Guide on SSS House Renovation Loan Requirements 2025 for Application
SSS HOUSE RENOVATION LOAN REQUIREMENTS 2025 – Locally-employed members of the Social Security System must comply and submit these documents.
Millions of Filipinos are members of the Social Security System or more popularly called as SSS. It is a state-run social insurance giant in the country which has a lot of offers that are exclusive for its members. Individuals who are employed in the private sector are mandated to maintain an SSS membership to widen their resources.
The Social Security System got benefits and loan offers. In times of natural disasters, aside from the SSS Calamity Loan offer, the social insurance giant also has the SSS House Renovation Loan that you can turn to in case a calamity has caused damages on your residential proprty.
Undeniably, the SSS House Renovation Loan is not as popular as the other loan offers of the social insurance giant. It was crafted to provide assistance for qualified members in doing minor and major house repairs and improvements. You may turn to it to 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.
The Social Security System opened the SSS House Renovation Loan for both salaried and non-salaried members. Here are the qualifications set by the state-run entity under its loan 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
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
Please note that the SS House Renovation Loan requirements for application also includes collateral documents of the property that will be repaired or improved. Here are the other documents that you will need:
- 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 case the space that you wish to improve or repair is a condominium unit, SSS requires the following documents for submission 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
Aside from the Calamity and Housing loans, the Social Security System also offers a multi-purpose SSS Cash Loan to qualified members.