Guide on SSS Housing Loan Requirements 2026 for Application
SSS HOUSING LOAN REQUIREMENTS 2026 – If you are a self-employed member of the Social Security System, here are the required documents for the loan application.
Self-employed individuals who have never worked in the government is not allowed for a membership to the Government Service Insurance System. In this case, they can turn to the Social Security System which is another social insurance giant in the country.
More popularly called as SSS, the social insurance giant has several offers for its members. It has benefit and loan offers that were designed to provide an access to cash for the qualified members in different situations.
Aside from the SSS Calamity Loan offer of the Social Security System, the state-run entity also has the SSS Housing Loan offer that is ready to help the qualified members in the repair or improvement of their homes. A lot of SSS members are undeniably unaware of this offer.
The SSS Housing Loan is open not only for members whose homes were damaged by a calamity but even on a normal situation of simply wanting an improvement or a repair. The loan offer can finance major repairs including any of the following:
- extension or expansion and enhancement of economic and aesthetic value of an existing housing unit
- completion of an occupied bare hous
- repair of dilapidated and structurally unsafe housing units.
Like in other loan offers, there are qualifications under it aside from the SSS Housing Loan requirements for application. If you are a self-employed member of the social insurance giant, here are the qualifications that you should meet to be eligible to apply:
- 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 a self-employed member of the Social Security System, here are the personal documents that you need to prepare and submit to the social insurance giant in applying for the loan offer:
- 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)
Of course, there are SSS Housing Loan requirements for application. To apply, you need to prepare the following documents for submission to the social insurance giant:
- 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 may also fund the repair or improvement of a condominium unit. In this case, there is a specific list of SSS Housing Loan requirements which are as follows:
- 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
For a multi-purpose loan offer, the social insurance giant also has the SSS Cash Loan.