Guide on SSS Housing Loan 2026 Offer for Members
SSS HOUSING LOAN 2026 – You can check here the features of the loan offer of the Social Security System Housing Loan offer and its application.
Are you a member of the Social Security System and you are in need of additional cash to get your house repaired or improved? The social insurance giant actually has a loan offer that fits your need.
Aside from the different SSS benefits that members of the social insurance giant may avail, the Social Security System also has several loan offers. One of its offers is the SSS Housing Loan that was crafted to help the qualified members who wants to do some house repairs or home improvements.
The SSS Housing Loan was specifically designed to finance major house repair or home improvement intents. The loan application purposes that are covered under the loan offer includes the following:
- repair of dilapidated and structurally unsafe housing units
- extension or expansion and enhancement of economic and aesthetic value of an existing housing unit. Said improvements shall be permanently attached to the house.
- completion of an occupied bare house.
- construction of concrete fence and steel gate.
- installation of deep well and motor pump.
The Social Security System has opened its loan offer for both salaried and non-salaried members who have posted at least thirty-six (36) months contributions and twenty-four (24) continuous contributions in the period prior to application. The member-borrower should not be older than 60 years old at the time of the loan application.
Furthermore, the member-borrower must also not be a recipient of a final benefit offered by the Social Security System. The social insurance giants accepts “Transfer Certificate of Title/Original Certificate of Title/Condominium Certificate Title (TCT/OCT/CCT) registered under the Torrens System issued by the Registry of Deeds in the name of the principal borrower and/or his spouse free from liens and encumbrances”.
However, it is important to know that the following collaterals are not qualified under the SSS Housing Loan offer:
- Land type other than residential
- Less than 15 sq. meters floor area, in case of condominium
- Less than 32 sq. meters lot area
- Road right of way is less than 2.0 meters
- Free/Homestead/Misc. Sales Patent Titles
How much is loanable under the Housing Loan offer of the Social Security System? The SSS Housing Loan loanable amount may actually vary as there are factors considered by the state-run entity. It is also best to check the interest rate and the loan terms included in the feature of the borrowing amounts under the offer.
Meanwhile, if you wish to proceed to the application for the SSS loan offer, the requirements depend if you are locally-employed, self-employed, or an overseas Filipino worker (OFW) member of the social insurance giant: