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

January 22, 2020 | Posted by: Moneymax | Loans

January 22, 2020

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SSS and Pag-IBIG Calamity Loan Application Guide | Moneymax

This article was originally published on September 13, 2018 and was updated on January 22, 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 Application

SSS Calamity Loan Application

Instagram photo by @danie.laurel

Who Can Apply for an SSS Calamity Loan?

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 File an 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.

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.[1] 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:

SSS Calamity Loan Features

  • 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

Pag-IBIG Calamity Loan Application

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[2]
  • 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[3].
  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

Pag-IBIG Calamity Loan Features

  • 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.)

For more information about the calamity loan, you may inquire at the nearest Pag-IBIG branch or call 724-4244.

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.

Get the right loan for any purpose