SSS Loan Application Will Be Rejected Due to the Following Reason(s): Employer Non-Remittance
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SSS Loan Application Will Be Rejected Due to the Following Reason(s): Employer Non-Remittance
Imagine applying for an SSS Salary Loanⓘ, confident that you’ve been paying your contributions every month — only to be denied because your employer hasn’t remitted them to the SSS.
This situation frustrates many members, especially since salary deductions for SSS are mandatory for employees. Unfortunately, without updated PRNⓘ or employer reports, SSS upd?" title="Contribution posting refers to the process of recording a member’s paid contributions into their My.SSS account. Once a payment is validated using PRN or employer reports, SSS upd?">posted contributionsⓘ, SSS considers you ineligible for loan approval. Understanding why this happens and how to fix it can save you both time and stress.
Why Employer Non-Remittance Matters to SSS Members
The SSS requires members to have updated contributions in their record to qualify for loans. Even if your employer deducted your SSS share from your salary, if they failed to remit it, the SSS sees it as unpaid — and unpaid contributions mean your loan applicationⓘ will be rejected.
What is “Employer Non-Remittance”?
Employer non-remittance happens when your employer does not send the deducted SSS contributions (employee shareⓘ and employer shareⓘ) to the SSS within the required schedule.
Potential Causes:
Delayed submission due to company cash flow problems.
Administrative oversight or errors in payroll processing.
Company closure without proper settlement of obligations.
Intentional non-payment (a serious violation).
Example Scenario
Maria has been working for her company for 2 years. Every payslip shows SSS deductions, but when she checks her My.SSS account, her last posted contribution was 8 months ago. She applies for a salary loan, but it’s denied because she doesn’t meet the updated contribution requirement — all due to employer non-remittance.
How to Solve “Employer Non-Remittance”
Step 1: Check Your SSS Contribution Record
Log in to My.SSS.
Go to Inquiry → Contributions to view the latest posted payments.
Step 2: Verify With Your Employer
Bring your payslips showing the deductions.
Politely request an explanation and a timeline for remittance.
Step 3: Request Posting Update
Once remitted, wait for posting in your My.SSS account (may take days to weeks).
What You Can Do Yourself
Keep all payslips as proof of deductions.
Regularly monitor your SSS contribution posting online.
If your employer is unresponsive, file a report with the nearest SSS branch.
You can also plan your Loan Eligibilityⓘ refers to the specific qualification standards a member must meet before they can obtain an SSS Salary Loan. These requirements ensure that only active, co?" title="Salary Loan Eligibility refers to the specific qualification standards a member must meet before they can obtain an SSS Salary Loan. These requirements ensure that only active, co?">loan eligibilityⓘ using the SSS Salary Loan Calculator once your records are updated.
Employer non-remittance means your employer hasn’t forwarded your SSS contributions, making you ineligible for a loan. ✅ Check your SSS record online. ✅ Verify with your employer. ✅ Keep proof of deductions. ✅ File a complaint if unresolved.
FAQs
1. What happens if my employer didn’t remit my contributions? SSS will treat those months as unpaid, affecting your loan eligibility and benefits.
2. Can I pay those contributions myself? For employee shares, no — only your employer can remit them.
3. How long does posting take after remittance? Usually a few days to weeks, depending on the payment channel.
4. Will my employer get penalized? Yes, non-remittance is a legal violation and carries fines and penaltiesⓘ.
5. Can I still get a loan while the issue is unresolved? No, your contributions must be updated first.
