How much can you borrow, and what will it cost per month? Enter your average monthly salary credit and pick your loan type.
Check your posted MSCs in My.SSS. Loan base is capped at ₱20,000 MSC.
Estimate — My.SSS shows your exact loanable amount when you apply. A 1% service fee is deducted from the proceeds; 10% p.a. interest over 24 amortizations.
| One-month loan | Two-month loan | |
|---|---|---|
| Loanable amount | ≈ average of your last 12 MSCs | ≈ double that average |
| Contributions needed | 36 posted, 6 in the last 12 months | 72 posted, 6 in the last 12 months |
| Interest | 10% per annum, diminishing balance · 1% service fee on proceeds | |
| Term | 24 monthly amortizations | |
| Where to apply | My.SSS portal or app — disbursed to your enrolled account | |
Building the contribution history that unlocks bigger loans? See what each MSC costs on the contribution calculator.
≈ your 12-month average MSC (one-month loan) or double it (two-month). My.SSS shows the exact figure.
36 posted (one-month) or 72 (two-month), with 6 in the last 12 months either way.
10% per annum diminishing, 24 monthly payments, 1% service fee.
My.SSS portal or app; proceeds go to your enrolled bank/e-wallet.
Yes, generally after half the term is paid — the balance is netted from the new loan.
1% monthly penalty, and SSS can offset the balance against future benefit claims.