Can I Re-download the SSS Salary Loan Disclosure Statement if I Lost It?

Losing your SSS Salary Loan Disclosure Statement can be stressful — especially if you need to check your loan details, repayment terms, or interest charges. The good news? You can re-download it anytime through your My.SSS account.

In this guide, we’ll explain how to do that, what the document contains, and why it’s important for tracking your loan balance and payment schedule.

🏦 What Is the SSS Salary Loan Disclosure Statement?

The SSS Salary Loan Disclosure Statement is an official document you receive after your loan is approved. It outlines the full details of your SSS Salary Loan, including:

Approved loan amount
Net amount credited to your account after deductions
Interest rate (8% per annum based on diminishing balance)
Service charge (1% of approved loan)
Pro-rated interest deducted before release
Monthly amortization and due dates

In short, it’s your loan contract summary — showing exactly how much you borrowed and how it’s paid back.

💡 Can You Re-download It If You Lost It?

Yes. You can easily re-download your SSS Salary Loan Disclosure Statement through your My.SSS online account or the SSS Mobile App.

Here’s how to do it step by step:

Log in to your My.SSS Account.
Go to “E-Services” → “Inquiry.”
Click “Loans” → “Salary Loan.”
Under your approved loan, find the link to “Disclosure Statement.”
Click Download or Print.

You’ll get the same official version that was first generated when your loan was approved — no need to request from an SSS branch.

📄 Why the Disclosure Statement Matters

Even though many members ignore it after approval, the SSS Salary Loan Disclosure Statement is one of the most important documents for borrowers. It helps you:

Verify the exact interest and deductions made
Track loan balance and amortizations
Avoid confusion with the Statement of Account or Loan Voucher
Understand what happens if you miss payments or renew the loan

🧮 How to Check Your Loan Details (with Calculator)

If you want to double-check your expected loan amount or monthly payments, you can use the SSS Salary Loan Calculator.

This free online calculator helps estimate:

Loanable amount (based on your Monthly Salary Credit)
Estimated interest at 8% per year
Amortization per month for 12 or 24 months

Try it before applying or renewing — it gives you a clear idea of how much you can borrow.

💰 SSS Salary Loan Quick Facts and Computation Rules

Here’s a quick breakdown of official SSS computation rules for your salary loan:

Term	Details
Interest rate	8% per annum (diminishing balance)
Service charge	1% of approved loan
Loan term	12 or 24 months
Late penalty	1% per month on unpaid amortization
Pro-rated interest	Charged upfront between approval date and next month-end
Early repayment	Allowed anytime without penalty
Loan renewal	Only allowed if 50% of principal is paid

Example: Pro-rated Interest

If you’re approved for ₱20,000 on March 12, 2025:

Interest covers March 12–31 (20 days) and April (30 days) = 50 days
Annual interest = ₱1,600 (8% of ₱20,000)
Daily interest = ₱1,600 ÷ 365 = ₱4.38
₱4.38 × 50 = ₱219.18 deducted upfront

Your net loan released = ₱20,000 − ₱200 (service charge) − ₱219.18 = ₱19,580.82

👩‍💼 Who Can Apply for SSS Salary Loan?

Loan Type	Requirements
1-Year Loan	At least 36 posted contributions, 6 within the last 12 months
2-Year Loan	At least 72 posted contributions, 6 within the last 12 months

Other conditions:

Must be currently employed or self-employed with active status
No overdue SSS loan
Employer must be updated in remittances

⚖️ Common Mistakes Borrowers Make

Deleting the Disclosure Statement — then panicking when asked to present it for verification.
Confusing it with the Statement of Account — they’re not the same!
Not checking pro-rated interest deductions — many think SSS “shorted” their loan amount.
Failing to track amortizations — especially when changing employers.

Tip: Always save your PDF copy in cloud storage or email so you can re-download it anytime.

📋 TL;DR — Quick Summary

✅ You can re-download your SSS Salary Loan Disclosure Statement online.
✅ It shows your loan amount, interest, deductions, and amortization schedule.
✅ Use the SSS Salary Loan Calculator to check your potential loan.
✅ Always keep a copy for your records — it’s your proof of loan details.

❓FAQs About the SSS Salary Loan Disclosure Statement

1. Is the SSS Salary Loan Disclosure Statement the same as the Loan Voucher?
No. The Disclosure Statement details your loan computation, while the Loan Voucher shows the amount credited to your bank account.

2. Can I get a printed copy at the SSS branch?
Yes, but it’s faster to download online through My.SSS.

3. What if I can’t access my My.SSS account?
Reset your password through the login page or visit your nearest SSS branch for account recovery.

4. Can I still get my Disclosure Statement if I’ve already finished paying my loan?
Yes, SSS retains copies of your loan documents. You can still view and download them.

5. Is the Disclosure Statement needed for loan renewal?
Not required, but helpful for verifying your old loan details before applying for a new one.

✨ Final Thoughts

Your SSS Salary Loan Disclosure Statement is more than just paperwork — it’s your key to understanding your loan and staying on top of your finances.

If you ever lose it, don’t worry. Just log in to your My.SSS account and download it again. And before you reapply or renew, use the SSS Salary Loan Calculator to see how much you can borrow next.