SSS Salary Loan Questions and Answers
Real questions about eligibility, application errors, employer certification, DAEM, release, renewal, and payments.
Pwede pa ba ako magloan kahit may balance pa ako?
Yes po, puwede kang mag-renew ng SSS Salary Loan kahit may natitirang balance, basta:
Lumipas na ang 6 months mula sa approval ng current loan.
Hindi past due ang loan.
On time ang huling 3 monthly amortizations bago ka mag-apply.
Pagkatapos ibawas ang lumang balance, interest, at charges, dapat may matatanggap ka pang at least 2,000.
Ang mangyayari:
Bagong approved loan natitirang balance charges = net amount na matatanggap mo.
Halimbawa, approved ka ng 30,000 at may 12,000 pang balance, ibabawas muna ang 12,000 kasama ang applicable charges bago i-release ang natira.
Kapag past due o delayed ang payments mo, maaaring hindi ka muna makapag-renew. Makikita agad sa My.SSS Loans Apply for Salary Loan kung eligible ka at magkano ang estimated net proceeds.
Qualified Dow ako pero bakit. Mas mbab ang net proceeds or presta the exact errow messss sa my ssd
Hi po Sir Kenneth Kahit qualified ka sa SSS Salary Loan, possible pa rin na mas mababa ang **net proceeds** kaysa sa approved/gross loan amount.
Common reasons:
- may **1% service fee**
- may **pro-rated interest**
- may existing or previous short-term loan balance na ibabawas, kung applicable
- maaaring mas mababa ang actual approved loan amount base sa SSS records
Makikita sa **SSS Loan Voucher** ang breakdown ng approved amount, deductions, at net proceeds.
Bakit mas mababa ang net proceeds?
https://sssmaternitybenefitscalculator.com/sss-salary-loan/what-does-net-proceeds-mean-on-the-sss-loan-voucher/
Estimate your loan, net proceeds, at monthly payment:
https://sssmaternitybenefitscalculator.com/sss-salary-loan-calculator/
Kung may exact error/message na lumalabas sa My.SSS, paki-send din po yung exact wording or screenshot para masabi natin kung ano talaga ang dahilan.
Gusto Kong Malaman kung magkano Ang unang loan na pwedi sa akin
Hi mommy Para malaman kung magkano ang first SSS salary loan mo, check muna kung ilang posted contributions meron ka.
Kung may at least 36 posted monthly contributions and at least 6 contributions within the last 12 months, possible ka for 1-month salary loan.
Ang amount is based sa average ng latest 12 posted MSCs, not exactly sa basic salary mo. Kung maximum MSC ang latest 12 months mo, mas mataas ang loanable amount.
Kung may 72 posted contributions, possible naman for 2-month salary loan.
Pinaka-sure mommy: check sa My.SSS > Loans > Salary Loan, doon lalabas ang actual loanable amount mo.
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