SSS Salary Loan Statement of Account

SSS Salary Loan Statement of Account: How to Check Your Loan Balance and Payments (2025 Guide)

If you’ve taken an SSS Salary Loan, one of the most important things to keep track of is your loan balance and payment history. Many members ask:

“How can I see my SSS Salary Loan statement of account online?”
“Where do I find my remaining balance or due dates?”

This guide will show you step-by-step how to access your SSS Salary Loan Statement of Account (SOA), understand its details, and even estimate your future payments using the official SSS Salary Loan Calculator.

💡 What Is an SSS Salary Loan Statement of Account?

Your SSS Salary Loan Statement of Account (SOA) is an official record that shows:

The original loan amount you received,
The total interest and service fee charged,
Your monthly amortizations, and
Your remaining balance or any past due amounts.

It’s your financial snapshot with SSS — showing how much you owe, how much you’ve paid, and how your loan is progressing every month.

🧾 Why You Need to Monitor Your SSS Loan Statement

Monitoring your loan balance isn’t just about checking numbers. It helps you:

🧠 Stay updated — know how many months are left before full payment.
💸 Avoid penalties — ensure you’re not missing any monthly deductions.
🏦 Qualify for future loans — clear records make renewal faster.
📅 Plan your finances — understand how much to budget monthly.

🪜 How to Check Your SSS Salary Loan Statement of Account (Online)

Here’s the full guide to checking your SSS Salary Loan SOA in 2025.

Step 1: Go to the My.SSS Portal

Visit the official My.SSS website and log in using your SSS User ID and password.

Step 2: Go to “Inquiry” or “Loans” Section

Once logged in, go to:
👉 E-Services → Inquiry → Loans Info → Salary Loan

Step 3: View Your Statement of Account

You’ll now see your loan details, including:

Loan Type (e.g., Salary Loan)
Loan Amount Granted
Date Granted
Monthly Amortization
Loan Term
Outstanding Balance
Due Date
Payment History

Step 4: Download or Print Your SOA (Optional)

You can save or print the Statement of Account for personal records — useful for employment, future applications, or verifying deductions.

📊 Sample Breakdown of an SSS Salary Loan Statement of Account

Here’s what a typical SSS Salary Loan SOA might look like:

Item	Description	Example
Loan Type	Type of loan availed	Salary Loan
Date Granted	Approval date	March 20, 2025
Loan Amount	Amount credited to your account	₱20,000.00
Service Fee (1%)	Deducted upon release	₱200.00
Pro-Rated Interest	Interest for approval month + next month	₱133.33
Total Amount Received	Net credited to your bank	₱19,666.67
Loan Term	Duration of repayment	24 Months
Monthly Amortization	Amount due monthly	₱903.33
Remaining Balance	Unpaid portion	₱14,501.01
Due Date	Next payment schedule	Every 10th of the month

💰 How to Compute Your Loan Balance or Payment Schedule

To check your monthly amortization or remaining balance, you can use the
👉 SSS Salary Loan Calculator

It automatically computes:

Your total loan amount,
Monthly payments,
Interest deductions, and
Total payable balance.

Example:

If you borrowed ₱20,000 for 24 months at 8% annual interest, your monthly amortization would be around ₱903.33, including interest.

You can use the calculator to see the amortization table month by month and understand how much of your payment goes to principal vs. interest.

⚙️ What to Do If There’s a Discrepancy in Your SOA

Sometimes, you may notice that your payment hasn’t reflected yet or your balance seems incorrect. Here’s what you can do:

Verify with your employer — ensure they remitted your payment on time.
Check payment posting delay — SSS updates payments usually within a few days.
Contact SSS branch — if there’s still a discrepancy after 2 weeks, call or visit the nearest branch.

💡 Tip: Always keep a copy of your payment receipts or payslips for reference.

🔁 Understanding Loan Renewal and SOA Reset

If you’re planning to renew your salary loan, your Statement of Account plays a big role.

You can only renew once you’ve paid at least 50% of the original principal.
The remaining balance from your old loan will be deducted from the new loan amount.
Your new Statement of Account will then reset based on the new loan amount and interest.

Before renewing, use the SSS Salary Loan Calculator to preview your potential new loan and updated amortization schedule.

📉 Sample: SSS Salary Loan Amortization Table (₱20,000, 24 Months)

Month	Beginning Balance	Interest (8%/12)	Monthly Amortization	Principal	Ending Balance
1	₱20,000.00	₱133.33	₱903.33	₱770.00	₱19,230.00
2	₱19,230.00	₱128.20	₱903.33	₱775.13	₱18,454.87
3	₱18,454.87	₱123.03	₱903.33	₱780.30	₱17,674.57
4	₱17,674.57	₱117.83	₱903.33	₱785.50	₱16,889.07
5	₱16,889.07	₱112.59	₱903.33	₱790.74	₱16,098.33
6	₱16,098.33	₱107.32	₱903.33	₱796.01	₱15,302.32
7	₱15,302.32	₱102.02	₱903.33	₱801.31	₱14,501.01
8	₱14,501.01	₱96.67	₱903.33	₱806.66	₱13,694.35
9	₱13,694.35	₱91.30	₱903.33	₱812.03	₱12,882.32
10	₱12,882.32	₱85.88	₱903.33	₱817.45	₱12,064.87
11	₱12,064.87	₱80.43	₱903.33	₱822.90	₱11,241.97
12	₱11,241.97	₱74.95	₱903.33	₱828.38	₱10,413.59
13	₱10,413.59	₱69.42	₱903.33	₱833.91	₱9,579.68
14	₱9,579.68	₱63.86	₱903.33	₱839.47	₱8,740.21
15	₱8,740.21	₱58.27	₱903.33	₱845.06	₱7,895.15
16	₱7,895.15	₱52.63	₱903.33	₱850.70	₱7,044.45
17	₱7,044.45	₱46.96	₱903.33	₱856.37	₱6,188.08
18	₱6,188.08	₱41.25	₱903.33	₱862.08	₱5,325.99
19	₱5,325.99	₱35.51	₱903.33	₱867.82	₱4,458.17
20	₱4,458.17	₱29.72	₱903.33	₱873.61	₱3,584.56
21	₱3,584.56	₱23.90	₱903.33	₱879.43	₱2,705.13
22	₱2,705.13	₱18.03	₱903.33	₱885.30	₱1,819.83
23	₱1,819.83	₱12.13	₱903.33	₱891.20	₱928.63
24	₱928.63	₱6.19	₱903.33	₱897.14	₱0.00

Your SOA reflects this type of monthly movement — showing how your loan balance decreases as you make each payment.

✅ TL;DR — Key Takeaways

The SSS Salary Loan Statement of Account shows your full loan record — from approval to repayment.
You can check it anytime in your My.SSS account under “Loans Info.”
Always make sure your employer remits payments on time to avoid penalties.
Use the SSS Salary Loan Calculator to estimate your amortization, balance, or possible renewal amount.

❓ Frequently Asked Questions (FAQs)

1. Where can I get my SSS Salary Loan Statement of Account?
Log in to My.SSS → Inquiry → Loans Info → Salary Loan. You can view and print it there.

2. Can I check my loan balance without logging in?
No. For security, loan information is available only inside your verified My.SSS account.

3. How often is the statement updated?
Usually every time your payment is posted by your employer or bank, typically within 3–7 days after deduction.

4. What if my employer didn’t remit my payment on time?
You’ll need to coordinate with your employer’s HR or accounting department and ensure they update SSS immediately.

5. Can I pay my salary loan voluntarily?
Yes. If you’re self-employed or no longer employed, you can pay directly at SSS-accredited payment centers using your loan payment reference number.

🏁 Final Reminder

Your Statement of Account is your proof of how responsible you are as a borrower.
Keeping it updated helps you avoid penalties, plan renewals, and build a good record with SSS.

Before you apply, renew, or settle — always check your details with the
👉 SSS Salary Loan Calculator
to make smart, confident financial decisions.