How to Apply for SSS Loan Condonation Program Online

If you are one of the millions of people who wish to avail of the SSS Loan Condonation Program, you can now do it online for easy and convenient access. No need to submit documents or going personally at the SSS office just to apply for this chance.

how to apply sss loan condonation program online

SSS has launched this amnesty program for all its members for condonation of loan penalties. This is so amazing and so generous for delinquent borrowers who don’t know how to pay their loans. Now, SSS offers easy options for them to avoid scary penalties.

SSS Condonation Program Online Application Requirements

  • Member must be registered in the MY SSS from SSS official website – sign up for SSS Online Inquiry System
  • Member has paid at least three amortizations since the date of loan
  • Member has paid at least three months contributions within the last six month before the date of application to this program

Benefits of SSS Condonation Program

  • 90% write-off of accrued penalties for borrowers who settled their amount due in one full payment
  • 80% write-off of penalties for borrowers who chose to pay in monthly installments in a 1, 2 or 3 year period)

How to Apply and Process SSS Loan Condonation Online

  1. Once you have an active MY SSS account, log in.
  2. You will see at the left side on your Profile page the Loan Condonation Tab. Select it.
  3. Then your SSS number will automatically appear. Just tick the option you wish to choose according to your payment capability.
  4. Agree with the Terms and Conditions.
  5. You’re done.

That’s so easy. SSS online system will inform you if you need to comply and submit other requirements such as payments of contributions to qualify for the condonation. If not, that means you are already entitled and you don’t need more requirements anymore.

You will receive an email from SSS once your application for loan condonation has been approved. The email also includes the complete details of your payments due under the Condonation Program you have entered and agreed upon.

Applicants with further document requirements submission need to submit their Condonation Program application form together with the added requirements such as affidavits, pay slips, benefit claim forms and others. These docs are specified in the email reply in case you are among these groups under this category:

  • Members whose employers didn’t remit their loan payment and amortization to SSS
  • Un-posted amortization payments in the SSS
  • Beneficiaries of deceased members with outstanding loans
  • Members and borrowers filing for either total disability or retirement claims

For the above category, condoned penalties range from 50 to 100 percent.

Why delinquent borrowers need to avail Loan Condonation program?

Simply to remove the delinquent status, avoid many penalties and have the full eligibility to SSS benefits throughout their life until retirement.

Related articles:

SSS Contributions Table 2019

How to View SSS Contributions Online

About Fehl Dungo

Licensed Career Service Professional, tech investor, founder of Philpad, and published author of a poetry book at Barnes&Noble.

115 thoughts on “How to Apply for SSS Loan Condonation Program Online”

  1. Nagloan ako ng 2002 2004 nagsara ang company KO may 2 payment p po akong Hindi nabayaran. Nang maginquire po ako napakalaki na ng tubo at at meron pa pong Hindi maihulog na isang payment ang company .gusto KO pong mabayaran ang aking kulang pano po ito. Gusto KO po sanang magapply ng condonation para Hindi nmn po malaki ang bayaran KO.
    Maraming salamat po

    • Gd pm po gsto k po sna byaran loan.2009 po ako nag loan hangang ngaun d k po nbyaran.gsto k, po sna byaran subrang laki po ng tubo.kailan po mag kakaroon ng condnation?

  2. Hello,

    I had a Salary loan almost 10 yrs back. I only had 3 months payments after which nakalimutan na bayaran after moving from one company to another for employment.

    I started to pay again since December 2015 until July 2016 and stopped when I thought I already paid it all.

    From Principal of 24K, I paid around 28K total and now I realized I still have more than 29K left unpaid.

    Sobra laki naman yata ng interest na para mababaon na tau neto sa utang habang buhay

    Can Loan Condonation program help me settle this? I want to clear my obligation but having that amount that still continue to balloon to infinity is too much for me.


  3. Pano po kaya nangyari na may gumamit na ibang tao sa sss ko at nag loan? Ngayon gusto nila bayaran ko yun. Ngayon mag apply nalang daw ako ng condonation para walng tubo. Tapos may deadline ba talaga pag apply nito? Nirurush kaso ako ngayon na daw deadline. Pa help po

  4. How can I register here? Please guide me. I want to avail of the SSS Loan Condonation, but I couldn’t access the Form.

    My.SSS is an online service portal that allows SSS members exclusive access to their contributions and membership records, make online transactions, set appointments with their SSS servicing branch, and request copies of their records, as needed.

    My.SSS also has a Members Forum wherein members may discuss SSS-related issues. The Forum is moderated by SSS employees and/or officials who are knowledgeable and authorized to respond to members’ concerns or direct their complaints.

    To access My.SSS, individual or corporate members must register for their own username and password, which shall be issued by the SSS.

    Thanks and best regards.

    Evangeline Posadas Agcaoili
    SSS No. 0387802471

  5. I’ve open my SSS account but there’s no Loan Condonation appears on my Profile Page. What can I do to make an on-line application for Loan Condonation. Please help. Thanks.

  6. I would to avail of SSS Condonation program.Where will i apply from here?I’ll be going for my annual leave this September.Can i go to our nearest SSS branch office?Thanks in advance..

  7. Hi po, i would like to apply the SSS loan condonation online for my husband, but i cannot find where and how to do this online. I want to settle it in full to avail the maximum discount 100%? please help. thank you

  8. wala naman akong makita loan condonation option on my profile, pati transaction option wala. tatlong option lng ang nakita ko update profile, change password at appointment system. bat ganun iba po yung sa inyo..

  9. Mayron po akong salary loan Php 15,000 at nagroon ng interest n Php 35,000 gusto ko pong mag aply ng sss condonation program pra mabayaran lahat ng utang ko pno ko po ito e process andito po ako sa Dubai sa kasalukuyan.

    Sana po matulungan nyo ako kong paano ang proseso.

    Thank you.

  10. Dearest.sss management i jst wnt to apply my calamity loan in condonation coz i can’t able to pay the interest if possible to pay the amount 7000 that i taken..

  11. dear admin,
    meron npo ba ngaung year 2016 ngkloan po kxe ppa ko sa sss and di nyanpo nbyaran.last lst tym chineck nila ang laki na pla….di npo nkkpgwork ngaun ang ppa ko.naakcdente po kxe sa motor.anu po kaya pede nya mkuhang loan.o ano po kya dpt nming gawin..dati po xang seaman.pls reply

    • To: Ms. Angel -May 24, 2016

      Disability Benefit


      A member who suffers partial or total disability with at least one monthly contribution paid to the SSS prior to the semester of contingency is qualified.

      Partial Disability

      A complete and permanent loss or use of any of the following body parts, but which does not totally prevent a member from engaging in any gainful occupation.

      one thumb
      one index finger
      one middle finger
      one ring finger
      one little finger
      hearing of one ear
      hearing of both ears
      sight of one eye

      one big toe
      one hand
      one arm
      one foot
      one leg
      one ear
      both ears
      Permanent Total Disability

      complete loss of sight of both eyes;
      loss of two limbs at or above the ankle or wrists;
      permanent complete paralysis of two limbs;
      brain injury resulting to incurable imbecility or insanity; and
      such cases as determined and approved by the SSS.

  12. Kung gusto nyong makatulong talaga na makabayad lahat ng may overdue account sa SSS loan sana di lang penalty ang alisin, pati sana interest. Ganun naman yung unang Condonation na binigay dati. Malaki pa rin ang babayaran kaya di nga nag aavail ung may mga utang mabigat kasi na bigyan pa ng interest e.

  13. Dear SSS,

    Pls. advise po if kelan po magkakaroon ng loan condonation. Sana po magkaroon n kaagad at malaking tulong po iyon sa amin..

  14. I worked with the same company for 16 years. I made a salary loan of P6,000 wayback 1990. As per loan agreement that should be paid in 2 years, I was expecting the loan should had been paid 1992. I resigned with my former company also i contributed 122 installments on 2001. On 2015 I was told i can check my sss contribution onlinw and i did register. I was surprised to know that no payment was made on my loan and earned penalty and interest. My old company diversified into real estate and closed the other company. They even reported me working on different company names while I was working with them 16 years straight. I need help to straight things up. We dont accesss sss that time and only our accounting and HR Department communicates with them. Clearly its the company’s fault..

  15. hi, ms FHEL

    ask lng po sana aqo if my update na regarding po sa condonation program this year 2015……. sana po myron na para po sa aming mag mahirap malaki po tulong ung program na un…..tnx

  16. Sir/ma’am,
    itatanong ko lang po,kung kelan ulit pwedeng magsallary loan.kc nag apply po ako ng condonation noong july 2012 hanggang june 2013.nabayaran ko na po lahat ng loan ko sa sss

  17. May existing loan ako na hindi ko na nabayaran since 2005. umabot na sa P55k ang utang ko.

    Since, wala ngayong condonation program, pwede ko ba bayaran yun in terms? para mabayaran ko lahat. example, P5000 per month kung magkano ang kaya ko para lang mazero ko na yung utang ko?

    Kung pwpwede ang ganong arrangement, pano po ang process?



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