SSS ₱20000 Calamity Loan 2025 Eligibility and Application Process Explained Short Information: The Social Security System (SSS) has announced the rollout of the ₱20,000 Calamity Loan Program for 2025 to assist members affected by recent natural disasters. Eligible members residing in calamity-declared areas can now apply online. Full details about the requirements and application steps are provided below.
SSS Calamity Loan 2025 Overview
| Program Name | SSS Calamity Assistance Program |
| Administered By | Social Security System (SSS), Philippines |
| Maximum Loanable Amount | ₱20,000 |
| Interest Rate | 10 percent per annum |
| Loan Term | 24 months |
| Application Mode | Online via My.SSS Portal |
| Official Website | https://www.sss.gov.ph |
Who is Eligible for the ₱20,000 Calamity Loan
Must be an SSS member currently residing in an area officially declared under a state of calamity by the NDRRMC or LGU
Have at least 36 monthly SSS contributions with 6 posted in the last 12 months
Have not been granted any final benefit (e.g. total disability or retirement)
Must not have any outstanding SSS loan under default
Has a valid My.SSS account with updated contact details
Required Documents for Application
Photocopy or scanned copy of valid government-issued ID
Proof of residence (barangay certificate or utility bill showing address in calamity area)
Active bank account or disbursement account enrolled in My.SSS portal
If applying through employer – certification of current employment (if employed)
Step-by-Step Application Process
Step 1: Visit https://www.sss.gov.ph and log in to your My.SSS account
Step 2: Go to the “E-Services” tab and click on “Apply for Calamity Loan”
Step 3: Fill in the required loan details and confirm your bank account
Step 4: Upload supporting documents if requested
Step 5: Submit the application and wait for confirmation via SMS or email
Step 6: Loan proceeds will be credited within 5 to 10 working days upon approval
Payment Terms and Conditions
Loan repayment starts on the second month after loan approval
Monthly amortization is auto-debited from the registered disbursement account or paid via SSS payment channels
Interest of 10 percent per annum based on diminishing principal balance
Late payments incur penalties and affect future loan eligibility
Important Reminders
Check if your area is officially declared under a state of calamity by the NDRRMC
Ensure your My.SSS account has correct bank details before applying
Loan approval is subject to system evaluation and disaster validation by SSS
Loan balance may be deducted from future benefits if unpaid
Important Links
| Description | Link |
|---|---|
| SSS Online Portal (My.SSS) | https://www.sss.gov.ph |
| Check Eligibility & Calamity Areas | https://crms.sss.gov.ph |
| SSS Calamity Loan FAQ | https://www.sss.gov.ph/sss/appmanager/view_article.jsp?page=calamity_loan |
| SSS Hotline | 1455 or (02) 8920-6446 |
Notes
Loan is available for a limited time only after calamity declaration
Do not share your SSS credentials with unauthorized individuals
Monitor the status of your loan application regularly via the My.SSS portal
Use only official government portals for submitting documents and inquiries