SSS · Pag-IBIG · GSIS · Updated 2026
Government Loans Philippines
Compare SSS, Pag-IBIG, and GSIS loan programs. Rates, amounts, eligibility, and how to apply — all in one place.
10% p.a.
SSS Salary Loan Rate
10.5% p.a.
Pag-IBIG MPL Rate
6% p.a.
GSIS Loan Rate
₱6,000,000
Pag-IBIG Housing Max
All Programs
Government Loan Programs
SSS
Social Security System
Salary Loan
Most PopularLoan Amount
Up to ₱32,000
Rate
10% p.a.
Term
24 months
Eligibility
At least 36 monthly contributions, 6 in last 12 months
Processing
3–5 business days
Calamity Loan
EmergencyLoan Amount
Up to ₱32,000
Rate
10% p.a.
Term
24 months
Eligibility
Affected by declared calamity, at least 36 contributions
Processing
3–5 business days
Educational Loan
EducationLoan Amount
Up to ₱100,000/year
Rate
8% p.a.
Term
Up to 5 years
Eligibility
Member or dependent enrolled in college
Processing
5–10 business days
Side by Side
SSS vs Pag-IBIG vs GSIS
Feature
SSS
Pag-IBIG
GSIS
Who Can Apply
Private sector employees, self-employed, OFWs
Private & gov't employees, self-employed, OFWs
Government employees only
Loan Amount
Up to ₱32,000 (salary loan)
Up to ₱6M (housing)
Up to ₱500,000
Interest Rate
10% p.a.
5.95%–10.5% p.a.
6% p.a.
Min. Contributions
36 months
24 months
3 years service
Processing Time
3–5 days
3–20 days
1–7 days
Online Application
Yes (My.SSS)
Yes (Virtual Pag-IBIG)
Yes (GSIS eCard)
OFW Eligible
Yes
Yes
No
Housing Loan
No
Yes (up to ₱6M)
Yes (GSIS housing)
Step by Step
How to Apply Online
SSS Online Application
- 01
Log in to My.SSS portal (my.sss.gov.ph)
- 02
Go to E-Services → Apply for Salary Loan
- 03
Verify your contributions and eligibility
- 04
Submit application and upload requirements
- 05
Receive approval via email in 3–5 days
- 06
Loan credited to your bank account or SSS card
Pag-IBIG Online Application
- 01
Log in to Virtual Pag-IBIG (virtualpagibig.com)
- 02
Go to Loans → Multi-Purpose Loan
- 03
Check your Total Accumulated Value (TAV)
- 04
Fill out application form online
- 05
Upload valid ID and payslip
- 06
Receive approval in 3–5 business days
Common Questions