Guide on SSS Housing Loan Requirements 2026 for Application
SSS HOUSING LOAN REQUIREMENTS 2026 – If you are an overseas Filipino worker (OFW) member of the Social Security System, here are the required documents for the loan application.
Are you one of the overseas Filipino worker members of the Social Security System? Truth be told that another way to safeguard your future if you are working abroad is to maintain an active membership in the social insurance giant. It will not only guarantee your Retirement Benefit but as well as a wide list of options in different situations.
Even if you earn big abroad, it is really an advantage to maintain an active account with SSS to ensure an option in times of sickness, calamity, disability, and many other situations. In fact, even in times of simply wanting a house repair or improvement, you may turn to the social insurance giant.
The loan offers of the Social Security System does not only include the SSS Calamity Loan offer but as well as the SSS Housing Loan. It can finance the renovation or repair of your house which may include major purposes.
In fact, while the Housing Loan offer is not as popular as the Salary Loan offer of the state-run entity, it is ready to finance major purposes like the following:
- construction of concrete fence and steel gate
- installation of deep well and motor pump
- extension or expansion and enhancement of economic and aesthetic value of an existing housing unit among others.
With regards to the qualifications in applying for the loan offer, OFW members of the Social Security System who wish to apply for the loan offer should meet the following eligibility criteria before heading to the submission of the SSS Housing Loan 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 short list of SSS Housing Loan requirements for application. If you are an OFW member of the social insurance giant, here are the personal documents that you need to prepare and submit:
- 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
- Contract of Employment and Certification of Employment and Compensation duly authenticated by the Philippine Consulate or SSS Foreign Representative
The loan provider also included collateral documents in the list of the SSS Housing Loan requirements for application. The following collateral documents should be prepared and their copies should be submitted for the loan application:
- 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 SSS is ready to finance the improvement or repair of a condominium unit. In this case, you need to prepare the following:
- 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
The Social Security System has the Salary Loan offer or also called the SSS Cash Loan.