying self-employed or voluntary member (SE/VM) who has 6 posted monthly contributions for the last 12 months prior to the month of filing of application.

For one-month loan, the member-borrower must have 36 posted monthly contributions prior to the month of filing of application.

For a two-month loan, the member-borrower must have 72 posted monthly contributions prior to the month of filing of application.

2. If the member-borrower is employed, the employer must be updated in contributions and loan remittances.

3. The member-borrower must be updated-current in the payment of other member loans, which include educational, stock investment, MADE & housing loans granted under the Unified Housing Loan program (UHLP) or direct from SSS.

4. The member-borrower has not been granted final benefit (total permanent disability, retirement and death).

5. The member-borrower has not been disqualified due to fraud committed against the SSS.


@ Maricar, if you passed all 5 requirements mentioned above, I believe so that you are qualified to apply and get your SSS loan. If you were able to pay at least 36 SSS remittance payments to the SSS in the past and you have no other existing loans or outstanding balances, then that makes you legible for the loan.

@Josan, you can only be blocked from the SSS online inquiry if you repeatedly tried to access your account entering the wrong username password combination. However, I am not implying that you made this mistake but there is little or no chance at all that your account could get blocked if you did nothing wrong in the process of logging in. All I can suggest to you however is to fill up a forhow to loan in sssm of request of new SSS password. This might take time but this is the standard process that nobody is spared of when instances like this happen.

Hi,gd day im member of sss since 1997,i want to apply loan as a salary loan,im working here in cyprus more thean 4 years,f possible can u send me some informattion on how to avail loan?even im here in abroad?

Will you please send me a feed back if if the account of Mrs. Delfina Pedrasa is still receiving her monthly pension?, Becuase she was past away already 3 or 4 months from now?..

Hello all,

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Ask q lang po sana, gusto ko sanang ipa activate ang membership ko sa SSS, kaya lang po ay nakalimutan ko na ang SSS number ko Pano ko po ba mala****n ang SSS number ko? im currently working in Kuwait.

im contributing to sss now for more than a year but not yet in 24 months. can i still avail of the SSS salary loan?

nablock po ung user account login ko sa sss website.. paano po kaya marerecover un? e2 pong id number ko…0416532340,,, gusto ko po kzng ma****n kung ilan na ung contributions ko… kindly mail to me….. tnx.. jaybee_frane@yahoo.com

Why PNB didn’t encash my SSS Check worth 12,000, the approving officer said that they will only encash SSS check amount below 10K…Why it happen?

I’m looking at your downloadable forms but I can’t see the SE/VM form. I am a Voluntary member for almost 3 years now and wanted to have a Salary Loan. Thanks.

I also experience that my SSS loan check was not accepted by PNB. In the SSS check it was clearly displayed that SSS check is accepted in all PNB Banks.

Hello gud pm. Pls. gusto ko lang ma****n ang sss number BBJ Construction kc kailangan ko sa pag sa sign in sa sss website.

hi!pwedi ko pa kayang ma-retrieve ang sss number ko?16 t0 17 years ago na kasi yun..tapos nag-abroad na ako.thanks for helping..

Pwedeng pwede po hulugan ulit ang account as long as you still have the SSS number or if you kept a copy of the number pero kung talagang retrieval po, you can ask the sss admin.

I resigned from my previous employer on March 2010. Now I’m with a new employer and my status with them currently is trainee. More than 40 months na ang contribution q and the latest posted month was for January 2010. Pwede na kaya aq mag-apply ng salary loan? Please helppppp….wala pa aqng na-avail kahit isang benefit, first time ko rin mag-apply ng loan if ever I am qualified.

Can I file a salary loan if I just declared my status change from single to married?If it’s possible,what type of id card will I have to submit?Does it have to include my married last name or my maiden name?thanks.

please reply asap.thank you.please include all the information that I need to know including the reiquirements.as an addition,my status with my employer is married.


I’m currently unemployed and would like to start a small home business of my own. Am i qualified to get SSS loan?

I’ve been giving contribution to SSS since 2006.

Magkano po ang pwede ma loan kung firt time mo lang magloloan? salary loan po ito.equivalent ba xa sa 1 month salary? say my basic is 30k how much yung pwede ko maloan? Please advise.

gud day!!! ask ko lang po kung paano po ako uli makakapag loan,kasi po almost 9 years ko na pong hindi nakakahulog.dati po akong OFW.sa ngayon po nandito po ako sa pilipinas…

ano po ba ang mga dapat kun gawin para makapagloan uli at ilang months po ang require para makapagloan ako uli.willing naman po ako na ituloy yung hulog ko,kaya lang po baka self employed na lang po.

hi, ask ko lng po kung pwede na ba akong mag loan ulit sa SSS, nag avail po ako ng SSS loan condonation last October 2009. i’m an active member, i have 74 contributions as of April 2010..thanks.

Kung kayo po ay fully paid na sa inyong SSS loan at wala na kayong balance after availing of the SSS condonation program ay pwede na po kayo mag apply ulit ng loan sa Social Security System (SSS). Sa****t sa pagbisita.

hello po ask ko lang po kasi nakapagloan na me ng salary loan first time,tapus di ko po nabayaran and my question is naooffset po ba ang bayad ko sa salary loan ko thru my contribution po.?kasi kung hindi po balak ko po bayaran nalang ng buo ung loan amount ko before para sana makaloan me ulet 2nd time at tanong ko po.magkano na po maloan pag second time kung 1,500 monthly contribution at tuloy pa rin ang pagcontribute ko po.thanks and god bless,hoping to hea fron you soon

ask ko lang po. 3 years na po nkkraan d pa po ako kinakaltasan ng sss slary loan ko. nagpasa nman nko ng voucher sa ofis nmin kya lng d pa po ako kinakaltasan gang ngun. ano po kya ms maganda ko gwin? tnx po……..


Tumutubo po ang SSS salary loan. Kung 3 years na po na hindi kayo naghuhulog or kinakaltasan ng monthly amortization, ma****ng na nag incurr na po ng malaking interest ang loan ninyo. Ang pinakamabuting gawin po ninyo sa ganitong kaso ay kayo na po ang mismong pumunta sa SSS upang itanong kung magkano ang dapat nyong bayaran monthly at kayo na din po ang maghulog sa any SSS accredited banks ng inyong loan payment. Tandaan na lumalaki ang tubo ng loan na ito habang hindi binabayaran.


I’m an inactive SSS member and currently working as OFW. Do I need to pay all past contributions before I can avail loan programme? How long is the processing take place before day of release?


panu po ba magvoluntary contribution sa sss?gusto ko po kc magloan at anu mga kelangang requirements?thank you po pls.reply

Our company require us that 50% of our net pay must be intact in our payslip after deduction before they allowed us to make a loan. it is legal?

hi! ask ko lang po if sino ang mas mai-prioritize in applying a housing-loan? Are those who are self-employed or ofw members? and how many years to pay for the housing loan if i want to apply for it?

Hi. I applied for a salary loan about two weeks ago. I just want to know the timeframe for processing such claim. I checked my account this morning and it says that I have an active loan and the renewal date is on November 2012. Does this mean that my salary loan will be credited on November of this year? If so, why does it take 3 months to process?

Hello! I have over 100 contributions in SSS but were able to stop for sometime ,I was unemployed,but right now I started a business,would I be able to avail the business loan of SSS?Thank you.


May I ask how to have a housing loan? I am self employed member of SSS. My monthly contribution is 416. How much is the loanable amount? Thank you.

hi! 3ys and 2 months n po ako nghulog sss but upon checking for my contribution 34 p lng ang ng post and huling hulong ng bgo ko n company was march and active p rn ako s company n un.pwede n b ako mg avail ng salary loan since september n ngayun.

Can i pay my monthly amortization for my salary loan in the bank directly? is it possible? if so, please inform me the name of the banks. thanks.

He used to work when he was still single (about 20~27) years ago, and as far he still rembered he continuously paid that time at his job tenure until he got married at hindi na po sya nakahulog.

My father is 55 years old now and I wanted to continue his contribution.

Would it be possible for my father to continue his contribution but he already lost his sss#.Please help answering my querries.

I wish from your respective company’s consideration with my request on how I can locate my father SSS#? And he can still continue his contribution?



May Salary Loan restructuring po ba ang SSS? May Loan po ako last 2003 pa po Php 15,000 thousand, Alam ko po na malaki na ang penalties nito. Gusto ko po sanang i-reloan para d po lumaki ng lumaki ang penalties ko. continues naman po ang monthly contribution ko except po ng year 2005 kasi wala po me d2 sa philippines . Please e-mail me at Lam_cyrus@yahoo.com

Thank you so much!

hi. pwede po ba ako magsalary loan khit resign n q sa employer ko. kaso napatigil po ang pagbabayad ko mula mgresign ako. ang balak ko po ipagpatuloy ang payment by dec. ngstop po kasi nitong may 2010

Making wealth is not a matter of chance or sheer luck but is based on both scientific law and sound financial and business principles.

gudday. pwede po bng misis ng OFW ang mg.file ng salary loan niya provided na may papers naman po galing sa kanya? thanks.

hello sss calamba, i just want to ask on how to know if how much na ang nahuhulog ng company na pinagtrabahuhan ko since 2 times pa lang ako ng work as contractual..? then pano din ako mkkpag avail na makapgcontinue na maghulog kahit unemployed or sef employed..?thanks

would like to inquire as to why my sss salary loan application already takes almost a month. what took it so long? our hr department has already furnish my application to sss but unfortunately i haven’t receive any check yet. kindly advise, please send your reply @ leasandra_18@yahoo.com is it true that if u don’t use the sss salary loan, someone might be tried to use it? Just asking. I hope u could do the necessary action for this. Kindly indicate also the sss loan contact no.in your reply. Your immediate response is highly appreciated. Thanks and God bless.

I wanted to file for a loan but my problem is that my previous employer did not pay the contribution for almost 2 years.

I wanted to file a complaint but i dont know where to go and if the process would involve me hiring a lawyer.

I hope you could help.


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