SSS Calamity Loan Open for Areas Under State of Calamity

SSS Calamity Loan Program Now Available for Affected Members

The Social Security System (SSS) has opened its Calamity Loan Assistance Program (CLAP) to provide financial aid to its members. This initiative is for those living or working in areas declared under a State of Calamity due to the combined effects of the Southwest Monsoon and Tropical Cyclones Crising, Dante, and Emong.

This program aims to support members as they recover from the damages brought by the recent weather disturbances.

Is Your Area Covered?

To be eligible for the SSS Calamity Loan, a member must have a registered address or place of employment in any of the locations officially declared under a State of Calamity by the National Disaster Risk Reduction and Management Council (NDRRMC).

Complete List of Covered Areas

Here is the comprehensive list of covered provinces, cities, and municipalities where members can avail of the loan:

National Capital Region (NCR)

• Quezon City

• Marikina

• Navotas

• Manila

• Valenzuela

• Kalookan (Caloocan)

• Las Piñas

• Parañaque

• Muntinlupa

• Malabon

Region I - Ilocos Region

• La Union Province

• Pangasinan (Aguilar, Alaminos, Anda, Bani, Binmaley, Bolinao, Burgos, Infanta, Labrador, Lingayen, Basista, Mangatarem, Urbiztondo, Bayambang, Calasiao, Malasiqui, Mangaldan, San Carlos, Santa Barbara, Dagupan and Umingan)

Cordillera Administrative Region (CAR)

• Benguet (La Trinidad and Tuba)

Region III - Central Luzon

• Bataan Province

• Pampanga Province

• Bulacan (Balagtas, Bocaue, Calumpit, Paombong, Hagonoy, Guiguinto, Meycauayan, Obando, Marilao and Bulakan)

• Tarlac (Paniqui, Camiling and Moncada)

• Zambales (Masinloc)

Region IV-A - CALABARZON

• Cavite Province

• Batangas (Agoncillo, Nasugbu, San Luis, Tanauan, Tingloy and Laurel)

• Rizal Province

• Laguna Province

Region IV-B - MIMAROPA

• Oriental Mindoro Province

• Occidental Mindoro Province

• Palawan (Roxas)

• Romblon (Concepcion)

Region VI - Western Visayas

• Antique Province

• Iloilo (Pototan)

Region VII - Central Visayas

• Cebu City

SSS Calamity Loan Program Highlights

If you are an eligible member, here are the key features of the loan program:

• Loan Amount: You can borrow an amount equivalent to one month's salary credit (MSC) or up to a maximum of ₱20,000.

• Interest Rate: The loan comes with a low interest rate of 7% per annum. For renewed loans with a past condonation, the rate is 10% per annum.

• Payment Term: The loan is payable in 24 equal monthly installments, giving you a two-year period to repay.

• Renewal Option: Members may be eligible to renew their calamity loan after just 6 months.

How to Apply and Get More Information

For the complete guidelines and application procedure, members are advised to read SSS Circular 2025-006. You can also scan the QR code found in the official SSS advisories to get the full details of the SSS Calamity Loan Program. Ensure you have your SSS number and required documents ready when you decide to apply through the official SSS channels.

Reference: The New Guidelines for SSS Calamity Loan Program