How to Apply for SSS Calamity Loan – Requirements, Guidelines in Application

Because disasters, floods and typhoons are like normal nowadays in the Philippines, we can rely on SSS calamity and emergency loans. SSS members can apply for calamity loan anytime the service and program was announced and released as available. Calamity loans can be availed and applied when a relief-package has been issued to SSS while emergency loans are available for all qualified members. The requirements and guidelines are discussed in this page. The amount of cash you will receive can help you recover and stand up again.

SSS Calamity Loans are special. It means this type of loan is not available for all members and is not available anytime, anywhere. Currently, SSS just release this type of loans for members affected by calamities only. The government release special budget for that. So if you want to apply for calamity loan, you can go to your SSS branch and avail it.

Calamity Loan usually includes:

  • Early and advance release of three-month pensions
  • Salary loan early renewal
  • Suspension of loan payments for 6 months
  • Interest rate reductions for new loans to Housing Loan programs for repairs and improvements

SSS Calamity Loan Requirements

  • Accomplished application form
  • 2 valid IDs
  • SSS number/ ID or Card
sss calamity loan cash

CC BY SA Instant Vantage flickr photostream

Prepare your requirements before applying for calamity loan to avoid going back over again. File your application at the SSS branch handling your membership. Don’t forget to bring valid IDs and your SSS number. Double check your details and avoid alterations. Pensioners may need their fingerprints in signing.

Some government companies like GSIS and Pagibig Fund also offer emergency loans and request different requirements. Cash amount given to members also differ on each company. I suggest you only apply for a loan if you badly need money as they put interests on them.

Disclaimer: I’m not affiliated with SSS. This post is only shared for information purpose only. Calamity Loans are not always available. They are special programs. If you have personal transactions and inquiry about this special program, please contact the SSS branch near you. God bless!


  1. khaye delacruz says

    how about if you haven’t reached 36 contributions for SSS? is it possible to avail the calamity loan?

    • Fehl says

      SSS has calamity loans with easier terms for those Glenda typhoon victims. Just go to the SSS to know more about this latest offer. Deadline is on Oct. 31

    • cristy says

      PWd po b mgloan yung matagal nahinto s contribution?tpos po mga 2 months palang po ult nakakapghulog pwd po b un?

    • gay ferrer says

      pwedeng mag calamity loan kahit na meron pang previous salalry loan deduction. mag ka iba ba eto ng deduction.

      salamat po

  2. nherwin says

    Nag apply napo ko ng calamity loan ngayon lang sa agency ko taga cavite po ako ma aaprove po ba ko open po ba to calamity loan ang sss dahil sa bagyo glenda po

    • Fehl says

      SSS has announced Calamity Loans for those affected by typhhon Glenda. You may apply now, deadline is on October 31. You’ll be approved if you meet their requirements (assessment – contributions, existing loans etc)

      • Jessica says

        Bakit po sa cavite wala dw po kme calamity loan s sss kc wla p dw declaration.? eh ksma nmn kme s state of calamity.please reply. tnx

  3. George israel Gutierrez jr says

    Sir.mam pwde po ba ako magloan ng calamity loan.khit may previous balance pa ako sa salary loan ko…at mgkno po mkukuha ko

  4. George israel Gutierrez jr says

    Pwde po ba ako magloan khit may utang pa sa salary loan.pero active po ako almost 3 1/2 years na complete monthly contribution…

  5. Irene Faminial says

    Baket di daw po kasama ang cavite sa declaration ng sss for calamity loan eh affected din po kmi ng typhoon glenda? Please reply po naman…mdami na po kming nangangailangan ng calamity loan dito sa cavite..thanks in advance

  6. Irene Faminial says

    Baket di daw po kasama ang cavite sa declaration ng sss for calamity loan eh affected din po kmi ng typhoon glenda? Please reply po naman…mdami na po kming nangangailangan ng calamity loan dito sa cavite..if po, ilang weeks po bago nmin maclaim yung loan? Thankz po in advance

    • Fehl says

      If it appears along the other types of loan, yes we can apply and apparently wait for approval. If Calamity Loan doesn’t appear, we are not covered then

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