Can I Avail SSS Salary Loan and Calamity Loan at the Same Time? (2025 Complete Guide)
If you’re an SSS member who already has a salary loan but suddenly faces a natural disaster or emergency, you might be wondering:
“Pwede ko bang sabay i-avail ang SSS Salary Loan at Calamity Loan?”
The short answer: ✅ Yes, it’s possible — but with conditions.
Let’s explain this clearly so you know what to expect and how to apply correctly.
đź’ˇ Quick Overview: What Are These Two Loans?
Before we compare them, let’s understand what each loan is for.
🏦 SSS Salary Loan
A Salary Loan is a cash loan for active SSS members meant for personal or family needs — like bills, education, or emergencies.
It has:
- 8% interest per year
- 12 to 24 months to pay
- Based on your Average Monthly Salary Credit (AMSC)
You can estimate your loan using the 👉 SSS Salary Loan Calculator.
🌪️ SSS Calamity Loan
The Calamity Loan is special financial assistance for members in areas officially declared under a state of calamity (by the government).
It offers:
- Lower interest rate (usually 6% per year)
- Payable in 24 months
- 3-month moratorium (no payment right away)
- Must apply within 3 months from the calamity declaration
⚖️ Can You Avail Both Salary Loan and Calamity Loan?
Here’s the key rule:
✅ You can apply for both, but not at the same time — unless your salary loan is in good standing.
💬 What “in good standing” means:
- Your salary loan must not be overdue.
- All monthly amortizations must be paid on time.
- You have no other delinquent SSS loans (like Educational or Housing).
Once your Salary Loan is updated, you can apply for the Calamity Loan if:
- Your area is under a declared state of calamity.
- You meet the contribution and eligibility requirements.
🧾 Eligibility Requirements for Both Loans
| Requirement | Salary Loan | Calamity Loan |
|---|---|---|
| Active SSS Membership | âś… Required | âś… Required |
| Posted Contributions | 36 total (6 recent) | 36 total (6 recent) |
| Employer is Updated | âś… Yes (for employees) | âś… Yes (for employees) |
| Area Declared Under Calamity | ❌ Not required | ✅ Required |
| Loan Status | No overdue loan | Salary loan must be updated |
| Payment Term | 12 or 24 months | 24 months |
| Interest Rate | 8% per year | 6% per year |
| Service Fee | 1% | 1% |
🧮 Example: You Already Have a Salary Loan
Let’s say:
- You have a ₱20,000 Salary Loan payable in 24 months.
- You’ve already paid 8 months of amortization.
- Then a typhoon hits your province and your area is declared under state of calamity.
👉 You can still apply for a Calamity Loan, as long as your salary loan is updated and you meet the contribution requirements.
SSS will review your loan records first before approving the new application.
⚠️ When You Cannot Avail Both Loans
You won’t be allowed to avail both if:
- ❌ Your salary loan is overdue or delinquent.
- ❌ You have another outstanding SSS short-term loan that’s not updated.
- ❌ You’re not in a declared calamity area.
- ❌ You don’t meet the required contributions.
In short — make sure you’re an active and updated member before applying.
đź“‹ Step-by-Step: How to Apply for Calamity Loan (If You Already Have a Salary Loan)
- Log in to My.SSS (www.sss.gov.ph)
- Go to E-Services → Apply for Calamity Loan
- The system will check:
- If your area is under a calamity declaration
- If you’re eligible and updated
- Select your PESONet-accredited bank (the same one you use for your salary loan is recommended)
- Submit your application
- Wait for SSS confirmation via email or text
Usually, funds are credited within 3–5 working days after approval.
đź“Š Salary Loan and Calamity Loan Comparison
| Feature | Salary Loan | Calamity Loan |
|---|---|---|
| Purpose | General personal or family use | Financial relief after calamity |
| Interest Rate | 8% per year | 6% per year |
| Payment Term | 12 or 24 months | 24 months |
| Moratorium | None | 3 months |
| Service Fee | 1% | 1% |
| Eligibility | 36 contributions, 6 recent | Same + must be in calamity area |
| Can Avail Both? | Yes, if Salary Loan is updated | Yes, if Salary Loan is not overdue |
đź“… How Repayment Works
- Both loans are deducted from your salary (if employed).
- Self-employed and voluntary members can pay at SSS-accredited centers, banks, GCash, or Maya.
- You can pay in advance or fully settle early — no penalty.
- Late payments are charged 1% per month.
💬 TL;DR – Quick Summary
âś… You can apply for both SSS Salary Loan and Calamity Loan if:
- Your salary loan is updated (not overdue)
- You meet contribution requirements
- You live in an officially declared calamity area
🚫 You can’t apply if your salary loan is delinquent or you have other unpaid SSS loans.
đź’ˇ Before applying, try the SSS Salary Loan Calculator to estimate your payments and avoid overlapping obligations.
âť“ FAQs About SSS Salary Loan and Calamity Loan
1. How long does it take for SSS Calamity Loan to be approved?
Usually 3–5 working days, depending on verification and bank crediting time.
2. Can I apply for a Calamity Loan even if I just got my Salary Loan?
Yes, as long as your salary loan is current and not delinquent.
3. Can I renew my Salary Loan while paying my Calamity Loan?
No. You can only renew once you’ve paid at least 50% of your Salary Loan principal.
4. Where will SSS send my loan proceeds?
To your SSS-registered PESONet-accredited bank account.
5. What happens if I fail to pay on time?
You’ll be charged a 1% penalty per month, and it may affect your future loan or benefit applications.
✨ Final Thoughts
The SSS allows members to apply for both Salary Loan and Calamity Loan, but only if you’re responsible with payments and updated with contributions.
This gives you extra financial support during tough times — whether it’s for everyday needs or after a natural disaster.
Kung active ka at updated sa SSS, pwede mo talagang sabay i-maximize ang dalawang loan benefits na ito — nang hindi ka nababaon sa utang. 💪
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