Guide on SSS House Repair Loan Requirements 2025 for Application
SSS HOUSE REPAIR LOAN REQUIREMENTS 2025 – Locally-employed members of the Social Security System need to submit the following documents to apply.
Many Filipinos have worked tirelessly not only to provide food on their tables but as well as to ensure some preparations for the future and the unexpected circumstances. One of the best preparations against these unforeseen situations is an active membership to social insurance entity — like the Social Security System.
Millions of Filipinos are members of the SSS as they work in the private sector. The state-run social insurance giant has also opened its membership for the overseas Filipino workers, the household helpers, the self-employed individuals, and those who want to make a voluntary membership to the state entity.
The Social Security System got multiple loan offers that members may turn to in different circumstances. In times of natural disasters, members may turn to the SSS Calamity Loan offer. If your house needs some repair, you may turn to the Housing Loan or also called as the SSS House Repair Loan.
Undeniably, many members of the Social Security System are unaware about the SSS House Repair Loan. Under the offer, both major and minor house repairs which include the repair of dilapidated and structurally unsafe housing units, installation of deep well and motor pump, and construction of concrete fence and steel gate may be financed.
The SSS House Repair Loan is open for both employed and self-employed members of the social insurance giant. If you are a locally-employed member of the state entity, to qualify for the loan offer, you need to meet the following eligibility criteria:
- member of SSS who has at least thirty-six (36) months contributions and twenty-four (24) continuous contributions in the period prior to application
- not more than sixty (60) years old at the time of application
- not previously granted a repair and/or improvement loan by the SSS or NHMFC
- not been granted final SSS benefits
- borrower and spouse is updated in the payment of their other SSS loan(s), if any
There are a few SSS House Repair Loan requirements that you need to prepare in applying for the offer. Here are the documents that locally-employed members of the social insurance giant should submit to apply for the loan offer:
If you are employed and you want to apply for the SS House Renovation Loan offer, here are the documents that you need to prepare and submit to the social insurance giant:
- duly-accomplished SSS Housing Loan Application Form for Direct House Repair and/or Improvement Loan (2 copies)
- SS ID Cards of the principal applicant and his/her spouse, if applicable
- latest Income Tax Return (original and photocopy for authentication)
- Certification of Employment and Compensation duly signed by the employer’s SSS authorized signatory (original copy
- payslips
The SSS House Repair Loan requirements includes collateral documents or the documents pertaining to the property. You need to prepare and submit the following:
- Building or Renovation Permit issued/approved by the Building Official with Locational Clearance, Electrical Permit, Sanitary/Plumbing Permit and corresponding official receipts of payments (original and one (1) photocopy
- Certified true copy of the Original/Transfer/Condominium Certificate of Title (OCT/TCT/CCT) issued by the Registry of Deeds together with owner’s duplicate copy*
- latest Tax Declaration of Real Property (land and building) with the Official Receipt of Realty Tax Payment (original and one (1) photocopy)
- Lot/Location Plan prepared, signed & sealed by a licensed geodetic engineer with the following:
- sketch of the lot with description of its boundaries
- lengths and bearings of the tie line and sides of the lot
- vicinity map w/ landmarks, street pattern, street names and lot distance as reckoned/based from the lot to the nearest street intersection (2 copies)
- Consolidation-subdivision plan approved by the Land Registration Authority or Bureau of Lands/DENR-NCR (15” x 20” size; primary document) (1 copy)
- complete set of building plan
- specifications and Bill of Materials & Labor must be signed & sealed by a licensed civil engineer or architect with owner’s conformity
- scope of Works showing list/itemized works to be done according to priority, prepared and signed by owner, civil engineer or architect. (original and one (1) photocopy)
- pictures of existing collateral; the existing house and lot
- 1st – Front and one side
- 2nd – Rear and other side
- 3rd – Kitchen counter
- 4th – Toilet and Bath Pictures
In the case of condominium units for repair or improvement, the SSS requires the following documents for application:
- Floor plan of the specific condominium unit, scaled with size dimensions (20” x 30” size, blue/whiteprint copy) signed & sealed by licensed architect or civil engineer
- First page of the condominium building plans showing the site development plan, vicinity map, etc., as approved by the Building Official
- Architectural Plans showing the plan of the specific floor where the unit is located; Floor plan should be scaled with size dimensions
The Social Security System also has the Salary Loan offer or also called the SSS Cash Loan if you need cash for other purposes aside from repairing a house.