The SSS Salary Loans and Pag-IBIG Fund are among the top-of-mind choices when it comes to borrowing money for cash-strapped Pinoys. These types of loans offer low interest rates and convenient repayment methods. Getting these government-issued personal loans is also a great way to maximize ones membership.
Pag-IBIG multi-purpose loans can be used to pay for a wide range of expenses, including home improvement, education, livelihood and health. This type of loans provide short-term financial assistance to more than 2 million members each year. On the other hand, SSS qualified members, can avail salary loans that are designed to meet immediate financial needs of qualified SSS members.
If you are having a hard time choosing between these two government loans to borrow money, it’s a good idea to compare them first. Know their differences and find out which one suits you better.
SSS Loan and Pag-IBIG Requirements

For a personal loan from Pag-IBIG or SSS, the first thing you have to check is whether you qualify or not. You must be an active member and you must have paid the minimum contributions and meet other conditions set by the loan provider.
Pag-IBIG Loan Requirements
If you meet the required minimum of 24 monthly membership savings, you’re eligible for a Pag-IBIG salary loan. You should also at least one monthly contribution within the last six months before your loan application date.
Before applying for Multi-Purpose, Calamity or Housing Loan, make sure your it isn’t in default.
SSS Loan Requirements
For SSS, the required minimum monthly contributions to qualify for a loan is a bit longer than of Pag-IBIG.
You must have paid at least 36 total monthly contributions and at least six monthly contributions if you are applying for a loan worth your one-month salary within the last 12 months before your application date.
Meanwhile, the minimum requirements are 72 total monthly contributions and 6 monthly contributions within the last 12 months for two-month salary loans.
You might be disqualified from the SSS loan if your employer isn’t remitting your SSS contributions on time even if you meet the above requirements. By signing up for a My.SSS account at the SSS official website, you can check the status of your contributions online. If the SSS loan applicant is over 65 years old; or has received final benefits such as retirement; total permanent disability or etc.; and has committed fraud against SSS, he or she might not be approved
SSS and Pag-IBIG: How Much You can Borrow?

Pag-IBIG: Loan Amount
It will depend on your preferred loan amount, loan entitlement, or capacity to pay, whichever is the lowest the amount you can borrow from the Pag-IBIG Fund.
You can borrow 80% of your total accumulated value or TAV in terms of loan entitlement. What is TAV? TAV consists of all your monthly contributions, employers’ contributions, and accumulated Pag-IBIG dividends. But lower if you have an existing calamity loan.
If you have calamity loan, Pag-IBIG Fund will deduct your outstanding loan balance from 80% of your TAV.
SSS Loan Amount
SSS members can borrow an amount equal to their one-month salary up to 15,000 pesos given they have at least 36 monthly contributions. Members are entitled to a two-month loan worth twice their salary up to 30,000 pesos if they have at least 72 monthly contributions.
SSS and Pag-IBIG Loan Interest Rates and Fees
Interest Rates
SSS imposes a 10% annual interest rate on the outstanding principal balance while Pag-IBIG Fund charges an interest rate of 10.75% per year throughout the loan term. The interest becomes lower as the loan gets paid over time or what we know as diminishing interest.
Loan Processing Fees
SSS deducts a service fee of 1% of the total loan amount for each SSS salary loan processing while the Pag-IBIG multi-purpose loan doesn’t come with a processing fee.
Late Payment Penalties
For Pag-IBIG multi-purpose loans, it’s 0.5% of the unpaid amount for every month of late payment. For SSS salary loans, the penalty is 1% per month.
Timeline for SSS and Pag-IBIG to Process Loans

It’s important to know the loan processing times aside from the benefits and fees. The better you can meet your immediate financial needs if you personal loan is released sooner.
You’ll have to wait for at least three to five working days if you apply for a Pag-IBIG multi-purpose loan. If your loan will be released via check or if you have records with other Pag-IBIG branches, it might take several days longer. While SSS salary loans take longer to process, whether you apply online or at an SSS branch at around 2 to 3 weeks.
Releasing a Loan for SSS and Pag-IBIG
Modes of loan release for Pag-IBIG multi-purpose loan borrowers:
*Check payable to the borrower
*ATM withdrawal using a prepaid or cash card (Land Bank, Citibank, Development Bank of the Philippines)
*Bank account via Land Bank’s Payroll Credit Systems Calidation or PACSVAL facility
Either check or ATM withdrawal through their Unified Multi-Purpose ID (UMID) card, SSS borrowers can choose between the two.
Repayment Terms of SSS and Pag-IBIG Salary Loans
Loan terms and grace periods for SSS and Pag-IBIG’s personal loans are the same. They require repayment over 24 months, starting in the 2nd month from the loan approval date.
SSS and Pag-IBIG salary loans are both generally paid monthly via salary deduction. Monthly installments can be paid to any SSS or Pag-IBIG branch or any accredited banks and payment centers for voluntary or self-employed members.
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