Guide on SSS Pension Loan Amount & Interest Rate 2025 for Qualified Members
SSS PENSION LOAN AMOUNT 2025 – You can check here the loanable amounts and the interest rate under the offer of the Social Security System for retired members.
The Social Security System, one of the biggest social insurance institutions in the Philippines, has millions of members. Its member populace is composed not only of Filipinos residing in the country but as well as Pinoys in abroad.
A huge part of the SSS member populace is composed of retirees. Aside from the SSS benefits that the retired members of the social insurance giant may avail, there is also a loan that is exclusive for the retired members of the social insurance giant — the SSS Pension Loan.
The SSS Pension Loan was designed to help meet the financial needs of the retired members of the social insurance giant. It is open for the retired members of the SSS who are eighty-five (85) years of age or below at the end of the month of loan term.
How much is the loanable amount under the loan offer? We will discuss comprehensively the SSS Pension Loan amount allowed for borrowing below as well as the interest rate and the other loan terms.
According to the Social Security System, the SSS Pension Loan amount allowed for borrowing by the retired members is “based on the Basic Monthly Pension (BMP) plus the ₱1,000 additional benefit”. The maximum borrowing amount is P200,000.00 and the pensioner-borrower may choose from the following:
| Loanable Amount | Repayment Term |
| 3 x (BMP + ₱1,000 additional benefit) | 6 months |
| 6 x (BMP + ₱1,000 additional benefit) | 12 months |
| 9 x (BMP + ₱1,000 additional benefit) | 24 months |
| 12 x (BMP + ₱1,000 additional benefit) |
With regards to the interest rate, the amount borrowed under the SSS Pension Loan is subject to a 10% per annum interest rate. It will be computed on a diminishing principal balance until fully paid.
On repaying the amount borrowed, the monthly due will be deducted from the monthly pension. The first monthly will be deducted on the second month after the loan was granted.
There are a few eligibility requirements in applying for the SSS Pension Loan and the loan application can be done online.