How Do I Reconcile My Employer’s Deductions with My SSS Loan Statement?

Ever wondered why your SSS loan deductions don’t match what you see online?

You’re not alone! Maraming SSS members ang nagugulat kapag nakita nila sa SSS Loan Statement na hindi pa posted ang payments kahit regular naman silang binabawasan ng employer bawat buwan.

Don’t worry — it doesn’t always mean may problema. Sometimes, posting delays happen, especially when employers remit in bulk or late.

In this article, we’ll explain how to check and reconcile your employer’s deductions with your SSS Salary Loan Statement — step by step.

🔍 First, What Is the SSS Salary Loan Statement?

Your SSS Salary Loan Statement is your official record of all loan-related transactions — from release, monthly amortizations, interest, and penalties (if any).

You can view it in your My.SSS account under:

“Inquiry” → “Loans Info” → “Salary Loan.”

Here you’ll see:

Loan amount approved
Date of release
Amortization schedule
Posted payments (as received from your employer)
Outstanding balance

Think of it as your loan ledger. It’s where you confirm if every salary deduction your employer made has been remitted and reflected.

💡 Why Employer Deductions May Not Match Your SSS Statement Yet

Let’s say your employer deducted ₱1,200 every month starting July, but your SSS account only shows payments until May.

Here are common reasons why this happens:

Late Employer Remittance – Employers are required to remit SSS payments within the first 10 days of the following month. If they miss it, posting gets delayed.
Batch Posting by SSS – Sometimes, remittances are received but not yet reflected online while waiting for system posting.
Incorrect Payment Reference – If your employer entered a wrong payment reference number, the payment may not automatically match your account.
Loan Renewal or Adjustment – If you renewed your loan, previous deductions may have been adjusted or reclassified.
Transition from Manual to Online Payment – Some companies switch from bank remittance to the SSS Payment Reference Number (PRN) system, which can cause short delays in posting.

So, kung hindi pa nakikita ang latest payments mo, observe muna ng 1–2 posting cycles (usually 1–2 months).

🧾 Step-by-Step: How to Reconcile Your Deductions vs. SSS Loan Statement

🪙 Step 1: Gather Your Payslips

Ask for copies of your monthly payslips showing the “SSS Loan Deduction.”
Example:

July 2025 Payslip — SSS Loan Deduction: ₱1,200

This will serve as your proof that your employer deducted the amount.

💻 Step 2: Log In to Your My.SSS Account

Go to https://member.sss.gov.ph and click “Inquiry → Loans Info → Salary Loan.”

Take note of the “Payment Posting Dates” and compare them to the deduction months in your payslips.

If deductions appear on your payslip but not yet on the SSS portal, note those months for follow-up.

🏢 Step 3: Confirm with Your Employer or HR

Contact your HR or payroll department. You can say:

“Hi, I just checked my SSS Loan Statement, and I noticed my payments from July to August haven’t posted yet. May I confirm if they’ve been remitted to SSS?”

Your employer should provide you with a proof of remittance (Payment Reference Number or PRN acknowledgment receipt).

🧮 Step 4: Recalculate Your Loan Balance

Once your employer confirms remittance, you can estimate your updated balance using the
👉 SSS Salary Loan Calculator.

The calculator helps you project how much your remaining balance should be based on:

Loan amount
Interest rate (8% per annum)
Term (12 or 24 months)
Actual payments made

This helps you see if the figures align with your SSS record.

📅 Step 5: Wait for Official Posting or Visit the SSS Branch

If confirmed remitted but still not posted after 2–3 months, bring your payslips and employer’s proof of payment to the nearest SSS branch.

Ask for a Loan Payment Verification — they can manually trace your payment and update your record.

📘 Understanding How SSS Loan Repayments Work

Your loan payments are deducted by your employer and remitted monthly to SSS — along with your contribution.

Here’s how the system works:

Interest rate: 8% per annum based on the diminishing balance
Loan term: 24 months (for 2-year loan) or 12 months (for 1-year loan)
Penalty for late remittance: 1% per month (charged to employer)
Service charge: 1% of loan amount (deducted on release)

For example:
If you got ₱20,000 loan and pay ₱900 monthly, your balance reduces every month — interest applies only to the remaining amount.

So if the employer delays payment, the interest continues to accrue until the remittance posts.

🧾 Real-Life Example

Let’s say your employer deducted ₱1,200/month from July to December 2025, but SSS only shows payments until September.

Here’s how to reconcile:

Month	Deducted (Payslip)	SSS Posting	Status
July	₱1,200	Posted	✅
August	₱1,200	Posted	✅
September	₱1,200	Posted	✅
October	₱1,200	Not yet	⏳ Wait for posting
November	₱1,200	Not yet	⏳ Wait for posting
December	₱1,200	Not yet	⏳ Wait for posting

If the missing months persist after two months, follow up with HR and SSS branch verification.

⚙️ Common Issues When Reconciling Payments

Multiple Employers: If you changed jobs, your new employer may not yet have your loan account linked.
Partial Remittance: Employer paid contributions but not the loan part.
Loan Renewal Overlap: If you renewed your loan early, some payments went to your old balance first.
Employer Non-Compliance: In rare cases, employers deducted but failed to remit — this can be reported to SSS for investigation.

🧭 What To Do If Your Employer Fails to Remit

If proven na hindi talaga nag-remit ang employer:

File a report at your nearest SSS branch or
Submit a complaint via SSS Email/Hotline with copies of your payslips as proof of deduction

SSS will verify and charge the employer for unpaid remittances, ensuring your account is updated.

⚡ TL;DR Summary

If your employer deducted SSS loan payments but they don’t show on your SSS account:

Gather payslips
Check your My.SSS loan statement
Verify remittance with your HR
Use the SSS Salary Loan Calculator to compare balances
Visit SSS if unposted after 2–3 months

✅ Always keep payslips and copies of PRN receipts for easier reconciliation.

❓FAQs

1. How long before SSS posts employer remittances?
Usually within 1–2 months after payment, depending on the remittance schedule.

2. Can I pay my SSS loan directly even if I’m employed?
No, your employer must remit it. Only voluntary or self-employed members can pay directly.

3. What if my employer didn’t remit at all?
Report to SSS with proof (payslips, emails). SSS will handle the case and update your records.

4. Will my loan accrue penalties if employer delays remittance?
Penalties are charged to the employer, but your record may show unpaid months until corrected.

5. Can I still renew my loan if remittances are not up-to-date?
No. SSS requires updated loan and contribution payments before you can renew.

✅ If you want to estimate your balance or verify your loan eligibility, try the
👉 SSS Salary Loan Calculator for accurate and easy computation.