Government loans
Government loans
SSS, Pag-IBIG and GSIS loans in one place — compare the rates, amounts and terms, and estimate how much you can borrow.
How much can I borrow?
Estimated loanable amount
₱30,000
Est. monthly payment
₱1,357/mo
at 8% p.a. over 24 months — illustrative
SSS
Social Security System — for private-sector, self-employed and voluntary members.
Salary Loan
8% p.a. (diminishing)- You can borrow
- Up to 2× your Monthly Salary Credit (≈₱40,000 max)
- Term
- 24 months
- Fee
- 1% service fee
- Who qualifies
- ≥36 monthly contributions (6 in the last 12), under 65, active member
Pag-IBIG
Home Development Mutual Fund — savings-backed multi-purpose, calamity and housing loans.
Multi-Purpose Loan (MPL)
10.75% p.a. (fixed)- You can borrow
- Up to 90% of your Pag-IBIG Regular Savings
- Term
- 24 months
- Who qualifies
- ≥12 monthly savings, active member
Calamity Loan
5.95% p.a.- You can borrow
- Up to 80% of your Regular Savings
- Term
- 24 or 36 months (+3-month grace)
- Who qualifies
- Member in a declared-calamity area; apply within 90 days
Housing Loan
5.75–6.25% p.a. (3% socialized)- You can borrow
- Up to ₱10,000,000
- Term
- Up to 30 years
- Who qualifies
- ≥24 monthly savings, ≤65 at application, sufficient income
GSIS
Government Service Insurance System — for government employees.
Consolidated Salary Loan
12% p.a. (diminishing)- You can borrow
- Up to 14× basic monthly salary (≤₱3,000,000; min ₱15,000)
- Term
- Up to 6 years
- Who qualifies
- Active government employee with paid premiums
Enhanced Multi-Purpose Loan
7% p.a. (charged in advance)- You can borrow
- Up to 14× basic monthly salary (≤₱3,000,000)
- Term
- Per period with paid premiums
- Who qualifies
- ≥3 years of paid premiums
Emergency Loan
6% p.a. (+1% service fee)- You can borrow
- Program-set amount for affected members
- Term
- Set per program
- Who qualifies
- Member in a government-declared calamity area
Rates, amounts and rules are set by the agencies (SSS, Pag-IBIG, GSIS) and change over time. Estimates here are illustrative — always confirm the current terms and your exact loanable amount on the official site.