How to Apply for an SSS or Pag-IBIG Calamity Loan

Published: January 22, 2020 | Updated: November 17, 2020 | Posted by: Moneymax | Loans

SSS and Pag-IBIG Calamity Loan Application Guide | Moneymax

This article was originally published on September 13, 2018 and was updated on April 6, 2020.

After a devastating storm, flood, earthquake, or any natural disaster, it’s only logical to get things back to normal. It entails so many expenses: the leaky ceiling needs to be fixed, your flooded car needs repairs, you need to make up for the lost income after many absences from work, and so on. This is where a calamity loan from SSS and Pag-IBIG comes useful.

However, unlike other government-issued loans, SSS and Pag-IBIG calamity loans are special types of loans that can’t be availed anytime and anywhere. They’re granted only to members in areas declared under the State of Calamity within a limited period. Still, it’s worth trying to request financial assistance from these government agencies. Here’s your quick guide to applying for a calamity loan in the Philippines.

SSS Calamity Loan Features You Need to Know

  • 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

SSS Calamity Loan Application: Who Can Apply for an SSS Calamity Loan?

SSS Calamity Loan Features

Instagram photo by @danie.laurel

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

Can I Apply for an SSS Calamity Loan Online?

Not yet. However, according to Fernan Nicolas, SSS Head of Public Affairs and Special Division, members can apply for the calamity loan online by the second week of April 2020 [1]. The SSS will no longer ask for documents proving that the applicant’s area is under state of calamity since the entire country is now under calamity. Members can apply for a calamity loan worth PHP 20,000.

Steps to Applying for an SSS Calamity Loan During the Enhanced Community Quarantine

For the meantime, SSS members can apply for a calamity loan by dropping off their application in an SSS office nearby. Below are the steps.

  1. Download, fill out, and print the SSS Calamity Loan application form [2]. Ensure that your contact number and email address are up-to-date.
  2. Photocopy all required supporting documents (see complete requirements below) and place these with the application form inside a long brown envelope.
  3. Write down your name and the type of loan you are applying for at the front part of the envelope. Do not write down your SSS number.
  4. Seal and drop the envelope in the assigned drop box in front of the SSS branch.
  5. A designated SSS staff member will periodically bring in the box to retrieve the submitted documents and review/process them accordingly.

How to File for an SSS Calamity Loan (Regular Application)

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.

SSS Calamity Loan Requirements

  • 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 SSS calamity loan form, Barangay Certification, and authorization letter on their website.[3] 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:

How Will I Know if My SSS Calamity Loan Is Approved?

SSS will notify you via text or email once your loan application has been approved. This may take a few days, depending on the volume of applications received.

Read more: Quick Guide to SSS Calamity Loan Online

Pag-IBIG Calamity Loan Features to Take Note of

Pag-IBIG Calamity Loan Application

  • Loan amount: Up to 80% of the member’s Total Accumulated Value (TAV)
  • Interest rate: 5.95% per annum
  • Repayment period: 24 months, with a grace period of three months (Monthly amortization starts on the fourth month after the date on the issued check.)

Pag-IBIG Calamity Loan Application: Who Can Apply for a Pag-IBIG Calamity Loan?

Any Pag-IBIG member who meets all these criteria can apply for a calamity loan:

  • Paid at least 24 monthly Pag-IBIG contributions
  • Paid at least five monthly contributions in the last six months before the loan application date
  • Lives in an area declared under the State of Calamity

Members with an existing Pag-IBIG loan such as housing loan or multi-purpose loan—as long as the loan isn’t in default—may still apply for a calamity loan.

How to Apply for Pag-IBIG Calamity Loan

You can apply for the loan within 90 days from the State of Calamity declaration in your area. To file your calamity loan application, go to any Pag-IBIG office and submit the required documents.

Pag-IBIG Calamity Loan Requirements

  • Completed Calamity Loan Application Form[4]
  • Photocopy of at least two valid IDs
  • Proof of income (Payslips, income tax returns, certificate of employment with compensation, etc.)
  • Accomplished Declaration of Being Affected by Calamity

How to Apply for Pag-IBIG Calamity Loan Online

  1. Download the Calamity Loan Refillable Form[5].
  2. Accomplish the form on your desktop and save it in a PDF format.
  3. Send the PDF file to your HR via email along with a valid ID and the front and back images of your Loyalty Card Plus, or Landbank, UCPB or DBP cash card.
  4. Alternatively, you can email the designated Pag-IBIG address based on your home or work address. Check out the list of emails below.

Calamity Loan - Pag-IBIG email addresses

Calamity Loan - Pag-IBIG email addresses

For more information about the calamity loan, you may inquire at the nearest Pag-IBIG branch, call 724-4244, or send an inquiry via the Pag-IBIG Fund Facebook Page.

Read more: Handy Guide to Pag-IBIG Calamity Loan Online Application

How Will I Know if My Pag-IBIG Calamity Loan is Approved?

Pag-IBIG will notify you via text or email so make sure that all contact numbers you provide are up-to-date. Loan approval may take 5 to 7 days, depending on the number of applications received.

Other Ways to Borrow Money After a Calamity

Calamity Loan in the Philippines

Photo by Department of Foreign Affairs and Trade via Flickr, Creative Commons

If your area isn’t under the State of Calamity, you won’t qualify for an SSS or Pag-IBIG calamity loan even if you’re affected by a natural disaster. Here are some alternatives to consider when you need cash to cover an emergency after a calamity.

Read more: Emergency Loans and Other Ways to Borrow Money When You’re Short of Cash

If you have a car, it helps to get an insurance policy with an Acts of Nature or Acts of God coverage. This will ease your financial burden when your car gets damaged due to flooding or any disaster.

Final Thoughts

It’s tough to recover after a disaster—so you need all the help you can get. A calamity loan from the government allows you to borrow money at a cheap cost, helping you get back on your feet soon.

Read Next: Coronavirus Self Assessment Tool and Other Related Tips

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