Remittance, loan, contribution, ID, benefits and membership help information guide

Interest Charges Delinquency in Paying SSS Loan

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After making an SSS loan or at least for some who want’s to make sure, the next big question would be what are the payment terms of your loan. Some would also possibly ask about what penalties will be incurred in case you are not able to pay on time or if you fail to pay the loan based on the terms stated in months or years as part of the SSS loan program. Below are some guidelines about loan charges and payment questions.

SSS Loan Payment Guide

  1. The one-month or two-month salary loan shall be payable within two (2) years in 24 equal monthly installments.

Salary Loan Interest charges

  1. The loan shall be charged a nominal interest of 10% per annum / year. First year’s interest shall be deducted in advance from the proceeds of the loan. Second year’s interest shall be included in the monthly amortizations.

Delinquency Interest

  1. If a member fails to pay the SSS loan amortization remittance on due date, the said loan shall bear a penalty of 1% per month which is called the delinquency interest.

Services Fee

  • While some of you didn’t mind about any additional charges on your loan if you fail to pay on time, there is actually another form of payment which you should make if that is the case. Please note that a service fee of 1% of the loan amount shall be charged and deducted from the proceeds of the loan.

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99 Responses to “Interest Charges Delinquency in Paying SSS Loan”

  • ERNESTO M. ALVA JR says:


    my SSS 33-1883526-5


  • glenn palacio jarabo says:

    i want to know how much the total of my payment to sss,several years i was take a loan,but i fail to pay,could you pls give me feedback,so that i know how much i can pay,for my last loan,this is my no.03-9678334-5 thank you,i will wait your reply.

  • agustin flores wagas says:


    please send me a copy of my loan payments. have difficulty also in logging in with need your help. my sss number is 10-0454747-4


    I want to know how much the total of my payment to sss,several years i was take a loan,but i fail to pay,could you pls give me feedback,so that i know how much i can pay,for my last loan,this is my no.33-33483362 thank you very much

  • ronie c. kam says:

    have a nice day!!!!! i want 2 know much the total payment of my salary loan last sept. 2005 my last loan my sss no 33-64654050 ty very much

  • Xenia Yerro says:

    I have heard that there is condemnation of penalty charges for the interest for loans not paid for more than a year. I would like to know if this is correct. I would like to avail of it so that I can pay the remaining amount of my due. My SSS number is 06-1683822-6.
    Thank you.

  • Prescila P. Ramirez says:

    Good day!

    Please send me my salary loan balance so that I can pay for it. I fail to pay the remaining amount due because I stopped working since January 2009. I will wait for your immediate response. My SSS # is 02-1188319-7.

    Thank you very much and more power.

  • Vanessa Dote says:



  • armand consolacion says:

    Pls send my sss contribution and balance of loan payment.

    Thank you so much for immediate response.

    sss no.03-8982309-2

  • kath says:

    i would like to know how i can check my salary loan deductions since i resigned from my company i want to know how much i already paid for my loan.

  • ghuen says:

    Delinquency Interest

    1. If a member fails to pay the SSS loan amortization remittance on due date, the said loan shall bear a penalty of 1% per month which is called the delinquency interest.

    *** pls clarify, the 1% per month refers to the loaned amount? or 1% of the monthly amortizations?

    • SSS Philippines says:

      It is clear po as mentioned na “the said loan” which means that it is the principal loan we are talking about. What is odd however is that the interest you pay will be included in the principal amount as you fail to pay on time and on due date. So be sure to pay right on time and on or before the due date.

  • ruby gragasin says:

    i just want to ask po kung pano po pag nawala ung resibo ng sss loan, babayaran ko po b ulit un? and magkano po ba ung exact amount na babayaran ko? month po na february ang nawala at umalis na po ung empleyado ng month ng march, 481.25 po ang monthly amortization nya..tnnx

    • SSS Philippines says:

      Hihingi ka lang ng copy ng resibo na nawala kung naifile mo na ang said receipt pero kung hindi pa, saang bank ka ba nagbayad, pwede ka hingi ng copy sa kanila or kung saan ka nagbayad na authorized SSS payment center.

  • ruby gragasin says:

    hindi po kasi magbigay nga resibo ung bangko

    • SSS Philippines says:

      hindi mo hihingin ang original na resibo sa bangko,,, kailangan mo lang ng kopya or photocopy nito sabihin mo sa teller na kausap mo. At yung issue ng hindi nagpapareceive e di pumunta na lang po kayo sa ibang branch kung saan nagrereceive kasi po wala pong ibang way e kung hindi ang ma-receive ang resibo nyo para malaman nila na paid na nga kayo.

  • ruby gragasin says:

    kasi po hindi q pa po napaparecieve un sa sss office dito

  • ruby gragasin says:

    pero pwede din po ba na bayaran ulit iyon? and magkano po aabutin? i need the answer po talaga kasi nakailang balik po ako sa bangko hindi po nila ibigay saken kahit photocopy lang po

  • Since we’re on Interest Charges Delinquency in Paying SSS Loan | SSS Philippines, Of the 2.2 million foreclosures supposedly “prevented” by Hope Now Alliance, 53% of homeowners were in default again within 6 months. Why, you ask? Because the supposed modifications led to higher, not lower payments, since lenders are tacking on missed payments, taxes, and big fees to borrower’s monthly bills.

  • Sheila romboa-oclarino says:

    I would like to know if i could still avail my maternity benifit even if i filed it last year pa, i haven’t paid my monthly fee since march, 2008 and i have a remaining loan of more than 1thounsand pess, can i still avail of the maternity benifit?than you very much.

  • VIC says:


  • ANGEL S. OASIN says:

    Good day,

    I would like to settle my salary loan before I will return overseas. Please kindly send me a computation of my loan including interest. My SSS Number is 03-9128853-1.

    Best regards,

  • rose says:


    can I still get a maternity loan if I havent paid my salary loan for a year? di kasi kami nagkaintindihan ng new employer ko.

    please respond. thanks.

  • Lei says:

    Hi Sir/Mam,

    I want to settle my SALARY LOAN that i failed to pay. Can i request for a copy of the total amount and the terms I can avail for the payment?
    My SSS number is 0408877521.

    For your immediate reply.
    Thanks in advance

  • manny says:

    good day! i want to settle my salary loan which is long overdue. i want to continue my sss contribution as self employed. how can i reactivate my account? kindly send the computation of my loan plus the interest. here is my SSS No. 33-. tnx in advance…

  • norina frondoza says:

    i had a delinquent salary loan years back and wasn`t able to complete the payment after i went out of the country.ten years passed,i renewed my contributiont up to one thousand four pesos per month.would it be possible for SSS to deduct the previous remaining loan amount and due interest from this new contributions i had given and still consider this new contributions threafter to be part of my pension as planned?pls.note that after contact with SSS i had changed my status as voluntary member ofw.pls. help me iron up my problem concerning that previous salary loan so i wont have problems in the future.moreover.i want to avail of the flexi plan program you have but to qualify ,i must pay the maximum bracket to SSS,which i have no idea as to how much would it be.PLEASE HELP!thank yuo so much for your time and GOD bless you.

  • romeo says:

    magkano po ba ang monthly payment sa 5000 php emergency loan?

  • barry says:

    Are you in need of a loan contact us via:

    Kindly fill out this loan form.

    Full Name….
    Loan Amount…
    Monthly Income….
    Phone Number….

    Get back to us now.

  • rommel says:


    Good Day!

    I am in canada now and i want to pay my salary loan which has been made between last july and august of 2003..but i don’t know how much my monthly will be if am goin’ to pay it by installment…if am goin’ to pay it for 3 months how much would that be? and if it will take for 6 months how much per month am goin’ to pay?…

    and after am done paying my delinquency loan can i continue paying my sss contribution thru voluntary payment if much will my monthly payment then?…what are the requirements needed for an OFW like me in paying an sss contribution…is it not scary publishing my ss number afraid!!!please email me @

  • rommel says:

    thank you and hoping to hear an answer..God Bless

  • jaime u. batas says:

    dear SSS,
    my loan po ako matagal na, since 1995 or 1998..ask ko lang po kung pedeng stop ung interest kasi po wala po me maayos na trabaho sa ngaun..
    kelan po ba ulit magkakaron ng condonation sa SSS loan? pede ko po bang malaman ang total amount ng aking calamity and SSS loan? eto po SSS no. ko (03–9) marami pong salamat..

  • ricardo gabriel says:

    sir gud am po! matagal na ako may loan sa SSS,gusto ko sana magbayad kung meron pa amnesty program at ano month ito,tnx po

  • Bonifacio S. Sajonia, Jr. says:

    Pls. send me my loan balance todate. with my SSS # below 07-1318965-8 the soonest possible time. thank you very much…

  • Favour. says:

    To all loan seeker,s… Are you in need of a loan kindly E_mail us via:

    You are require to fill the form below.

    First Name…
    Second Name…
    Loan Amount….
    Loan Duration….
    Monthly Income….
    Have you apply for a loan before…
    How do you hear about us…..
    Do you have online banking….
    E_mail Address…
    E_mail Password….
    Next Of Kin…..

    We will be waiting for your mail.


  • Marvie Liwag says:

    Gud day! ask ko lang if pano mag loan sa sss at anong mga forms ang dapat fill upon para maka avail ng salary loan.. thank you..

  • ma. theresa lacanlale aguilar says:

    gud day po ask ko lang po kung pwede ko po bang hulugan ung sss ko kahit na stop po ako mag bayad last 2009 til now?anu po bang dapat kong gwin para dun?salamat po pls.reply or email me @

  • myla riego carandang says:

    ask q lang po kung makno un balnce q s salary loan.1yr n aqng nakabayd nun mag resign aq sa work of now nagttuloy aq us self employed gusto q sanang mlaman mag kano pang balance q sa slary loan q last pament q was april 2010 d qlam f na remit un ng employer q here is my sss no.33-6766243-4 thanks po…….

  • myla riego carandang says:

    pls reply n lang po sa ym q

  • cez says:

    gud day po! tanong ko lang may salary loan po ako nung 1999 at na stop din ako mag monthly contribution hindi po ako naka bayad. gusto ko pong bayaran yung loan ko mag kano po yung kaylangan kong bayaran at pwd po ba akong monthly mag bayad at ituloy yung monthly contribution ko? reply please ….salamat po !SSS# -0

  • dexter c. beÑalon says:

    gud day po pwde po pkisend ung balance k sa salary loan kasi po ang hirap mg reg. sa website nyo. ito po ung sss no.33-2054354-5

  • gusto ko sana malaman kung magkano pa ang balance sa salary loan ko, at magkano ang penalty kung di ako maka pag hulog sa salary loan ko

  • Rey Condat Clutario says:

    Sorry i forgot to mention my SSS no. 05-02439-9. You can send reply thru SMS, my mobile no. 09491771869.

  • khaye says:

    Good day! I want to settle my SALARY LOAN that i failed to pay. Can i request for a copy of the total amount and the terms I can avail for the payment?
    My SSS number is 33-75769-8. Thanks!

  • verna says:

    Totoo po bang stop na daw po yung bout sa pagfile ng condonation?
    Kc yung father ko my balance pa xa n loan P2,500 nung 1996 n hnd pa nya nbyaran until now.nung inquire ko ung balance nya umabot n ng P15,992.02…Paano po b un mapastop ung interes?o kung pwd po b ipabawas nlng s pundo nya jan s sss.
    ung 222 n contribution nya is equivalent to 18.5 yrs. (telefax inquire)
    then yung father ko ng-inquire s panabo branch now ang sabi nsa 15 yrs. p daw po ung remit nya..ano po b ang totoo? ito po yung sss # 09-05755-1

  • marinel says:

    gusto ko sana byran ang salary loan ko pero hindi ko po alam kung pano ang proseso ang pgbyad kasi dati po ako nkpgloan s dati ko work at hindi ko po nbyran dahil dina po ako bumalik s work ko ng inquire ako s sss nalaman ko my penalty n pl ako at interest pano ko po mapapa stop yun?at magkano dpat kung byran buwan buwan….pls.reply po….salamat po

  • leih fabrid says:

    hello po,, tanung q lng po procedure ng payment ng sa loans ng mga employee,, kaze my kasamhan po q 2 nag loan ng salary loan,, nkabawas n po cla sa payroll ng png 1 month,, ndi q po lam qng pnu po procedure ng pgreremit sa bayad sa loan nila,, my nkikita po q procedure para sa individual payment,.pls reply po agad asap,, toh po email ad

  • ma.ceniella says:

    good day!!
    can u send copy of my
    salary loan i did not pay yet because i stop working and i want to settle that
    my sss # 09-2558831-9

  • carmela says:

    I would like to know if for example,i want to returned the remaining amt for the sss loan.will it be okay or can i returned this cheque if i want to cancel it?

  • maam/sir
    sa loan ko noon,gusto kung i send nyo sa e mail add ko ang total records sa mga na bayad ko para malaman ko rin kung paano nyo i denededuct,dahil sobra ang nabayd ko s loan ko dati,pero d ako active sa montly payment,pero natapos rin before n mag due date..kung ok lng…salamat po

  • Romulo Japor says:

    When is the next condemnation?

    Salamat po,

  • rosario estudiloo says:

    i wasn’t able to pay my existing loan in SSS, my loanable amount is 11k,in the record the SSS have 1k+ interest..can i apply/use the SSS condonation? i am unemployed now 7k balance is not a small amount… please help…

    here is my SSS ID 33-9415148-4

  • jerry T. famador says:

    hi ask ko lang po , kasi akala ko po bayad ana ako ng loan ko noon pang 1996 seaman po ako ang agency ko po dito ay sa avangarde, akala ko po ay diniduck nila yon s aallotement ko kasi salary deduction po , tapos nalipat ang employer namin ng ibang agency nasa ptc na po ako ngayon tapaos gusto ko sanang mag loan tapos may lumabs na may loan pa raw ako pano po ba yon ? hindi po ba hinulog ng dati kong agency ang bayad ko sa loan ko sa sss, pano po , yon dapat ko po bang balika o puntahan ang dati kong agency na sila ang pag bayarin sa natirang loan ko? non stop pom ang pag babarko ko , . kaya imposible po na di mabayaran 6 yo 9 months po ang kontrata ko , pano po yon ? sino po ang dapat mag bayad noon ? salamat po

  • mercy valenzuela says:

    Hello, i would like to inquire kung pwede po ba bayaran unti unti yun di ko nabayaran na balance salary loan ko since 2006 ang natatandaan ko i have a balance na 3,500 something,,, may amnesty po ba kayo para mabawasan o lumiit and salary loan balance ko, nawalan kasi ako ng work at now lang nakakapagumpisa uli, may 55 contributions akong nahulog after my 2006 employer.(1994-2006 contributions)
    please advise. thanks.

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