Guide on SSS Loans 2026 for Members & the Application Process
SSS LOANS 2026 – Here are the loan offers of the Social Security System and the excellent features for the members of the social insurance giant.
A huge part of the Filipino populace is composed of individuals who are members of the Social Security System. More popularly called SSS, it is a social insurance giant that has several benefit and loan offers for its qualified members.
The SSS member populace includes not only locally-employed individuals who are working in the private sector but as well as self-employed individuals, overseas Filipino workers (OFWs), household helpers, and voluntary members.
Here are the SSS loans that the members of the social insurance giant may apply for:
SSS Cash Loan
The multi-purpose cash loan offer of the Social Security System is the SSS Salary Loan or also called as the SSS cash loan offer. A member may apply for it to make a personal purchase, to get your car repaired, to travel, to expand your business, etc.
Who are qualified to apply for the Salary Loan offer? Here are the qualifications set by the social insurance giant under the offer:
- member-borrower must have posted at least thirty-six (36) posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application
- employer of the employed member-borrower must be updated in the payment of contributions and loan remittances
- be under sixty-five (65) years of age at the time of application for loan
- have not been granted any final benefit
- have not been disqualified due to fraud committed against the SSS
SSS Housing Loan
While it is not popular, also one of the SSS loans that members may apply for is the Housing Loan. It was designed to finance minor and major house repairs and home improvement purposes. It can fund major repairs, particularly for dilapidated and structurally unsafe housing units.
A member of the Social Security System may also apply for the loan offer to fund any of the following:
- Improvements which shall apply to:
- completion of an occupied bare house
- extension or expansion and enhancement of economic and aesthetic value of an existing housing unit. Said improvements shall be permanently attached to the house
- installation of deep well and motor pump
- construction of concrete fence and steel gate
Here are the qualifications under the Housing Loan offer of the Social Security System:
- 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
SSS Calamity Loan
In times of natural disasters. members of the Social Security System who are living in areas declared under a State of Calamity may apply for the SSS Calamity Loan offer. It is one of the SSS loans that have helped countless Filipinos already.
The Calamity Loan offer requires a member to have posted at least thirty-six (36) monthly contributions, six (6) of which should be posted within the last twelve (12) months prior to the month of filing of application to qualify for the loan.
Aside from the loan offers, the Social Security System also has several benefits for the SSS members.