Pautang ng gobyerno
Pautang ng gobyerno
SSS, Pag-IBIG at GSIS na pautang sa isang lugar — ihambing ang rate, halaga at termino, at tantiyahin kung magkano ang maaari mong hiramin.
Magkano ang maaari kong hiramin?
Tantyang halagang mahihiram
₱30,000
Tantyang buwanang bayad
₱1,357/mo
sa 8% kada taon sa loob ng 24 buwan — halimbawa lang
SSS
Social Security System — for private-sector, self-employed and voluntary members.
Salary Loan
8% p.a. (diminishing)- Mahihiram mo
- Up to 2× your Monthly Salary Credit (≈₱40,000 max)
- Termino
- 24 months
- Bayarin
- 1% service fee
- Sino ang kwalipikado
- ≥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)- Mahihiram mo
- Up to 90% of your Pag-IBIG Regular Savings
- Termino
- 24 months
- Sino ang kwalipikado
- ≥12 monthly savings, active member
Calamity Loan
5.95% p.a.- Mahihiram mo
- Up to 80% of your Regular Savings
- Termino
- 24 or 36 months (+3-month grace)
- Sino ang kwalipikado
- Member in a declared-calamity area; apply within 90 days
Housing Loan
5.75–6.25% p.a. (3% socialized)- Mahihiram mo
- Up to ₱10,000,000
- Termino
- Up to 30 years
- Sino ang kwalipikado
- ≥24 monthly savings, ≤65 at application, sufficient income
GSIS
Government Service Insurance System — for government employees.
Consolidated Salary Loan
12% p.a. (diminishing)- Mahihiram mo
- Up to 14× basic monthly salary (≤₱3,000,000; min ₱15,000)
- Termino
- Up to 6 years
- Sino ang kwalipikado
- Active government employee with paid premiums
Enhanced Multi-Purpose Loan
7% p.a. (charged in advance)- Mahihiram mo
- Up to 14× basic monthly salary (≤₱3,000,000)
- Termino
- Per period with paid premiums
- Sino ang kwalipikado
- ≥3 years of paid premiums
Emergency Loan
6% p.a. (+1% service fee)- Mahihiram mo
- Program-set amount for affected members
- Termino
- Set per program
- Sino ang kwalipikado
- Member in a government-declared calamity area
Ang mga rate, halaga at patakaran ay itinatakda ng mga ahensya (SSS, Pag-IBIG, GSIS) at nagbabago. Halimbawa lang ang mga tantya rito — palaging kumpirmahin ang kasalukuyang tuntunin at eksaktong halaga sa opisyal na site.