Guide on SSS House Repair Loan Requirements 2025 for Application
SSS HOUSE REPAIR LOAN REQUIREMENTS 2025 – Self-employed members of the Social Security System need to submit the following documents to apply.
Are you one of the millions of Filipinos who are members of the Social Security System? More popularly called SSS, it is a loan-providing social insurance giant in the Philippines. It has helped countless Filipinos in different situations — in times of unemployment, calamities, and disability among others.
Every year, the Philippines is hit by several typhoons. The recent typhoon Tino and super typhoon Uwan have brought huge devastation in several regions across the nation. Loss of lives were recorded and many families were left with damaged homes. In the case of the members of the Social Security System, you may turn to the SSS House Repair Loan.
The SSS House Repair Loan is another loan offer of the state entity aside from the SSS Calamity Loan and the SSS Salary Loan. Also called the Housing Loan offer, the House Repair Loan was designed to finance the minor and major house repairs of qualified members.
The SSS House Repair Loan is open not only to finance the repair of houses damaged by the calamities but even due to other reasons. It can finance several purposes including the extension or expansion and enhancement of economic and aesthetic value of an existing housing unit, the completion of an occupied bare house, and the repair of dilapidated and structurally unsafe housing units.
The said SSS loan offer is open not only for the employed members of the social insurance giant but as well as the self-employed ones. For a self-employed member to qualify for the SSS House Repair Loan, he/she should meet the following eligibility requirements:
- 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
There is a specific list of SSS House Repair Loan requirements for self-employed members who want to apply for the loan offer. You need to prepare and submit the following documents:
- 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
- Income Tax Returns and Financial Statements for the last three (3) years (original and one photocopy)
The SSS House Repair Loan requirements include documents that pertain to the property that will be repaired. The SSS member-borrower should prepare and submit the following, too:
- 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 Social Security System is ready to finance a repair of a condominium unit. If you are a self-employed member who owns a condo unit, you need to prepare and submit the following as part of the SSS House Repair Loan requirements that you need to submit to the SSS:
- 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
As mentioned, the social insurance giant also has the Salary Loan offer or also called the SSS Cash Loan.