Ever wondered how much you’ll actually pay each month for a ₱25,000 SSS Salary Loan? 🤔
Whether you’re planning to cover school expenses, pay bills, or fund a small side hustle, knowing your exact monthly amortization helps you plan smarter and avoid surprises.
In this easy guide, we’ll walk through: ✅ How much you’ll really take home, ✅ Your monthly payments (in pesos, rounded), and ✅ The complete amortization schedule for 24 months.
Let’s make your SSS loan simple, clear, and easy to manage. 💡
🏦 What Is an SSS Salary Loan?
The SSS Salary Loan is a short-term cash benefit for active members of the Social Security System. It’s payable in 24 months at 8% annual interest, deducted monthly through your employer (or directly paid by voluntary/self-employed members).
Unlike most loans, it’s secured against your SSS benefits — so it’s safer and has lower interest than typical bank loans.
🧾 Loan Snapshot
Detail
Description
Loan Amount
₱25,000
Interest Rate
8% per annum (diminishing balance)
Loan Term
24 months
Service Charge
1% (₱250)
Pro-Rated Interest (44 days)
₱241
Net Proceeds
₱24,509
Monthly Amortization
₱1,052
Total Interest (Approx.)
₱1,986
👥 Who Can Apply for an SSS Salary Loan?
Requirement
Description
Active Membership
Must be an active SSS member.
Contributions
At least 36 posted (1-year loan) or 72 (2-year loan).
Recent Payments
6 contributions within the last 12 months.
Employment
Employed, self-employed, or voluntary.
Loan Record
No delinquent or unpaid loan balance.
Employer Status
Employer must be actively remitting to SSS.
💡 Tip: Always verify your latest contribution status before applying to avoid disqualification delays.
💰 ₱25,000 Loan Computation
Item
Formula
Amount
Loan Amount
—
₱25,000
Service Charge (1%)
₱25,000 × 1%
₱250
Pro-Rated Interest (44 days)
₱25,000 × 8% × 44 ÷ 365
₱241
Total Deductions
₱250 + ₱241
₱491
Net Proceeds
₱25,000 − ₱491
₱24,509
So you’ll receive around ₱24,509 in your registered UMID-ATM or bank account.
📅 Payment Schedule
If your loan is approved on March 17, 2025, the pro-rated interest covers from March 17 to April 30 (44 days). Your first payment starts May 2025, ending in April 2027 — a total of 24 monthly payments.
Just enter your loan amount and it will compute your monthly amortization, total interest, and net proceeds in seconds!
💬 FAQs
1️⃣ How much will I receive for ₱25,000? Around ₱24,509, after service charge and pro-rated interest.
2️⃣ How much will I pay monthly? ₱1,052 per month for 24 months.
3️⃣ Can I pay my SSS loan earlier? Yes — no penalties for early or full settlement.
4️⃣ When does payment start? Usually two months after loan approval.
5️⃣ What happens if I don’t pay on time? A 1% penalty applies monthly, and it can affect your loan renewal eligibility.
💭 Final Thoughts
A ₱25,000 SSS Salary Loan gives you flexible cash with manageable payments. With ₱1,052/month, it’s easy to fit into your budget — plus, you enjoy government-backed low interest rates.
Always remember: ✔ Keep contributions updated ✔ Pay on time ✔ Use the SSS Salary Loan Calculator for smart budgeting
That’s how you stay in good standing — and ready for your next SSS benefit!
