A collection of my life (mis) adventures on being a wife, mom, daughter, friend, and anything in between.

My First ever SSS Salary Loan

70 comments

After working for more than 3 years in different companies, finally I have used my SSS loan benefit for the first time.

For first timers like me, as long as you have 36 posted monthly contributions, you are qualified to file a loan. 
Anyway, these are the following SSS Salary loan requirements I submitted to our HR:

  1. Photocopy of my SSS ID, Company ID and any other 1 valid ID for supporting document. For voluntary, just you’re SSS ID and other 2 valid IDs.
  2. Accomplished SSS loan application form (click here to download SSS Loan Form)
  3. Prepare as well an authorization letter, if the company will process it in behalf of you. (For employed members only.)


Whoala! Just easy as 1-2-3! All you have to do now is to wait for the check which will take a couple of weeks before it will arrive. Or you can check your SSS online account (if you have one!) from time to time to check your loan status. 

On your online SSS account, you will see a Check Generated Status, Check Date, Loan Amount, Check Amount and your monthly amortization which will be deducted on your salary after two months. See image below for reference: 

Check will be delivered to your employer’s address for SSS employed members or to your home address if you are voluntary or separated members. So I’m expecting mine to receive at our office since our HR was the one who filed it for me. :)


70 comments :

  1. how much did you get? i'm about to take my first loan this week... thanks!

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  2. @rob: as stated on the image above, my loan amount is 12k yet I only received 11+k. Good luck on your first loan! :)

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    Replies
    1. mga ilang days bago u nareceive ang check?

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    2. As far as I remember, 2 weeks after I applied for it nakuha ko na siya. It was delivered at our office

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    3. meron yatang service charge sa loan kaya hindi buo ang makukuwa mo

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    4. Yes meron service charge na kasama sa loan mo. Iyong total loan ko is 12k yet 11,800+ lang ata nakuha ko.

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  3. possible b mkpg loan khit wla k png sss id?thanks

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    Replies
    1. yes, it possible to file a loan for sss even without an ID. What you need to have is an accomplished Member Loan Application and Application for SS card (SS Form E-6) acknowledgment stub and any two valid IDs both with signature and at least one with photo.

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  4. employed ako gusto ko sana ako na lang ang mgfile ng loan ko s sss....pwede ba yun??Papa feel-up ko na lang sa employer ko yung dapat nila feel-uppan.Anu ang mga kaylangan ko dalin at gawin??????

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    Replies
    1. Hi there! yes you can do it on your own. Ako rin nagprocess nung sss loan ko eh. As far as I remember, you need to have a photocopy of your sss id card and 2 other valid IDs, accomplished sss loan form (2 set), then I also asked for specimen signature card ng company para sure thing na di na ko pabalik-balik. Hope it helps! :)

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  5. kelan ngstart yung payment mo sa loan?

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    Replies
    1. The first monthly amortization was indicated on the check voucher. Anyway, to answer your question, I started to pay my loan last May lang.

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  6. hi, my company deducted me monthly for my salary loan payment. i've plan to apply for SLERP but when i checked my sss account my last posting payment month for my salary loan was still in the month of May. how long it will take for the SSS to post the payment for salary loan?

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    Replies
    1. Hi! I'm actually not sure when does SSS post our payment sa SSS loan. As per my experience, every quarter nagupdate iyong akin. Try to look at your online account din, if nothing happens parin. Kindly approach your HR and finance personnel regarding your problem so they can take an action for that.

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  7. Hi, pan0 malaman un am0unt na pwede mai-l0an? Base ba sa m0s salary 0r sa kaltas ng sss? Nacheck k0 online un saken maliit lang tap0s muka hindi pa un un actual na makukuha. Tia

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    Replies
    1. Here's my answer to your question:

      1. pan0 malaman un am0unt na pwede mai-l0an?

      My opinion: I just check the loan tabs at my online sss account. Under that tab is my eligibility. Duon ko nakita how much ung nakuha ko nung nagloan ako.

      2. Base ba sa m0s salary 0r sa kaltas ng sss?

      My opinion: Based sa SSS website, the loan amount is based on member's average salary credit. So it means it is based on SSS deduction on your salary since iyong binabayad natin sa SSS ay nakadepende sa range ng sahod natin.

      3. Nacheck k0 online un saken maliit lang tap0s muka hindi pa un un actual na makukuha

      My opinion: The loan amount will differ sa check amount na makukuha mo since sss is charging 1% of the loan amount as service fee.

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  8. It's me pa rin..thanks f0r the answer. An0ther questi0n, if y0u mean based on average salary credit-(depende sa laki ng sahod) the higher the member's salary = the higher the sss deducti0n = the higher the loanable am0unt y0u can avail.

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    Replies
    1. Eto lang ang sure ako - "the higher the member's salary = the higher the sss deducti0n". But on the loan-able amount, hindi ako sure eh. I asked my father, The amount I got was the same amount he received when he tried to loan as well sa SSS

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    2. Based yan dun sa deduction mo sa SSS. Example yung deduction mo is 500 based dun sa bagong table you can loan 15K. Pero hindi ibig sabihin na hindi ka pwede mag loan ng mas maliit lang 10K lang or 8K lang.

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  9. Thank you so much for the info Ms Charyl. This is very bery helpful. I ahve been waiting for the check as well. The check was generated 11/25/13 and I'm now waiting for my check.. so, you received yours after 2 weeks of filing.. :) Thanks a lot. God bless!

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    Replies
    1. Your welcome jo-ann! Yes, as far as i remember, ganun sya kabilis on my experience. Hoping you'll receive your as soon as possible din. :)

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  10. Hi Miss Cha, generated na yong check ko last week. Possible kaya na ma re receive ko siya this week?

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    Replies
    1. It depends kung gaano kabilis ung sss branch sa pagforward ng sss check mo. Any update? share mo samen here.

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  11. Hello po. Need some insights. I applied for a loan last December 6 in Robinsons Galleria SSS Service Center. How long will it take for the checks to be generated? I checked my Loan Status via My.SSS account and until now it says no stated loan application. Does this mean my loan's not been approve? Thank you in advance :)

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    Replies
    1. Mostly 1-2 weeks may generated check na eh. Pero still it depends gaano kabilis ung process ng sss branch na pinagapplayan mo.

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  12. Mine is Generated na last Nov 29, 2013 pa. Until now wala pa din daw narerecieve na check yung office namin bakit kaya antagal :(

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    Replies
    1. Hintayin mo na lang. Konting kembot na lang naman ung process nung sa iyo eh. Baka natagalan lang sa pagforward sa post office na magdedeliver sa iyo. :)

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  13. natawa ako sa "kembot"..ahahaha...i also applied for loan today and how will i know it the cheque is already released?

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    Replies
    1. Hi! Thank you for visiting my blog. Anyway, do you already have a sss online account? If yes, you may check it there. :)

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    2. Hi.i apply for salary loan last oct.15 with in the day or right after my application was input on the system the check was generated as well on the same date. My question is our liason officergoes to sss ever tues is that possible if they can get my check by oct.20 or with in that day the liason officer went to sss.

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    3. Yes, there is a possibility that your liason officer can get the check at SSS. If not, it might be delivered to your office address.

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  14. Hi, I applied for a salary loan last Oct 2013. However, I failed to give the voucher, and I may have lost it. Is there a way to retrieve back the voucher?

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    Replies
    1. Have you check your sss online account? You can print your online voucher there and may give it to the hr.

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  15. Hi. Ask ko lang, almost 3 weeks na yung application ko pero wala parin yung check. Meron ng generated checks sa account ko at naka lagay starting march 2014 na ung amortization ko pero wala pa ung checks.

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    Replies
    1. Hi Sir, wait niyo na lang po. I guess natagalan lang po ang pagdeliver sa inyo. Minsan kasi sa delivery palagi ang reklamo eh.

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    2. Same here, generated na April 10, almost a month na, wala pa din ung check ko. Ung sa mga ksama ko na nag apply ng March, after 2 weeks, andun na ung check nila. :(

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    3. Natry mo na ulit magfollow up sa branch where did you file your loan? Try mo rhein. If ever sabihin na naforward na nila, for sure sa delivery ang nagkaroon ng problem.

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    4. Hi, pde ko ba iclaim ang cheque sa post office kung saan located ang company ko? (By the way isa lang ba ang post office ng Makati City?) Di ko na ata gustong antayin ang delivery dahil maraming nagsasabing mabagal daw.
      Qs ko lang: can I claim it kahit dapat sa company ito idedeliver? Will the post office release it to me?

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  16. Hi nag file ako ng SSS loan ko.. nakailang balik ako kailangan pala yung latest form ang fifillupan yung 02-2013. Ang tanong ko po, gaano po katagal bago makuwa yung loan ang terms of payment na ginawa ko ay thru bank account. May mag iinform ba sakin kung napadala na nila yung pera or fofollow up ko every week sa SSS.?

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    Replies
    1. Hi Ralph! You may check your online sss account. May loan status dun wherein dun mo makikita kung check generated na. As per delivery sa'yo, wala talagang definite time when mo makukuha iyong sayo sss check mo. Sinuwerte lang siguro ako since napabilis ung pagprocess ng loan ko and I got my check for 2 weeks time. Depende daw talaga kasi yan sa processing at sa magdedeliver.

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  17. hi! just in case hindi ko na hihintayin yung magdedeliver ng check? i mean ako na ang sasadya.. saan kaya pwede yun makuha or maginquire? thanks

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    Replies
    1. Ay I'm not sure. Wala pa kasi akong narinig na kinuha ng sasadyain talaga since wala naman may alam when maire-release ung cheque.

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  18. Good day. Mag 8 months palang po ako sa work, pwede na po ba ako magloan?

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    Replies
    1. If first work mu yan, hindi pu-pwede since requirements eh 36 posted monthly contribution before you can have a loan then six (6) of which should be within the last 12 months prior to the month of filing of application.

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  19. good pm,ask ko lng po my 39 months na aq na contributions last september,kaso lng hindi tuloy2x ung contribution q,pro nag advance contribution aq ng 3 months for oct.-dec.2013..ngayon employed aq..ask q lng po kung pwede nba aq na mag loan...thanks....

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    Replies
    1. I am not sure, but I guess pwede ka na since you already have 39 months of contribution which exceed sa requirement. Actually ako din may lapses na 2 months sa hulog ko eh from 2 consecutive years. Ang mahalaga naman dun is you already have 36 months of contribution then 6 of which should be within the last 12 months. I guess the only way to know if you are eligible for a loan is to file for it then you can see on your online profile if it is approve or not.

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  20. Hi po. . .ask q lng po kung nwala po ung voucher q s sss loan q panu q po un mbbyran now . .kung ocw n aq dto s Taiwan...at kelan uli aq pwd mg 2nd loan

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    Replies
    1. You can check your online SSS account, then you can print your online voucher there. Iyon ung pwede mo ipakita as proof na may loan ka sa SSS. Regarding naman sa pagbabayad, pwede mong ipasuyo sa relatives mo na ibayad ka dito sa pilipinas. Or else, you can try to pay for it thru online banking like bdo, bpi etc. Ung 2nd loan, I'm not sure since first time ko pa lang din magloan sa SSS and I'm currently paying for it now. Siguro after paying the 1st full loan you have, you can try to file a loan again.

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  21. hi just want to ask kung may chance bang ma-approve yung loan ko, nag loan aq last week friday 3-14-2014 sa online acct ko and na-approved na rin sya ng employer ko, pero waiting parin ako kung ma-aaprove yung loan ko ng sss. i have 37 contibutions since Feb 2014 kaya lang i only have 3 consecutive months lang na posted. starting dec 2013-feb 2014. so wala akong hulog ng aug 2013 - nov 2013 kasi wala akong work nyang panahon na yan. pero prior than that tuloy tuloy naman ang hulog ko. thanks in advance

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  22. "36 posted monthly contribution before you can have a loan then six (6) of which should be within the last 12 months prior to the month of filing of application."

    -ask ko lang po kung ang ibig sabihin po ba ng "six (6) of which should be within the last 12 months prior to the month of filing of application." eh kailangan 6 na sunod sunod. or kailangan na atleast maka 6 contibutions ka within the last 12 mos regardless kung tuloy tuloy or may putol.
    please enlighten me. thanks

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    Replies
    1. Eto ung sagot sa tanong mo --> "kailangan na atleast maka 6 contibutions ka within the last 12 mos regardless kung tuloy tuloy or may putol.":)

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  23. Hi Miss Cha! Do you suggest applying for a loan online or by going to the nearest sss branch? which do you think gets approved faster? thanks!

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    Replies
    1. Hi diez, I don't actually know which gets approved faster kasi ang na-try ko palang is going to SSS branch. If you prefer convenience, then try to apply online.

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  24. Good Day,,check genrated na po yung status ng loan ko (march 17,2014),kailan ko kya makukuha ang check?

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  25. good day! nag apply po ako ng loan thru online, it was check generated na daw on march 4, 2014...kelan ko makukuha ang check ko...2 na na kasi hanggang nayon wala pa din...natanong ko head office namin at post office namin baka dun nila pinadala..but sad to discover wala ni isa doun..what should i do?badly needed ko na kasin yun....please help me...salamat

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    Replies
    1. Try mo sis magfollow up sa SSS branch where you filed your loan.Anyway, matagal talaga kasi pag check eh. Minsan kasi umaabot din ng 1month bago mo makuha ung loan mo.

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  26. ilang ids need para claim yung check? or pwede ba sya deposit nlang? sa personal account?

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    Replies
    1. atleast 2 ID's. Anyway, you can also deposit it on your personal account. May 3 days lang sa clearing time before sya magreflect sa account mo.

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  27. hi :) is it really necessary to apply for a salary loan? first time ko kasi.. and sabi kelangan mag apply for a salary loan kasi it will be better para sa future pag kelngan na talaga..

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    Replies
    1. Hi, to answer your question. Actually, it is not necessary to avail the sss loan. It's up to you if you really want or need to. Ung iba, nagloloan sila to check if sa kanila ba tlga ung account na hinuhulugan nila. There's a scenario kasi na may iba pang tao ung nakagamit ng account mo. I'm not really sure about that ah, pero yan ung based sa mga nabasa ko at narinig ko kwento ng tatay ko.

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  28. Balak ko na sana mag reloan ngayon month bali pang 3 times ko na sana sa salary loan,nag check ako sa online sss napansin ko na kulang ang loan payments ko ng 2 months. Pero na deduct na yun sa salary ko ang kulang March and April. Ang last payment ko lang sa record ng sss Feb 2014 ang sabi ng employer ko updated daw sila sa paghuhulog sa contribution at sa loan payments. Ngayon katatawag ko lang sa sss customer service 9206455 ang sabi ng agent na nakausap ko updated daw yun sa online nila. Sino kaya sa kanila nagsasabi ng totoo? May naka exp na ba sa nyo ng ganito klase ng issue sa sss?

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    Replies
    1. ay iyong sa amin, hindi nakikita agad. We need to wait every after quarter para malaman if posted na ung previous months na hulog namen. Baka ganun lang ung sau, di pa agad napopost ung march and april since di pa nacheck ng sss for posting.

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  29. this blog enlightens me, thanks :D

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  30. good pm.ng file po ako ng sick n salary loan last april,bali 1 month na ngyon.nung tumawag po ako s compny namin,sbi ko bkt ang tgal.sbi nila skin my kulang pa dw na white card.ano po ba yung white card.

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  31. HI... tracy here..

    06/04/2014

    > i used my online account to apply for my first ever SSS salary loan

    process:
    1. log in to sss online account ofcourse... hehe

    2. under MAIN MENU, at the left hand side of the screen, select TRANSACTION,

    3. select
    SALARY LOAN APPLICATION

    4. fill out necesary info then submit,

    5. please make sure to write down your application no.

    6. note: please make sure to check your email address, the one you used to create you sss account, check it from time to time, 'coz you will receive an email notification about your loan status,


    06/05/2014

    > i received a notification from sss saying that: We are pleased to inform you that your Salary Loan Application has been certified by your employer.

    > so i checked my sss account and look for loan status


    process:

    1. 1. log in to sss online account ofcourse... again .. hehe

    2. under MAIN MENU, at the left hand side of the screen, select ONLINE INQUIRY, new page will pop-up

    3. then click LOAN tab

    4. click LOAN STATUS, then you will see info about your loan application.
    LOAN STATUS: CHECK (CHEQUE) GENERATED.

    *other loan info will be displayed too,, same with the screenshot shared at the top of this page.

    *make sure to check all the hyperlink (ALL BLUE UNDERLINED WORDS) 'coz it will diplay details that you really need to know.


    06/06/2014

    > im kinda "atat"
    hahaha... 'coz I really need the money for additional funds for my small bussiness..

    > so i called SSS CALL CENTER HOTLINE, I asked them about the process if the status is (CHECK GENERATED)

    > rep. responce:
    madam, wait na lang po tayo ng mga 1-2 weeks, kasi po kami na ang magdedeliver ng check(cheque) sa employer nio, check na lng po ntin ang online account at ung compensation and beefits depertment ng office nio kung nsa kanila na ang check(cheque)


    06/06/2014...

    > as of the moment no responce and update yet from my employer..

    > once i received an update i will inform you guys..

    .... i hope this info will help you guys ...


    .. for further questions about sss processes call their call center line: (9206446 to 55)..

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  32. Hi, they say after your Cheque has been Generated turn over to Post office is within 3 days, then tumatagal lang daw ang paghihintay doon sa pagpadala ng post office sa receiver's post office or minsan mabilis naipapadala ng post office sa receiver's post office kaya lang yung pagdedeliver naman ng post office in your area ang mabagal.

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  33. Hi po ask ko lng what if kung voluntary.klng tpos 330 per month lng hulog u, magkano kya first loan nun

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  34. Hi may question ako. Dumating na kasi yung cheque kaso kulang ng isang letter yung name ko. Then i double check young online kulang pala talga.. maencash ba yun ng banko?

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