Guide on GSIS Pension Loan Computation 2025 for Pensioners
GSIS PENSION LOAN MAXIMUM AMOUNT 2026 – For pensioners aged between 65 to 69, here is a guide on the loanable amounts under the offer of the Government Service Insurance System.
A lot of Filipino families have at least one (1) member who is a pensioner of the Government Service Insurance System or more commonly called GSIS. The membership to the social insurance giant is mandated among the government employees, thus, it has a multi-million membership populace.
The membership to the Government Service Insurance System is mandated among the government employees in the pursuit of widening their options not only during their senior years but most especially during the unwanted but inevitable situations. It has several benefit and loan offers for the members of the social insurance giant.
With regards to the loan offers of the Government Service Insurance System, aside from the GSIS Emergency Loan offer, the social insurance giant also has the GSIS Pension Loan. It is something that the pensioners may turn to aside from their monthly pension.
The Pension Loan offer is something that the pensioners may turn to in times of need for extra cash just like medical emergencies which may not be covered by the monthly pension. Below, you can check the qualifications set by the social insurance giant as well as the GSIS Pension Loan maximum amount loanable for the member-pensioners.
Here are the qualifications set by the Government Service Insurance System under the Pension Loan offer:
- pensioners under RA 660, PD 1146, or RA 8291 with no outstanding service loans being amortized under the Choice of Loan Amortization Schedule for Pensioners (CLASP) at the time of filing
- must be receiving a regular monthly pension for at least one month
- must have no existing service loans under the Choice of Loan Amortization Schedule for Pensioners (CLASP) or the GSIS Program of Restructuring and Repayment of Debts (PRRD)
- with a resulting net monthly pension after the loan deduction must be at least 25% of your Basic Monthly Pension (BMP)
How much is the GSIS Pension Loan Maximum Amount Loanable this 2026 for Pensioners Aged 65-59?
The GSIS Pension Loan maximum amount that is loanable by a member depends on his/her age and Basic Monthly Pension or the BMP. If the pensioner is aged between 60 to 64, your GSIS Pension Loan computation is up to four (4) times of your BMP not exceeding to Php 60,000.
For example, if your BMP is Php 20,000, the member-pensioner’s GSIS Pension Loan maximum amount loanable amount is Php 60,000 — since Php 80,000 is not allowed under the offer.
How much is the interest rate under the offer?
The social insurance giant implements a 10% interest rate on the Pension Loan offer. The interest rate is computed in advance.
What is the process of the repayment of the amount borrowed?
The Government Service Insurance System deducts the monthly due from the monthly pension. The loan is payable to the GSIS for up to 24 months.
If you are interested to apply for the loan offer, you may check out the GSIS Pension Loan Requirements 2026 & Qualifications.