Will SSS Email Me a Copy of My SSS Salary Loan Disclosure Statement?

If you’ve just been approved for an SSS Salary Loan, you might be wondering — “Will SSS email me a copy of my disclosure statement?”

This question is common among members, especially first-time borrowers who expect to receive all documents through email. The short answer is: No, SSS does not automatically email your disclosure statement.

But don’t worry — you can easily download it yourself through your My.SSS account or view it anytime online. Let’s explain why this document matters and how to get your copy quickly.

💡 What Is the SSS Salary Loan Disclosure Statement?

The SSS Salary Loan Disclosure Statement is an official document issued right after your loan is approved. It summarizes all your loan details, including:

Approved loan amount
Service charge and interest rate (8% per annum)
Pro-rated interest deducted before release
Monthly amortization and due dates
Loan term (12 or 24 months)
Net amount credited to your bank account

Think of it as your loan receipt and contract in one file — showing exactly how much you’ll repay and what deductions were made before SSS released your money.

📧 So, Will SSS Email It to Me?

➤ The Answer: Not Automatically

After your loan is approved, SSS will send a confirmation email stating that your salary loan has been approved and credited to your enrolled bank account.

However, the Disclosure Statement itself is not attached to the email.
SSS expects you to log in to your My.SSS account to download or print it yourself.

This is for security reasons — since the document includes your loan number, approval date, and personal financial data, it’s safer to access it directly online rather than through email attachments.

🖥️ How to Get Your SSS Salary Loan Disclosure Statement Online

If you didn’t receive it in your inbox, here’s how to download it manually in less than 3 minutes:

Go to My.SSS and log in using your credentials.
Click “E-Services” → “Inquiry.”
Go to “Loans” → “Salary Loan.”
Select your approved loan record.
Look for the link that says “Disclosure Statement.”
Click Download or Print.

You’ll now have the official digital copy (PDF format). It’s identical to what SSS generated upon your approval.

🧾 Difference Between Disclosure Statement, Voucher, and Loan Statement

Document	Purpose	Where to Get It
Disclosure Statement	Full breakdown of loan details, interest, deductions, amortization	My.SSS → E-Services → Loans
Loan Voucher	Shows amount credited to your bank account	Sent via email or downloadable in My.SSS
Statement of Account (SOA)	Displays remaining balance and payment history	My.SSS → Loan Info

✅ Tip: Always keep your Disclosure Statement for reference. It’s your proof of what SSS actually approved and deducted.

💰 Understanding the SSS Salary Loan Computation

Let’s quickly review how your loan is computed. The SSS Salary Loan provides financial relief to members through 1-year or 2-year loan terms, depending on your total contributions.

Key Rules for Computation

Rule	Description
Interest Rate	8% per annum (diminishing balance)
Service Charge	1% of approved loan
Loan Term	12 or 24 months
Late Payment Penalty	1% per month on delayed amortization
Pro-rated Interest	Charged upfront from loan approval date up to end of next month
Early Repayment	Allowed anytime with no penalty

Example: Pro-rated Interest Calculation

Let’s say your ₱20,000 loan was approved on March 12, 2025.

Step 1: Count total days covered
→ March 12–31 (20 days) + full April (30 days) = 50 days

Step 2: Compute annual interest
→ 8% of ₱20,000 = ₱1,600 per year

Step 3: Find daily interest
→ ₱1,600 ÷ 365 = ₱4.38/day

Step 4: Multiply by covered days
→ ₱4.38 × 50 = ₱219.18

✅ Result: ₱219.18 will be deducted upfront as pro-rated interest.
Your net loan released = ₱20,000 − ₱200 (service charge) − ₱219.18 (interest) = ₱19,580.82

🧮 Estimate Your Loan Easily

To find out how much you can borrow or what your monthly payments might be, try the SSS Salary Loan Calculator.

This tool helps you:

Estimate your loanable amount based on your Monthly Salary Credit (MSC)
Compute your monthly amortization for 12 or 24 months
See how interest affects your total repayment

It’s a convenient way to prepare before applying for or renewing your SSS Salary Loan.

👩‍💼 Who Can Apply for an SSS Salary Loan?

Loan Type	Contribution Requirement
1-Year Loan	At least 36 contributions, with 6 posted in the last 12 months
2-Year Loan	At least 72 contributions, with 6 posted in the last 12 months

Other conditions include:

Must be currently employed or self-employed
Employer must be updated in remittances
Must not have any overdue SSS loan
Must not be disqualified due to fraud or default

📩 Why SSS Doesn’t Email the Disclosure Statement

You might ask, “Why not just send it via email like other banks?”

The main reason is data privacy and system security.
SSS follows strict confidentiality policies under the Data Privacy Act of 2012. Since your disclosure statement includes your:

Full name and SSS number
Loan amount and bank details
Computed interest and deductions

…it’s safer to keep it inside the secure My.SSS portal rather than send it over email.

In addition, SSS servers automatically store these files, so members can re-download them anytime without relying on email copies that could be deleted or lost.

⚠️ Common Issues Members Experience

Problem	Cause	Solution
Didn’t receive disclosure statement in email	Not automatically sent	Log in to My.SSS and download it
Can’t find “Disclosure Statement” button	Loan not yet disbursed	Wait 1–2 days after crediting
Error loading My.SSS	Server maintenance	Try during off-peak hours (early morning or late evening)
Forget password	Account security reset	Use “Forgot Password” on the login page

Tip: Always save a backup of your disclosure statement (PDF format) in your email, Google Drive, or printed file.

🧩 How to Read Your Disclosure Statement

Here’s what each section means:

Loan Amount Approved – The total amount before deductions
Service Charge – 1% deduction upon release
Interest Deducted in Advance – Pro-rated portion up to next month
Net Proceeds – Actual cash credited to your account
Loan Term and Amortization – Monthly payment schedule
Signature Section – Digital approval and SSS officer signature

Knowing these helps you double-check the accuracy of your loan computation and avoid confusion about “missing” amounts.

📋 TL;DR Summary

✅ SSS will not email your disclosure statement automatically.
✅ You can download it anytime via your My.SSS account.
✅ It contains all loan computation details — amount, interest, deductions, amortization.
✅ Always keep a digital or printed copy for your records.
✅ Use the SSS Salary Loan Calculator to estimate future loans easily.

❓ Frequently Asked Questions

1. Will SSS send my disclosure statement to my email automatically?
No. SSS only sends a notification that your loan has been approved — not the actual file. You must download it through My.SSS.

2. How long before I can see it online?
Usually within 24 hours after disbursement. Check your My.SSS account once the loan appears under your records.

3. Can I request a printed copy at the branch?
Yes. Visit your nearest SSS branch and request for a printed Disclosure Statement if you prefer a hard copy.

4. What’s the difference between Disclosure Statement and Loan Voucher?
The Disclosure Statement shows the computation breakdown; the Loan Voucher shows the credited amount to your bank.

5. Can I re-download it later if I lose it?
Yes. You can re-download your Disclosure Statement anytime by logging back into My.SSS — even after full repayment.

✨ Final Thoughts

While it might be disappointing that SSS won’t email your Salary Loan Disclosure Statement, it’s actually a good thing — your data stays secure and accessible anytime through your My.SSS account.

So if you’re waiting for that email attachment, don’t panic. Just log in, download your document, and keep a copy for your records.

And before you apply or renew, try the SSS Salary Loan Calculator to see your estimated loan amount and monthly payments.