About SSS
The SSS Mandate（https://www.sss.gov.ph/the-sss-mandate/）
Social Security Commission（https://www.sss.gov.ph/ss-commission/）
Management Directory（https://www.sss.gov.ph/management-directory/）
Citizen’s Charter（https://www.sss.gov.ph/wp-content/uploads/2026/07/2026-SSS-Citizens-Charter-1st-Edition-External-Services.pdf）
Annual Reports（https://www.sss.gov.ph/sss-annual-reports/）
Membership & Coverage
Become an SSS Member（https://www.sss.gov.ph/become-an-sss-member/）
Compulsory Coverage（https://www.sss.gov.ph/compulsory-coverage/）
Employers（https://www.sss.gov.ph/employer-er/）
Employees（https://www.sss.gov.ph/employees/）
Household Employers（https://www.sss.gov.ph/household-employer/）
Kasambahay（https://www.sss.gov.ph/kasambahay）
Self-Employed（https://www.sss.gov.ph/self-employed/）
Overseas Filipino Workers (OFWs)（https://www.sss.gov.ph/ofw-member/）
Voluntary Coverage（https://www.sss.gov.ph/voluntary-coverage/）
Voluntary Members（https://www.sss.gov.ph/voluntary-member/）
Non-working Spouse（https://www.sss.gov.ph/non-working-spouse/）
SSS for Filipinos Abroad（https://www.sss.gov.ph/sss-for-filipinos-abroad/）
Know about the OFW Coverage Program（https://www.sss.gov.ph/ofw-member/）
Check the Bilateral Social Security Agreements（https://www.sss.gov.ph/bilateral-agreements/）
Continuing SSS Membership as an Immigrant（https://www.sss.gov.ph/voluntary-member/）
Get a Pension Account Abroad（https://www.sss.gov.ph/pension-account/）
Pay Contributions（https://www.sss.gov.ph/pay-contribution/）
SSS Payment Channels（https://www.sss.gov.ph/sss-payment-channels/）
SSS Contribution Table（https://www.sss.gov.ph/sss-contribution-table/）
MySSS Pension Booster（https://www.sss.gov.ph/mysss-pension-booster/）
MySSS Card（https://www.sss.gov.ph/mysss-card/）
News（https://www.sss.gov.ph/news-and-updates/）
Benefits
Social Security Benefits（https://www.sss.gov.ph/benefits/）
Sickness（https://www.sss.gov.ph/sickness-benefit/）
Maternity（https://www.sss.gov.ph/maternity-benefit/）
Disability（https://www.sss.gov.ph/disability-benefit/）
Retirement（https://www.sss.gov.ph/retirement-benefit/）
Death（https://www.sss.gov.ph/death-benefit/）
Funeral（https://www.sss.gov.ph/funeral-benefit/）
Unemployment（https://www.sss.gov.ph/unemployment-benefit/）
Employees’ Compensation Program（https://www.sss.gov.ph/employees-compensation-program/）
Loans
Member Loans（https://www.sss.gov.ph/loans/）
Salary Loan（https://www.sss.gov.ph/salary-loan/）
SSS LoanLite（https://www.sss.gov.ph/sss-loanlite/）
Calamity Loan（https://www.sss.gov.ph/calamity-loan/）
Emergency Loan Program（https://www.sss.gov.ph/sss-emergency-loan-program/）
Pension Loan Program（https://www.sss.gov.ph/new-pension-loan-retiree/）
Conso Loan Program（https://www.sss.gov.ph/sss-conso-loan-program/）
Option to Sell Shares of Stocks Program（https://www.sss.gov.ph/option-to-sell/）
Pay Loans（https://www.sss.gov.ph/pay-loans/）
Laws & Circulars
Social Security Laws（https://www.sss.gov.ph/social-security-laws/）
SSS Circulars（https://www.sss.gov.ph/sss-circulars/）
SSC Rules of Procedure（https://www.sss.gov.ph/ssc-rules-of-procedure/）
Opportunities
Public Bidding（https://www.sss.gov.ph/bidding_category/invitation-to-bid/）
Small Value Procurement（https://www.sss.gov.ph/svp_office/main-office/?_sfm_category=Request%20for%20Quotation）
Assets for Sale/Lease（https://www.sss.gov.ph/assets_for_sale/）
Properties Available for Sale（https://www.sss.gov.ph/acquired_assets/）
Careers（https://www.sss.gov.ph/jobsatsss/）
Contact Us（https://www.sss.gov.ph/contact-us/）
Login to My.SSS（https://sso.sss.gov.ph/sso/auth/redirect）
Pension Loan? Sa SSS meron n'yan!
Mataas ang loanable amount at mas mababa ang interest rate, sigurado ka pang safe and secured!
RETIREE（https://www.sss.gov.ph/new-pension-loan-retiree/）
SURVIVOR（https://www.sss.gov.ph/new-pension-loan-survivor/）
Login to Apply（https://sso.sss.gov.ph/sso/auth/redirect）
A cash loan granted to retirement and surviving spouse pensioners which aims to assist them in their financial needs through a loan window which does not require ATM cards as collateral, and at a low interest rate.
Qualifying Conditions
Loan Details
How to Apply
Loan Renewal
Qualifying Conditions
The SSS Pension Loan is a safe and secured loan privilege for pensioners who will meet the following conditions:
Retiree Pensioners
Must be registered in the SSS website with updated contact information and enrolled/existing disbursement account;
Must be eighty-five (85) years of age or below at the end of the month of the loan term.
Sample Illustration:
Maximum Age at Time of Availment Loan Term
84 years and 4 months 6 months
83 years and 10 months 12 months
82 years and 10 months 24 months
Must have no deductions from their monthly pension;
Must have no existing advance pension under the SSS Calamity Loan Package;
Must be receiving their monthly pension for at least one (1) month and the status of pension is “Active”. If the retiree-pensioner availed the 18 months advance pension, they must be receiving their monthly pension for at least one (1) month;
Must not have been disqualified due to fraud committed against the SSS.
Loan Details
Retiree Pensioners
Loanable Amount
The loanable amount shall be the Aggregate Monthly Pension, multiplied by 3, 6, 9, or 12 months, at the option of the borrower, but not to exceed the maximum limit of Php300,000.00, with fixed loan terms, as follows:
Option Loan Amount Repayment Term
1 3 × Aggregate Monthly Pension 6 months
2 6 × Aggregate Monthly Pension 12 months
3 9 × Aggregate Monthly Pension 24 months
4 12 × Aggregate Monthly Pension
Dependent’s pension, if any, is not included in the computation of the loanable amount.
The loanable amount and loan term shall take into consideration the Net Take Home Pension (NTHP), which must be at least 40% of the Aggregate Monthly Pension.
In case the loanable amount will not satisfy the 40% NTHP requirement, said amount shall be recomputed to result in a monthly amortization equivalent to the Aggregate Monthly Pension less the required NTHP.
Interest Rate and Service Fees
The PL shall incur an interest of ten percent (10%) per annum until fully paid, computed on the diminishing principal balance, which shall become part of the monthly amortization. Any remaining principal balance after the loan term shall continue to incur interest of 10% per annum until fully paid.
A Service Fee of two percent (2%) of the loan amount shall be charged and deducted from the PL proceeds.
Pro-rated interest at the rate of ten percent (10%) per annum from the date of PL granting up to the end of the month prior to the first amortization month shall be deducted in advance from the PL proceeds.
Fees and Charges of Disbursing Bank
Any transaction fees charged by the disbursing bank shall be borne by the borrower through deduction by the disbursing bank from the PL proceeds.
Disbursement of Pension Loan Proceeds
The proceeds of the loan shall be released through Electronic Funds Transfer Facilities and shall be credited to the borrower’s existing pensioner disbursement account, or to any other disbursement account enrolled through the DAEM per applicable policies and guidelines.
Monthly Amortization
The monthly amortization of the PL shall be deducted from the Aggregate Monthly Pension of the borrower.
The 1st monthly amortization shall become due on the 2nd month after the loan was granted.
Sample Illustration:
Month of Loan Granting Start of Amortization
January March
Credit Life Insurance
The PL shall be covered by a CLI with the SSS as the sole designated beneficiary. The insurance premium shall be borne by the borrower through a one-time deduction from the loan proceeds.