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Determine SSS Salary Loan Loanable Amount

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How does the Social Security System (SSS) really determine the loanable amount that a member can apply for and what are the standard basis if there is for an SSS salary loan? These are just some of the frequently asked questions by a member before they apply for a loan in the SSS. Below are a few pointers based on the standards set by the SSS and may also be found in their official website.

  1. A one-month salary loan is equivalent to the average of the member’s latest 12 monthly credits posted.
  2. A two-month salary loan is equivalent to twice the average of the member’s latest 12 monthly salary credits posted (rounded to the next higher monthly salary credit), but not to exceed P24,000.

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63 Responses to “Determine SSS Salary Loan Loanable Amount”

  • Ma. Theresa Incognito says:

    i am a retrenched worker, can i avail of a salary loan although i haven’t filed a voluntary membership

  • Ma. Theresa Incognito says:

    i’ve worked for almost 19yrs before i was included in the retrenchment program of our company, please inform me about this

  • renato b. alvarez jr says:

    ask q lang po if pwede aq maka avail ng calamity loan kahit kakafully paid q lng ng salary loan q last april 2009 thrue condonation program binaha po kc kami lagpas tao grabe.. sabi po kc after 2yrs. daw po ulit aq makakaavail ng salary loan after q mafully paid ung salary loan q thrue condonation program need q po kc almost 10years napo contributions q sa sss kung updated po ang paghuhulog ng company namin sana po makavail aq ng calamity loan pls reply me tnx……….

  • dinalyn t. ibay says:

    nagloan po ako nung oct. 20 2009,ilang days po bago ma approved yung loan ko po paki email na lang po sakin.thanks

  • dinalyn t. ibay says:

    may sickness separation benefit rin po ako ilang days rin po bago ma approved po.thanks paki email na lang po.

  • nelfa fabillar says:

    tanong q lang po kng magcontinue po me ng sss sa abroad kc po na stop po ung contribution q nong nagwork na po me sa abroad takot namn po me magcontribute sa mga embassy baka po d makarating sa main ng sss sa pilipinas ,ang tanong q po ito

    *ano pong ga2win q kong continue q po 2 for abroad?
    *kailangan q po bang mag fill up ofw sss?
    *kng halimbawa po ma avail q po to ilangs moths po me magcontribute bago me makaloan na housing?
    *magknao namn po ang ontribution ko every month?

    maraming salamat po

  • Dennis Sales says:

    sir i work on January 01 2005 and already had my first loan 2 years ago and during that time i i paid my sss dues without fail,until i resigned last October of 2009 can i qualify for a loan in which i stop my sss payment since then,and how much can i loan in amount.

  • winnie says:

    nagwowork po ako ngaun naka 3years na mahigit ang hulog ko sa sss hindi po ako regular gusto ko sana magloan pero hindi pwede sa company kc ung mga regular lang ang pinapayagan nilang magloan?anu po gagawin ko pwede po bang ako nlang ang magpasa ng loan ko direct sa sss may mga requirements pa po bang kelangan?paki email nlang po sa email ad q tnx@ more power po!

  • emily simeon ortiga says:

    nagforward na po ako ng loan ko sa agency na pinagtrabahoan ko. .ask ko lang po kung approved na ba gawa ng last week of july ko pa yun pinasubmit. . kung meron na po. . san po yon ninyo pinoforward. .salamat po ng marami. . eto sss number ko 06-2431150-2. . .paki email nalang po sa jeus_monhet@yahoo.com

  • henry arnaiz says:

    ask ko lang po bakit kinakaltasan pa rin ako sa niloan ko na salary loan eh! sobra na po yung hinulog ko.finallow up ko na po ito kaso may kaltas pa rin ako sa payslip ko.thanks….

  • joel says:

    tanong lang po… makano po ba makukuha pag unang loan pa lang.. 48 months na po ung contribution ko sa SSS? email me @ joelsantosildes@yahoo.com

    • SSS Philippines says:

      Mr. Joel,
      Ang unang SSS loan po usually ay maliit at habang consistent po kayong nakakbayad sa loan on a regular and updates basis ay you gain trust. Next loan po will be a little bit higher.

      Ngunit sa ngayon po, ang loanable amount po ninyo sa SSS ay naka base sa laki o liit ng salary ninyo kung saan ginagamitan nila ng salary bracket table.

  • reymelyn domingo says:

    hi I would like to inquire if how am i going to pay my salary loan since i am now separated from my previous compay and i am working with a new company now? please reply on my e-mail.

  • Conchita R.Orgino says:

    sir ..I had my first loan 15 years ago and during that time i paid my sss dues without fail,until i resigned last can i qualify for a loan in which i stop my sss payment since then,and how much can i loan in amount.Please email me: gemmeni_gabriel@yahoo.com Thank you.

  • ronie ablaza sallutal says:

    gud day…im working abroad now…i want to pay my total salary loan balance including delinquency interest…can u send me my updated loan balance on my e-mail address? thank you so much…

  • Marlon T. Roseque says:

    gud day,,ask lang po ako kung kailan ko ma receive ang second loan ko ,,nag submit po ako last jan.20 2011 sa sss toledo branch,cebu,,,salamat po,,pls send me n my email add…

  • raffy john lino says:

    gud day po..regular po ako sa company na pinapasukan ko now..36 months na po ak my contributions.at nag online inquire na po ako at nalaman ko po my 35,000 pesos mahigit na po ak na contribute..gusto ko lang po malaman kong magkano po ang matatanggap kong salary loan kung sakali po magfile po ako…tanx..pki email nalang po yung tanong ko raffy_lino@yahoo.com

  • Magileen Zyra Reyes says:

    hi.. i just want to inquire on how to apply for salary loan? I am an employee of a private company for 1 year and 4 months.. we are regularly paying SSS (deductable in my salary).. I want to apply for salary loan because I need money.. am I eligible? tnx!

  • janice aggabao atuan says:

    please informed me of my outstanding loan balance. i will start to pay soon. thank you!

  • julius says:

    pde bng mlaman d2 s online ung total amount n naihulog ko s SSS? kung oo, panu po b? pra mlaman ko kung magkanu ung naka2ltas s sahod ko. thanks…

  • Maricar Manuzo Agtang says:

    Why my 2nd loan is almost the same with my 1st loan then ang nakalagay sa member loan information ko LONE AMOUNT 1 diba supposedly LOAN AMOUNT 2 dapat.Pls revert to me asap habang hindi pa nabibigay sa account ko yung pera.

  • Maricar says:

    I am expecting your reply asap.Dahil masakit na ang kamay ko kakadial may nakausap ako sabi saglit lang sabay baba ganyan ba talaga sobrang tagal ng hinintay ko na may sumagot sakin almost 1 day tapos ganun lang pala sasagot sakin.

    • Mike. says:

      Maricar– Ganyan talaga sa SSS- matatanda na kasi ang karamihang empleyado na ewan ko ba kung bakit di pa mag retired or ilagay na lang sa mga work na bagay sa kanilang edad..naranasan ko na yan. 2 years ako nag hintay bago ko nakuha ang sagot sa tanong na simpleng simple lang naman.. DI kc masagot ni LOLO at LOLA ng sss :-)

  • Josephine Yap says:

    Please help how much is my loan balance in SSS salary loan

  • Ariel udaundo says:

    Pwde n po b aq mkpag loan? More dan 36 months n kc aq… Bago lng po ako sa company q..mag 3 months plng

    • imelda m. panaga says:

      last payment ko po sa sss salary loan ko nung april 2011… how much po ang maloloan ko pag nagrenew ako ng salary loan?

  • Ariel udaundo says:

    Pwde n po b aq mkpag loan? More dan 36 months n kc aq… Bago lng po ako sa company q..mag 3 months plng..please email me …so that i know wat to do..thanks

  • gemma dimatulac sandoval says:

    sir/mam:
    1. pls help me ako po ay secretary ng aming company? ngayon po meron po isang member na nagkaroon ng loan sa sss but she failed to pay that kasi po hindi po siya nagpakltas sa payroll siya daw po ang magbabayad sa madalit sabi hindi po niya ito nabayaran ng ilang years marami po na ibang member na gusto na din magloan paano po ang gagawin ko? paki send naman po ng step by step na dapat gawin?
    2. Meron po mga member na bago empolyed na my loan sila dati sa dating company ano din po ang dapat kung gawin… step by step po… pls email me southmegamart@yahoo.com umaasa po ako sa inyong assistant…

    thank you

  • armand says:

    ask ko lang po regarding my sss nagkaproblema po ung midle name ko ung totoong name ko po ay ARMANDO ACABAL LAGUNERO tapos ung time na nag aply me timporary ss number nagkamali po ung encoder ginawa po nyang ARMANDO AGABAL LAGUNERO. anu po ba form na nais ko fill apan at mga requirement po gagamitin as a supporting document. regular ss contributor po me almost 4 yrs. thanks po sent my email nlang.

  • Ma. Dolores Atienza says:

    ask ko lang po kung magkno ang maloloan ko s sss after 2 years fully paid ako year2009 at hindi n uli ako nagloan up to now/?

  • Lot says:

    ask ko lang po mga mgkano po ang maloloan (salary loan) ng husband ko kung ang monthly contribution nya ay P503.00. first time po nya magloan.
    kailangan po ba updated ang contribution bago makapag loan?

  • jane s says:

    nagloan po ako 2001 at 2002 jan nag start deductions ko, kaso nakasama po ako sa naretrench sa trabaho jul 2002. Ngayon lang po ako nakapagtrabaho ulit, papano ko po mababayaran ang aking loan at maari ko pa rin po bang maavail ang loan condonation. magkano po ang kailangan kong bayaran kung pabawas ko po ito sa aking sahod.

  • Brayan Ngayodan says:

    Year 2010 nagloan po ako,(salary loan) and deduction start of Dec. 1-15, 2010. Till now me deduction po ako. How mUch the amount and interest for the 1st salary loan? Quarterly po kung magremit sa sss ang company ko.

  • jenniefer says:

    this dec. 2011 i will have 36 months contribution already, but it will be posted on january 2012, can i avail of a salary loan, this nov. 2011, ?

  • jenorito alparo says:

    ok

  • Rowcie Vales says:

    I had my 1st sss loan.. How much can i get for my 2nd loan?

  • Rico Mendez says:

    asking for my outstanding salary loan balance and if i cant renew my salary loan this january plz reply and you can still send me email to this emailadd remirose.mendez@yahoo.com

  • reagan says:

    1st time ko po mgloan. i have 72monthly contribution how much can i loan,.. can i loan 2monthly salary because i already have 72 contributions. or 1 monthly salary lang because it’s my first time to loan even i have 72 contribution.

  • marvin alcantara says:

    ask ko lng po kng pwede na po b ako ulet mag-loan kc 2years na po mahigit ung previous loan ko until now meron pa rin po akong balance na Php180.. paki emial na lng po..thanks…

  • marvin alcantara says:

    ask ko lng po kng pwede na po b ako ulet mag-loan kc 2years na po mahigit ung previous loan ko until now meron pa rin po akong balance na Php180.. paki email na lng po..thanks…

  • mark says:

    i have already 71monthly contributions and 72 is your required contributions posted to avail the 2month salary loan but according to my employer this month is already paid but not yet posted, can i ask the exact loan amt if i will apply my salary loan this week?
    tnx,
    mark

  • Lienn says:

    Ano po ang step by step way para mag apply for salary loan?

  • edwin e. floranda says:

    paano ko po mahulugan ang loan ko ksi dto na po ako nag work saudi eh

  • angelica says:

    Good day po ask ko lang po bkit po ako na denied sa sss loan ko po eh na ka 36 months naman po ako kailangan po ba tuloy tuloy po yung hulog paki answer lang po maraming salamat po sa inyng pangunawa!!!!!!

  • GIRLIE M. PUDADERA says:

    gud day..ask lang po ako sakali f magloan ika 3rd laon ko na…how much is the loanable amount if ever…

  • analiza bologa says:

    na stop po ung hulog ko nasa 12 months lang pd ba ako makapag loan??

  • Mark Louis S. Rabano says:

    I am planning to have my 2nd salary loan. gusto ko po sana malaman kung magkano ang maloloan ko? Thanks in advance.

  • April D. Celeste says:

    good day!is it true that a SSS member of 3yrs. could loan 3million?if yes,how and what are the requirements in this housing loan?how many could we pay it?

  • joefredo barreno says:

    ask ko lang sana kung magkano po ba ang pwede ko maloan sa aking monthly contribution self enployed lang po akoalmost 39 months na po ako naghuhulog sa sss,thank you pki reply n lang po.

  • karen lizbeth p. unarse says:

    ask ko lang po how much i can get if i make a one-month salary loan. i am paying 1,144 monthly. nalilito po ako kung ano ibig sabihin ng average latest 12 monthly credit. correct me if i am wrong, 11,000 po ang monthly salary credit sa binabayaran kong 1,144 monthly, times 12 po ba yung 11,000? so it would be 132,000? but they would deduct immediately yung first 10% kya 117,000 n lng po ba makukuha ko? plus deduction pa ng 1% for processing fee? then magkano po ba magiging monthly payment ko for 2 years? i am an ocw. can i pay by postdated checks? than you @ Godbless.

  • Eduardo E. Cabildo says:

    May i know my loan last June 20, 2012 is approved?

  • Mike. says:

    feel sad :-( dami inquiry pero no SSS personnel will answer all the quiry by the SSS member here… ang government talaga, sa umpisa lang may magawang magandang prgrama para sambayana. Hopefully, mapakinabangan naman ang site na ito ng maraming nagatatanong. Sayang naman kc ang site na ito kung nakatiwang-walang lang ang mga tanong na walang sumasagot na taga SSS.

  • Expedito Nabor Gumaru says:

    Panu ko makukuha ang SSS- ID ko kc until now di ko pa naki claim.

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