SSS Calamity Loan is a special loan, not available anytime for all members. Calamity Loan is usually being offered by SSS whenever there is a calamity that happened in an area (e.g Typhoon, Earthquake, war, and unexpected incidents). To know if there is a Calamity Loan being offered to SSS Members in your area, you may inquire to SSS Contact Centers or Branches near you.

Features of SSS Calamity Loan

• Loan amount: One monthly salary credit (MSC) up to PHP 20,000 or the total amount of damage, whichever is lower
• Interest rate: 10% per annum
• Repayment period: 24 months (Monthly amortization starts on the second month after the date of the loan)
• Others: Waived service fee

Who Can Apply?

The SSS calamity loan is open to any member who meets these criteria:

• Paid at least 36 monthly contributions, six of which are posted within the last 12 months before the month of loan application
• Home address or property at an area declared under the State of Calamity
• Has not availed of any of these SSS benefits: total permanent disability, retirement, or death
• Has no outstanding SSS Loan Restructuring Program or Calamity Loan Assistance Program

How to Apply for SSS Calamity Loan?

You can apply for an SSS calamity loan within three months after the SSS issues a circular on providing assistance to affected members. Submit the original copies of the following requirements to the Member Services Section of any SSS branch:

• Completed Calamity Loan Assistance Application Form
• Barangay Certification
• One primary ID (UMID, driver’s license, passport, PRC card, or Seaman’s Book) or two secondary IDs (PhilHealth ID, company ID, senior citizen ID, voter’s ID, TIN card, etc.)

OFW members may assign a representative to file their SSS calamity loan application. SSS requires these additional documents from OFW-borrowers:

• Authorization letter
• Printed scanned copies of the OFW’s valid IDs plus original valid IDs of the authorized representative

You can download the application form, Barangay Certification, and authorization letter here.  For more information about the calamity loan, you may contact SSS through the following:

• Inquire at the nearest SSS Branch
• SSS Call Center hotline: 920-6446 to 55
• Email: member_relations@sss.gov.ph

Related Articles:

• How to Check SSS Contributions Online
• How to Apply for SSS Salary Loan
• How to Apply for SSS Unemployment Benefit
• How to Check my SSS Loanable Amount Online