SSS Emergency Loan Guidelines 2026: Circular 2025-011

The Social Security System has issued Circular No. 2025-011, establishing the official guidelines for the SSS Emergency Loan Program. This directive is crucial for members residing in the Philippines who are affected by large-scale disasters, providing a structured way to access financial aid during a State of National Calamity.

If you are an SSS member seeking immediate relief, this guide breaks down the eligibility rules, loan computations, and application steps mandated by the new circular for 2026.

Quick Summary: SSS Emergency Loan at a Glance

For members needing quick information, here are the key details of the program:

Loan Amount: Average of your last 12 Monthly Salary Credits (MSCs)

Payment Term: 30 Months total (includes 6 months moratorium)

Interest Rate: 7% per annum (diminishing principal balance)

Application Mode: Online via My.SSS Portal

Coverage: Areas under State of National Calamity

Eligibility Requirements

To qualify for the Emergency Loan under Circular 2025-011, a member must meet specific contribution and residency requirements. You are eligible if you meet the following conditions:

  • Contribution Record: You have at least 36 monthly contributions, with six (6) of these posted within the last 12 months prior to the month of application.

  • Residency: You are a resident of the Philippines with a valid local home address in the SSS database.

  • Location: You live or work in an area declared under a State of National Calamity by the President or the NDRRMC.

  • No Final Benefit: You have not been granted a final benefit, such as retirement or total permanent disability.

  • Clean Record: You have no past due SSS Short-Term Member Loans (Salary, Calamity, or Emergency) and have not been disqualified due to fraud.

  • Bank Enrollment: You have an active Disbursement Account enrolled in the DAEM (Disbursement Account Enrollment Module) on the My.SSS portal.

Loan Amount and Interest Rates

The circular sets specific calculations for the loan amount and interest rates to ensure sustainability.

How Much Can You Borrow?

The loanable amount is equivalent to the average of your 12 latest posted Monthly Salary Credits (MSCs) rounded up to the nearest thousand. However, if you apply for a lower amount, SSS will grant the specific amount applied for.

Interest Rates

  • 7% per annum: This is the standard rate for new Emergency Loan applications and renewals for members with good standing.

  • 10% per annum: This rate applies to loan renewals if the borrower previously availed of a penalty condonation program within the last five years.

Net Proceeds

If you have an existing outstanding balance from a previous Emergency Loan or Calamity Loan, it will be deducted from the proceeds of your new loan. The minimum net proceed released to your bank account will be Php 1,000.

Repayment Terms: 30 Months to Pay

The Circular introduces a relief-oriented payment schedule to help members recover before they start paying:

  • Moratorium Period: Borrowers are given a 6-month grace period where no payments are required.

  • Amortization Period: Regular monthly payments begin on the 7th month and continue for 24 equal monthly installments.

How to Apply Online

Applications are strictly digital to ensure safety and speed.

  1. Log in to your My.SSS account at the SSS website.

  2. Go to Loans: Select Apply for Emergency Loan under the Loans tab.

  3. Update Info: Ensure your local address and contact details are current.

  4. Select Calamity: Choose the specific State of National Calamity declaration relevant to your area.

  5. Submit: Agree to the Terms and Conditions and submit your application.

Note for Employed Members: Your employer must certify your application online through their own My.SSS account before the loan is processed.

Frequently Asked Questions

Can I renew my loan if it is not yet fully paid? Yes, renewal is allowed if your existing loan is not past due. You must have paid at least the last three monthly amortizations before the month of renewal.

What happens if I fail to pay on time? A penalty of 1% per month will be charged on any amortization not remitted by the due date. If the loan remains unpaid after the term, it will be considered in default.

Where can I find the official document? You can view the full text of SSS Circular No. 2025-011 on the official SSS website under the Issuances section.





Reference: SSS Circular CI2025-011