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

SSS Loan Renewal

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A frequently asked question about SSS salary loan may also be – When can a member renew his/her salary loan with the SSS?

Basically, any form of loan from the SSS may only be renewed if you have paid in full, the loan amount including all forms of interest and surcharges. Mind you however that even if there are set amounts for any loan with regards to payment, there is no limit for the amount you want to be deducted from your salary which will go to the payment of your SSS loan.

The above statement means that you can actually pay a higher loan amortization or deduction if you want or intend to get paid and rid yourself from your loan earlier than your expected payment terms. But also remember that if the term says 2 years, then you will have to wait 2 years before you can make another loan or loan renewal.

However, it is always good to get paid earlier than the set date of payment because you can immediately make another loan application even before the date of full payment stated in the terms of your SSS loan.

Another special point you need to know about is that if the loan is scheduled to be paid within 2 years time, then after that, you can or is already allowed to renew your SSS loan. Balance of P500 or less shall be deducted from the proceeds of the new loan.

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76 Responses to “SSS Loan Renewal”

  • Chris Martinez says:

    Hi, I wanted to clarify my existing SSS personal loan (dated June 2007) with your branch (SSS Pasay – Roxas Boulevard). Based on the company’s record where I work, I have fully paid my personal loan. But verifying it on the postings I see at your SSS website, it shows that I still have a missing payment (1 month payment dated May 2008). I appeal to your good office to please check on this matter. I’m looking forward that you would correspond to me through email so that I could present to you all the needed/neccessary documents to show proof of my payment for the missing month. Hoping to hear from you soon. Thank you.

  • baby conchita r. baldoza says:

    nagloan ako last april 29, 2009 pero til now di pa rin narelease kc lumalabas my remaining balance pa ako sa past salary loan pero totaly paid na ko nagpast na rin ako ng mga document nagpatunay na fully paid na ko, i do know na wat happen kc til now di pa rin narelease, nagpafollow-up ako lagi reason sira ang computer almost 3 mos. lagi sira computer. wat the reason?

  • jeralyn ignacio says:

    may i know how to know my salary laon?

  • Michael E. Badua says:

    May I khow how to know my sss salary loan?

  • edward bonilla says:

    I submitted my salary loan application last july 21 ’10 I just wanted to know if the check is already release if not when will it be?

    • SSS Philippines says:

      Wait po kayo ng at most 4 weeks and at least ay 2 weeks bago nyo malaman ang result ng SSS salary loan application ninyo sa Social Security System Philippines.

  • aida o. salazar says:

    Iwant to know when to have a renewal of my loan?

    • SSS Philippines says:

      SSS Loan renewal po is when you have fully paid for the loan balance amortization and monthly remittance. Kung paid na po kayo, then pwede na po kayo ulit mag loan sa SSS.

      • melanie says:

        pag nakapag bayad ng previous loan,then nag stop sa work ng 2 years hen nag work ulit pero 1 month pa lang ang contributio..pwede na po ba ulit magloan?

  • Martha says:

    Ask ko lang po kung pwede po bang kumuha ng baong SSS card dito sa embassy natin sa Kuwait kasi po nawala po ung card ko few years back , umuwi po ako i tried to get another ID card pero sabi sa main office sa Manila after 4 mos pa saka ma receive e 1 month lang po ung bakasyon ko kaya di ko na po na process.

  • americo m. pelayo says:

    gusto ko pong malaman kung kailan matatapos ang loan kung nababayaran po ito ng kompanya ko. salamat po.

  • Marites Cruz says:

    1. Sa SSS Online po, nag reflect na my loan will be rejected kasi i have active loan 8/2010, e bayad naman na po yung first loan ko, sobra pa nga po ng 700. will my loan be rejected?
    2. Pano if nasobrahan ng bayad sa loan? makukuha ko pa po ba yung excess payment pag renew ko ng loan?

  • Reynaldo Tan says:


    I just want to ask if I can make another loan after paying at least 50 % of my salary loan.

  • Israel Borja says:

    Hi, I just finished my salary loan and all settled na ung account ko by Oct 1. Today, Oct 8, I went to SSS Makati to file for a salary loan… sabi after 1 month pa daw ako pwede mag file nang salary loan! I went through out the sss website and look for that statement pero wala… its very frustrating kasi I have to personally go there today with all the hassles to find out na nde nila i-accept yun.

  • astrid says:

    hi sir.i would like to know how much i have to pay for my loan amounting to Php 7,500 last april of 2007.i would like to pay it in full this december and i would like to know how much in total i have to settle. SSS # 33-4605767-5.Please send info on my email

  • Servendo D. Peralta says:

    As far as my employer’s remittance record is concerned, I’m done paying my previous salary loan as of 10 October 2010. I’ve applied for a reloan with my employer’s HR office but I was told that SSS had temporarily freezed loan applications. May I know the reason for this action? Furthermore, the SSS website remains inaccessible to members like me, can’t something be done about this? Thank you.

  • Benito bagube says:


    please send me at my email, my contribution status. for my filing of sss loan.


    benito bagube jr

  • Cornelio C Capindit Jr. says:


    I have a long past due loan balance due to unemployment. When I fully paid my loan, how long will I be able to apply for another loan? Thanks.


  • Ramilo B. Santiago says:

    Please send me at my email,my loan payment status and also contribution status.

    thank you,

    Ramil Santiago

  • dotacje unijne says:

    Huge list of comments. Greetings for all bloggers.

  • Grace De Guzman says:


    How would I know if my employer is paying the SSS loan that I got? It shows on my payslips they were deducting the monthly dues. Please advise. Thank you.

  • april rose colina says:


    I have unpaid loan from sss since i resigned from my previous employer. Now, I will be paying my remaining balance. How many months will I have to wait in order to have a SSS salary loan again? Thanks!

  • Dindo C. Santoalla says:

    please send me at my email, my loan payment status and also contribution status

  • jedralin solivas says:

    pwede n po ba mg renew ng loan ang kpatid q? SSS # nia ai 05-0466471-9

  • virgincita Dingal Pisalbon says:

    Dear sir/Madam,
    please send me my email , how many days the USB loan payment will be posting?

  • Edwin S. Ceriola says:

    fully paid na po ang loan ko last 2009 pa. resigned n ko from work, at hindi pa nakapag voluntary contribution until this year simula na magresign, can i still avail loan from SSS? please send me a reply on my indicated email address. SSS #33-0772060-8. tnx.

  • Helen Celajes says:

    D po me makalog in cra po ba website nyo kc ilang beses me nag attempt lagi link not available pls. Pkifix naman

  • joy says:

    Last July 15, 2011, my SSS loan was already fully paid. I asked our payroll master to deduct double of my Monthly Amortization, that is why my loan was actually paid in 1 yr.
    Can I apply for a renewal? My SSS loan was supposed to end by 01 December 2011.

  • Jennifer Buencamino says:

    Hi,..just wanted to ask y i cannot renew my loan application due to a (1)month still oustanding on your system per inquiry amounting to P690.58 when i’ve already made my cash payment of P 700.00 on MAy 30, 2011 on SSS-MAkati branch(Buendia) for that outstanding balance ..when can this payment be posted?-it has been 2 mos. since then…why is it taking so long?…thank u-please respond…

  • gusto ko no po mgreloan at kailan ma approbahan in case by next po ako uuwi by march 1,2012.1 month lang bakasyon ko.paano ako mag file ng reloan ko andito pa ako sa abroad.pra andoon n rin mkuha ko ang g reloan ko. thank you po

  • lira alvaro says:

    i took salary loan when i was still working in Baguio-payable in 24 mos, the company i worked for sent my backpay to SSS to pay my loan so my loan was paid in full on the 12th month..but they overpaid it…instead of just sending around P6,000+ they sent almost P9,000 so it was overpaid by almost P3,000..i am now working here in manila..
    1.can I request for a refund?
    2.can i apply for a renewal or do i really have to wait for 2 years from the date of the first loan even if the loan is already paid in full?
    3.can i apply for a different loan?

  • at pwede nyo po bang maibigay ang record ng sss beneficiaries ng asawa ko na si mr.lucio c loquias,sss#10-0175582-9.send nyo lng po sa email add ko. salamat po

  • nalen says:

    Hi there! I just wanna know, can I renew my loan even if it’s not yet 2 yrs since I had my 1st loan on nov 2009? My previous company paid off the remaining balance when I resigned last may 2011. I also confirmed that thru sss online. Thanks!

  • fedelyn A. lagasca says:

    please sent to my e-mail my loan status at kailan ako pwede mg renew ng loan? thanks!

  • mario says:

    pwede na po bang mag apply for loan ngayong nabayaran ko na yong nacondone kong loan???? june 30,2011 po yun nabayaran, pwede na ba akong mag-apply uli?????

  • Qurino P. de Sagun says:

    May loan ako last 2005 at d na ako na ako nakapagbayad. Ano dapat kong gawin para makapagloan ulit ako.
    More than 120 contributions na ako at since Jan. 2001 ay nagbabayad ulit ako ng monthly contributions
    Ang sss # ko ay 04-03744808.

  • ryan says:


    I have unpaid loan from sss since i resigned from my previous employer. Now, I would like to pay my previous loan balance. But now i have my new employer and will continue paying my contributions. How many months will I have to wait in order to have a new SSS salary loan again? Thanks!

  • edgar m. oliva says:

    gud day….jaz want 2 know f dumating n ung loan q…mag 1 buwan n kc nung nag 4ward aq ng form s HR office nmin s NCF…tnx..hir is my sss # 04-075510-5

  • Cristina rodriguez koso says:

    Morning po.!
    Andito po ako ngayon sa japan..
    Balak Ko po sanang mag loan ulit.,mga magkano ang pede
    kong mailoan?at ano-ano po ang requirements na pede ipapadala..maraming salamat po..

  • MUYCO, RONILO says:


  • chescka mercado says:


    kelangan po ba talagang i deduct yung total balance ko sa sss loan ko sa aking separation pay kahit po na lilipat lang ako ng employer agad pagkatapos ko magrresign? saka kung ideduct po nila lahat sa sep pay ko yung total balance makakapagloan na po ba ako ulit. agad pagkatapos nilang bayaran?

  • bhelmolina says:

    Want to know why the total amount paid(accumulated monthly amortization) is greater than the total amount of loan granted(principal)? i want to clarify because the check amount received was already deducted of advance interest and service charge…

  • job n pe benito says:

    hi, sir/madam how long would it takes to re loan ,i am over paid .until now my balance many months will i have to wait in order have SSS salary loan again?thanks!

  • Ambrocio gulay says:

    Mam, Sir,
    Nov 2011po ang last deduct ko sa sss loan ko, pweden po b ako magloan ngayong dec?

  • Benjie says:

    Hi Sir/Ma`am,
    Good day! I`d like to pay my existing loan in full. My existing loan will expire this coming april and I want to renew my loan. Please advise me where at SSS office i will inquire for the full payment of my existing loan. thank you!!!

  • edwin says:

    napapansin ko walang sumasagot sa mga queries nio..? dapat ang sss may call center na for the queries putang ina nila puro sila nkatanghod…

    tska yun sa loan bt aantayin pa yun 2 yrs para mag loan ulit? puking ina nio 2 yrs!!!!???? 24thousand lang naman kaya nio pahiram unlike GSIS kahit 100k kaya iloan mo yun lang wala kna swelduhin…

    Ang msasabi ko sa SSS ay PUTANG INA NIO!!!!!

  • regie bolhano says:

    gud pm po! tanong ko po yng loan ko kng kylan po ma jan,2 po ako ng pasa ng form.

  • rose says:

    Bakit nyo tinawag n “loan renewal” kng dapat palang mabayaran mo muna ng buo ung loan at dapat matapos din ung loan muna(24mos)? kng natapos mo na ung loan saka ka pa lng pala makakaloan ulit..di bat parang new loan n rin un kc tapos kn naman sa loan mo bago k nkapag loan ulit? Ang pagkakaintindi ko kc sa “renewal” is u have an existing loan and that payment were made on this loan but before its maturity you opt to “renew” it thus using the same amortization but the terms of payments will be extended..just confused by your guidelines regarding renewal of loan..

  • Social Security Suck says:

    Really, SSS sucks bigtime!! Nag check ako the other week na ok na yung loan ko, pwede na ulit. Then isang araw biglang may exceed daw na 500 sa na loan ko!! Isn’t it crap?Ni wala man lang call center or kahit man lang information center sa mga branches. People need to go through hell just to ask question or to be denied. Sabagay,this only show how our government system also suck

  • Owie says:

    I paid my remaining balance with my salary loan last December 2011 however, checked online I still have balance of P1,900. Inquired with our HR they told me that they are still waiting for sss posting of payments. Its already 3 mos and still waiting for posting for me to renew my loan. What happened?Why posting of payments take time?Please assist

  • Jesus A. Figueroa says:

    Good day,inquire ko lang po tungkol sa salary loan ko last 2008 nakapag bayad ako for 6 months from january to june 2009 tanong ko lang kung magkano na lahat ang kulang kong babayaran kasi OFW na po ako at gustong kung bayaran ang kulang ko.maraming salamat paki email nlang po ang sagot sa email address ko.mabuhay!

  • roj says:

    I have applied for sss id last 2009 and i prefer to have it deliver at my workplace..but its been two years after the said application and i haven’t receive nothing!! WHAT WENT WRONG?! i need my umid id now. please help me.. any reply or comment you may extend will be highly apreciated.

  • rogelio arquisal says:

    hi pleas sent my form to the email above to be pass on my agency(bolinao security agency)

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