Guide on SSS Housing Loan Requirements 2026 for Application
SSS HOUSING LOAN REQUIREMENTS 2026 – If you are a locally-employed member of the Social Security System, here are the required documents in applying for the loan offer.
One of the state-run entities in the Philippines with a multi-million member populace is the Social Security System or more popularly known as the SSS. Filipinos who are working in the private sector are required to maintain an active membership to the social insurance giant.
The main reason why an active SSS membership is advised among the local employees as well as the self-employed Filipinos is that a membership to the social insurance giant can be a safety net. It has several offers that can widen your option like the SSS Calamity Loan when a natural disaster has inevitably struck your place. It is also has the Housing Loan offer.
The SSS Housing Loan offer is designed to finance the major house repairs and improvements of the qualified members. You may apply for it o finance the repair of dilapidated and structurally unsafe housing units, installation of deep well and motor pump, construction of concrete fence and steel gate, etc.
Who are qualified to apply for the offer? Before checking on the SSS Housing Loan requirements, it is important to know that there are varying requirements and qualifications among the salaried and non-salaried members of the social insurance giant. If you are locally-employed, you need to meet the following eligibility criteria to qualify for the offer:
- 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
With regards to the SSS Housing Loan requirements for application, here are the documents required among the locally-employed members of 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 Housing Loan requirements include collateral documents. 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
The SSS accepts the repair or renovation of condominium units under the loan offer. In this case, you need to prepare the following:
- 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 insurance giant also has the SSS Cash Loan for both salaried and non-salaried members.