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How Do I View My SSS Salary Loan Disclosure Statement Online?

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How Do I View My SSS Salary Loan Disclosure Statement Online?

Have you ever applied for an SSS Salary Loan and wondered how much interest or deductions were taken before you received your money? The answer is found in your SSS Salary Loan Disclosure Statement — and yes, you can view it online without visiting an SSS branch.

Many members miss this step, but this document is your official guide to understanding how your loan is computed, how much interest is charged, and when payments begin. In this guide, we’ll show you how to view your Disclosure Statement online and how to use it to confirm the total cost of your loan.

🏩 What Is the SSS Salary Loan Disclosure Statement?

The Disclosure Statement is an official document issued by the Social Security System (SSS) after your loan is approved. It breaks down all the financial details — from interest and service fees to total repayment — so you know exactly where every peso goes.

Think of it as your loan transparency sheet — it shows:

  • How much was approved
  • What fees were deducted
  • How your monthly amortization is computed
  • Your total loan cost

💡 Why It Matters to Check Your Disclosure Statement

Your Disclosure Statement helps you:

  • Verify your net proceeds (the exact amount you’ll receive after deductions).
  • Confirm interest charges and how they’re computed.
  • Understand repayment terms and due dates.
  • Avoid surprises when checking your amortization or total payment.

For example, if your approved loan is ₱20,000, but you only received ₱19,580.82, it’s because of the 1% service charge and pro-rated interest that are deducted upfront — both are explained clearly in your Disclosure Statement.

đŸ–„ïž Step-by-Step Guide: How to View Your SSS Salary Loan Disclosure Statement Online

Here’s how you can view and download your Disclosure Statement in just a few minutes:

✅ Step 1: Go to the Official My.SSS Website

Visit www.sss.gov.ph and click “Member Login.”
Make sure you have your User ID and Password ready.

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

Once logged in, you’ll be taken to your Member Portal Dashboard.

✅ Step 3: Navigate to “E-Services” → “Inquiry”

Click E-Services, then select Inquiry to access your loan information.

✅ Step 4: Choose “Loans” → “Loan Info”

This page lists all your existing and past loans, including your Salary Loan.
Click the specific Loan Account Number you want to view.

✅ Step 5: Find “Disclosure Statement” or “Disclosure Details”

Once you open the loan details, you’ll see a link labeled “Disclosure Statement” or “Disclosure Details.”
Click it to view or download your copy in PDF format.

💡 Tip: Always download and save the PDF copy. You’ll need it later if you want to review the total interest, service fee, and amortization schedule.

📑 What You’ll See in the Disclosure Statement

Your SSS Salary Loan Disclosure Statement contains key financial information such as:

SectionDescription
Loan Amount ApprovedTotal amount granted by SSS before deductions.
Service Fee (1%)Deducted automatically before release.
Pro-Rated InterestInterest from loan approval date to end of following month.
Net ProceedsAmount credited to your account after deductions.
Loan Term12 months (1-year) or 24 months (2-year) depending on your choice.
Interest RateFixed at 8% per annum (diminishing balance).
Monthly AmortizationComputed payment per month.
Total Payment DueThe overall amount you will pay back (principal + interest).

📊 Example: ₱20,000 SSS Salary Loan Breakdown

ItemDescriptionAmount
Approved LoanTotal principal₱20,000.00
Service Fee (1%)Deducted upfront₱200.00
Pro-Rated Interest50 days @ ₱4.38/day₱219.18
Net ProceedsCredited to your account₱19,580.82
Monthly Amortization24 months₱904.17
Total Payment₱904.17 × 24 = ₱21,700.08₱21,700.08
Total Cost (Interest + Fees)₱21,700.08 − ₱20,000₱1,700.08

This example shows why it’s important to check your Disclosure Statement — it’s the only way to confirm how your ₱20,000 turns into ₱21,700 total repayment over 2 years.

🔱 Want to Double-Check? Use the SSS Salary Loan Calculator

You can also compute your loan’s total cost and monthly amortization using the
👉 SSS Salary Loan Calculator.

Simply enter:

  • Your Average Monthly Salary Credit (AMSC)
  • The loan type (1-year or 2-year)
  • The interest rate (8%)

The calculator will show your estimated monthly amortization, total interest, and total repayment, helping you confirm if your Disclosure Statement is accurate.

📅 How Long Will It Take to Appear Online?

After your SSS Salary Loan is approved and released, it usually takes 1 to 3 working days for the Disclosure Statement to appear on your My.SSS account.

If you don’t see it immediately:

  • Check again after 24 hours.
  • Make sure your browser is updated.
  • Clear cache or try a different browser (e.g., Chrome or Edge).

⚠ Common Problems When Viewing Online

IssuePossible CauseSolution
Disclosure Statement not foundLoan not yet releasedWait 1–3 days after approval
Error page or loading issueBrowser cache or maintenanceTry a different browser or log in later
PDF not downloadingPop-up blocker onAllow pop-ups for sss.gov.ph
Account locked5 failed login attemptsUse “Forgot Password” to reset

💡 TL;DR (Quick Summary)

  • You can view your SSS Salary Loan Disclosure Statement through your My.SSS online account.
  • It shows the loan amount, interest, fees, and total repayment.
  • Check it 1–3 days after approval and download your PDF copy.
  • Use the SSS Salary Loan Calculator to verify your total loan cost.

❓ Frequently Asked Questions (FAQs)

1. Where can I find my SSS Salary Loan Disclosure Statement?

Log in to your My.SSS account, go to Loans → Loan Info, and click the Disclosure Statement link beside your approved loan.

2. When will it appear in my account?

Usually 1–3 days after loan approval and release. Check again if it doesn’t show immediately.

3. Can I download or print the Disclosure Statement?

Yes. You can download it as a PDF and print it anytime from your My.SSS account.

4. What if I lost my Disclosure Statement?

Simply log in again and download a new copy. There’s no need to visit an SSS branch.

5. Can I use the Disclosure Statement to compute my total loan cost?

Yes. It lists all the fees, interest, and amortization details you need to compute your total cost.
You can also use the SSS Salary Loan Calculator for a quick verification.

🏁 Final Thoughts

Your SSS Salary Loan Disclosure Statement isn’t just paperwork — it’s your full guide to understanding what you owe and why.

By checking it online, you can:

  • Track your deductions and interest,
  • Plan your repayments better, and
  • Avoid any confusion when checking your SSS loan balance.

So after your next loan approval, make sure to log in to My.SSS and download your Disclosure Statement. And if you want to verify the numbers before you apply, try the SSS Salary Loan Calculator — your best tool for smart financial planning.

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