Where Can I Find My SSS Salary Loan Disclosure Statement in the My.SSS Account?

When your SSS Salary Loan is finally approved, one of the most important documents you’ll receive is the SSS Salary Loan Disclosure Statement. This document breaks down all the details of your loan — the approved amount, interest, deductions, and monthly amortization schedule.

Many SSS members, however, don’t know where to find it online. If you’ve recently applied for a salary loan, this guide will show you exactly how to access it inside your My.SSS account, plus help you understand what every detail means.

🧭 What Is the SSS Salary Loan Disclosure Statement?

The SSS Salary Loan Disclosure Statement is an official document issued once your loan is approved. It shows a clear breakdown of:

Approved Loan Amount
Service Charge (1%)
Pro-rated Interest Deduction
Net Loan Proceeds (credited to your bank account or UMID-ATM)
Loan Term (12 or 24 months)
Monthly Amortization Schedule
Interest and Penalties (if any)

In simple terms, this is your “loan summary” — it tells you how much you borrowed, what was deducted, and what you need to pay back monthly.

💻 How to View Your SSS Salary Loan Disclosure Statement Online

You can access your disclosure statement anytime through your My.SSS account. Here’s the step-by-step guide:

Step 1: Log in to Your My.SSS Account

Go to www.sss.gov.ph
Click Member Login under the Portal section.
Enter your User ID and Password.

Step 2: Go to “E-Services”

Once logged in, hover your mouse over “E-Services” and click “Inquiry”.

Step 3: Select “Loans”

Inside the Inquiry page, click “Loans” on the left sidebar. You’ll now see all your loan transactions.

Step 4: Choose Your Salary Loan Type

Click “Salary Loan” under the list of loan types. A table will appear showing your Loan Application Number, Date Filed, and Status (e.g., Approved, Released).

Step 5: Click “View Disclosure Statement”

Next to your approved loan entry, click “View Disclosure Statement” (usually a PDF icon or link).
Your SSS Salary Loan Disclosure Statement will open — you can view, download, or print it for your records.

💡 Tip: You may also check your registered email after loan approval; SSS often sends a copy or link to your statement.

📘 Why the Disclosure Statement Matters

Many members ignore this document, but it’s crucial because it helps you:

Understand your deductions – Know why your ₱20,000 loan doesn’t mean ₱20,000 cash on hand.
Track your monthly payments – The amortization schedule helps you plan your budget.
Avoid confusion – You’ll clearly see the interest and fees already deducted.
Keep a record – It serves as legal proof of your loan terms.

🧮 How Your Loan Is Computed

The SSS Salary Loan computation is based on your Average Monthly Salary Credit (AMSC). Here’s a simplified breakdown:

Loan Type	Required Contributions	Loan Amount Limit
1-Year Loan	At least 36 total, with 6 in the last 12 months	1 month of AMSC (max ₱25,000)
2-Year Loan	At least 72 total, with 6 in the last 12 months	2 months of AMSC (max ₱50,000)

Key Loan Deductions:

Service charge: 1% of loan amount
Pro-rated interest: 8% per annum based on days between approval and next amortization
Penalty (if late): 1% per month on unpaid amortization

🧩 Example:
If your loan is ₱20,000, approved on March 12, 2025:

Annual interest = ₱1,600
Days covered before amortization = 50 days
Daily interest = ₱4.38 × 50 = ₱219.18

So, ₱219.18 (pro-rated interest) + ₱200 (1% service charge) = ₱419.18 is deducted upfront.
Your net proceeds: ₱19,580.82.

You can check your exact computation using the
👉 SSS Salary Loan Calculator.

📄 What’s Inside the Disclosure Statement?

When you open your statement, expect to see:

Section	Description
Loan Details	Date approved, amount, term, and loan number
Deductions	Service fee, interest, and other applicable charges
Net Proceeds	Actual amount credited to your account
Amortization Schedule	Monthly due dates and payment breakdown
Interest Details	Computed interest rate and total interest to pay
Signature Section	Member acknowledgment and digital verification

⚙️ Common Issues When Viewing the Disclosure Statement

“File not found” or broken link – Try accessing it from a desktop browser.
PDF not opening – Check if your browser allows pop-ups or PDF viewing.
Loan not appearing – The loan might still be under processing; check again after 1–2 days.
Email not received – Check your spam or promotions folder.
Login errors – Reset your My.SSS password if it says “Account locked” or “Invalid credentials.”

🧠 TL;DR (Summary)

If your SSS Salary Loan is approved, your Disclosure Statement is available inside your My.SSS > E-Services > Inquiry > Loans section.
It’s the official document showing your loan breakdown, deductions, and amortization schedule.

✅ You’ll need at least 36 or 72 contributions (depending on 1-year or 2-year loan).
✅ Interest is 8% per year, deducted monthly.
✅ Use the SSS Salary Loan Calculator to check how much you can borrow.

🗨️ FAQs About the SSS Salary Loan Disclosure Statement

1. What is included in the SSS Salary Loan Disclosure Statement?

It includes the approved loan amount, deductions (service charge and interest), amortization schedule, and payment terms.

2. When will my Disclosure Statement appear in my My.SSS account?

Usually within 1–3 working days after your loan is released or credited to your bank account.

3. Can I download or print my Disclosure Statement?

Yes. You can download it as a PDF or print it for your personal records.

4. Is the Disclosure Statement the same as the Loan Voucher?

No. The Disclosure Statement details your loan computation, while the Loan Voucher simply confirms the amount credited to your account.

5. What should I do if I can’t view it online?

Try again using a desktop browser, clear your cache, or contact SSS via email or hotline for assistance.

🏁 Final Thoughts

Your SSS Salary Loan Disclosure Statement is more than just paperwork — it’s your guide to understanding exactly how much you owe and how long you’ll pay it.
Always check this document right after your loan is approved to verify if everything matches your expectations.

Whether you’re planning a loan renewal, checking amortization, or simply ensuring transparency, this statement is your best reference.

Where Can I Find My SSS Salary Loan Disclosure Statement in the My.SSS Account?