Guide on GSIS MPL Flex Loan Interest Rate 2025 Members Should Know
GSIS MPL FLEX LOAN INTEREST RATE 2025 – Here is a guide on the interest rates that the Government Service Insurance System implements under the Multipurpose Loan Flex offer.
Are you a member of the Government Service Insurance System or more popularly called GSIS? It is important to know that the social insurance giant has greatly expanded its loan offers and some of the newest offers may exactly be the solution that you are looking for.
Many Filipinos are members of the Government Service Insurance System. A GSIS membership is mandated by the government among the government employees for the widening of their options with the GSIS benefits and loan offers. One of the excellent loan offer of the state entity is the GSIS Multipurpose Loan Flex or also called the MPL Flex.
The major advantage that the MPL Flex provides that many other loan offers of the social insurance giant don’t have is that it is accessible even for members who have posted only one (1) monthly contribution.
The GSIS Multipurpose Loan Flex offer can provide for a member-borrower’s multiple cash needs under a single loan offer, thus, you can save from multiple interest. It consolidates the member’s existing loans and the excess cash can be used for other purposes.
How much is the GSIS MPL Flex loan interest rate? According to the social insurance giant, it varies depending if you are a Permanent Regular Member or a Non-Career Regular Member.
For Permanent Regular Members, here is a guide on the GSIS MPL Flex Loan interest rate based on the PPP:
| PPP | GSIS MPL Flex Interest Rate |
| At least 1 month but less than 20 mos. | 7% |
| At least 20 mos. but less than 3 years | 7% |
| At least 3 years but less than 10 years | 6% |
| At least 10 years and over | 6% |
For Non-Career Regular Members, here are the GSIS MPL Flex Loan interest rate provided by the Government Service Insurance System:
| PPP | GSIS MPL Flex Interest Rate |
| At least 20 mos. but less than 3 years | 7% |
| At least 3 years but less than 10 years | 6% |
| At least 10 years and over | 6% |
According to the Government Service Insurance System, first-time borrowers under the MPL Flex are entitled to a one-time waiver on the outstanding charges on due and demandable GSIS loan accounts. The following loans may be consolidated under the offer:
- Emergency Loan unpaid for 6 months or less or in-default
- GSIS Financial Assistance Loan (GFAL) in-arrears
- Salary Loan (SL)
- Restructured Salary Loan (RSL)
- Enhanced Salary Loan (ESL)
- Emergency Loan Assistance (ELA)
- Summer One-Month Salary Loan (SOS)
- Conso-Loan Plus / Enhanced Conso-Loan Plus
- Member’s Cash Advance / eCard Cash Advance / eCard Plus Cash Advance
- Home Emergency Loan Program (HELP)
- Educational Assistance Loan I and II (EAL I / II)
- Fly PAL, Pay Later (FPPL)
- Study Now, Pay Later (SNPL)
- Stock Purchase Loan (SPL)
In applying for the offer, there are GSIS MPL Flex requirements 2025 that you should prepare.