Can the SSS Calamity Loan Be Combined with the SSS Salary Loan?

When disasters strike — bagyo, lindol, o baha — the SSS Calamity Loan is often the first option members consider. But many also wonder:

“Pwede ko bang pagsabayin ang SSS Calamity Loan at SSS Salary Loan para mas malaki ang makuha kong pera?”

With the SSS Calamity Loan, you can borrow up to ₱20,000, while the SSS Salary Loan offers a higher amount depending on your contributions and salary credits. But here’s the catch: you cannot combine them into one single loan, but you can have them at the same time if you meet certain conditions.

In this blog, we’ll explain:

How the two loans differ
If you can apply for both
Payment rules and eligibility
Tips to maximize your benefits

Understanding the Difference Between the SSS Calamity Loan and Salary Loan

Before deciding whether you can combine them, let’s break down the basics:

Feature	SSS Calamity Loan	SSS Salary Loan
Purpose	Financial aid during disasters	Short-term cash assistance
Maximum Loan Amount	₱20,000	Up to ₱40,000 (depends on MSC)
Interest Rate	10% per annum	10% per annum
Payment Term	24 months	24 months
Grace Period	3 months	None
Eligibility	Must live/work in a declared calamity area	Based on contributions & active status

Key takeaway: The two loans serve different purposes. You cannot merge them into one bigger loan, but you may apply for both separately if you qualify.

Can You Apply for Both Loans at the Same Time?

Yes, But With Conditions ✅

SSS allows members to have both a calamity loan and a salary loan at the same time, provided:

You qualify for each loan individually
You are in an area declared under a state of calamity (for the calamity loan)
You meet the required contributions for the salary loan
You have no unpaid balance from your previous calamity or salary loan

Eligibility Requirements for Both Loans

For SSS Calamity Loan

Must be an active SSS member
Must reside or work in a declared calamity area
Must have at least 36 posted contributions, with 6 within the last 12 months
Must not have an existing unpaid calamity loan

For SSS Salary Loan

Must be an active SSS member
Must have at least 36 posted contributions
Must have no unpaid balance from a previous salary loan

Example Scenarios: Combining Both Loans

Let’s break this down with a real-life example:

Scenario 1: Eligible for Both

Maria works in Quezon City (under a declared calamity area)
She has 48 contributions and no existing loans
She applies for:
- SSS Calamity Loan: ₱20,000
- SSS Salary Loan: ₱30,000

✅ Result: Maria gets ₱50,000 total, but she’ll have two separate loans with two separate monthly payments.

Scenario 2: Existing Salary Loan, Wants Calamity Loan

Juan has an active salary loan with a balance of ₱15,000
His area was recently hit by a typhoon
He wants to apply for a calamity loan

✅ Result: Allowed, as long as he has no unpaid calamity loan and his contributions are updated.

Scenario 3: Existing Calamity Loan, Wants Salary Loan

Ana took a ₱20,000 calamity loan last month
She now wants to apply for a salary loan

❌ Result: If Ana’s calamity loan is still active but she has enough contributions, she can apply for a salary loan. However, if she has loan arrears, her application will be rejected.

How the Two Loans Affect Each Other

The two loans are separate but they affect your loanable amount.
If you have overlapping loans, SSS deducts your unpaid balance before releasing a new loan.
If you default on one loan, it can affect approval for the other.

Why You Should Use the SSS Calamity Loan Calculator

Before applying for both loans, it’s important to compute your monthly obligations and check your eligibility.

👉 Try the SSS Calamity Loan Calculator

With this tool, you can:

Estimate your monthly payments
Check how much you can still borrow
Avoid penalties and rejection due to unpaid balances

Tips to Maximize Both Loans

Settle Outstanding Balances
- Avoid loan overlaps and penalties.
Check Your Eligibility First
- Use the SSS loan calculator before applying.
Apply During a Declared Calamity Period
- The calamity loan is only available for a limited time.
Budget Monthly Payments
- Remember, having two loans means two separate deductions.
Stay Updated on SSS Announcements
- Calamity loans are only open during declared disasters.

TL;DR (Too Long; Didn’t Read)

No, you cannot combine the calamity loan and salary loan into one big loan.
Yes, you can have both loans at the same time if you qualify individually.
Always use the SSS Calamity Loan Calculator to check how much you can borrow.

FAQs About Combining SSS Calamity and Salary Loans

1. Can I merge my calamity loan and salary loan into one payment?
No. They are treated as separate loans with different payment schedules.

2. If I already have a salary loan, can I still apply for a calamity loan?
Yes, as long as you have no unpaid calamity loan and you meet the requirements.

3. If I already have a calamity loan, can I still apply for a salary loan?
Yes, but only if your contributions are updated and you have no overdue balances.

4. Will having both loans affect my other SSS benefits?
Not directly, but if you default, SSS may deduct unpaid balances from your retirement, sickness, or maternity benefits.

5. Where can I check my eligibility for both loans?
Use the SSS Calamity Loan Calculator or log in to your My.SSS account.

Final Thoughts

You cannot combine the SSS Calamity Loan and SSS Salary Loan into a single loan, but you can have both at the same time — as long as you qualify for each separately.

Before applying, make sure to:

Check your eligibility
Compute your payments using the SSS Loan Calculator
Pay on time to avoid penalties and disqualification

By managing both loans wisely, you can maximize your benefits and keep your finances stable even during challenging times.

Can the SSS Calamity Loan Be Combined with the SSS Salary Loan?