How to Apply for a Calamity Loan (SSS and Pag-Ibig)
August 20, 2013 Did you know?
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The Philippines is currently being affected by the Typhoon Maring.  There are lots of flooded area already, and as of this writing the rain is continuously pouring.   Cavite is one of the areas that was declared to be in a state of calamity.  For those who doesn’t know, we are now living in Cavite, but I thank God that our area is not affected by flood.

Residents ride a bamboo raft to safety in Noveleta, Cavite, on Monday, August 19. Torrential rain paralyzed large parts of Luzon as neck-deep water swept through residential areas. Jay Directo/AFP via:

If you are located in one of the declared Calamity areas, you have a choice to apply for a Calamity Loan at SSS and Pag-ibig.  This will help you get back on your feet after this crisis.

Here are some guidelines on Calamity Loan application that I found from searching.

For SSS, here are the required documents

  • Application for Direct House Repair and/or Improvement Loan (2 copies) and SS SCards of the principal applicant and his/her spouse, if applicable. In the absence of the SS Card, any two (2) valid IDs with signature, at least one (1) with photo (original and photocopy for authentication)
  • Certification issued by the barangay/local government unit/NDRRMC/DSWD attesting that the house subject of the direct housing repair
    and/or improvement loan was destroyed/damaged by calamity (original copy)
  • For employed borrower, latest Income Tax Return (original and photocopy for authentication) and Certification of Employment and Compensation duly signed by the employer’s SSS authorized signatory (original copy) together with two (2) latest monthly payslips. For Self-employed or Professional, Income Tax Returns and Financial Statements for the last three (3) years (original and one photocopy). For overseas workers, the Contract of Employment and Certification of Employment and Compensation duly authenticated by the Philippine Consulate or SSS Foreign Representative.
  • Certified true copy of the Original/Transfer/Condominium Certificate of Title (OCT/TCT/CCT) issued by the Registry of Deeds together with owner’s duplicate copy.
  • Latest Tax Declaration of Real Property (land and building) with the Official Receipt of Realty Tax Payment (original and one (1) photocopy)
  • Lot/Location Plan prepared, signed & sealed by a licensed geodetic engineer. The plan should be prepared in a standard Bureau of Lands form (blueprint or whiteprint copy in 15” x 20” size).

read more HERE, and check some forms that you need at website

For Home Development Mutual Fund (PAG-IBIG), Calamity loan is open to all members who have at least 24 months of contribution. This is from

Calamity Loan Requirements:

  • A member must have contributed at least 24 months to be eligible for the calamity loan.
  • In case of having a previous loan, he/she must be active on paying it.
  • The member must be a resident of a calamity affected area.

To apply, members should submit the following:

  • Certificate of net pay
  • Two valid identification cards
  • Barangay certificate signed by barangay captain to prove that the member resides in an area affected by a calamity.

Member can loan a maximum 80% of the member’s Total Accumulated Value or TAV (personal contributions, employer’s contribution, and dividend) and is payable in 24 months.

Filipinos abroad may send their representative in the nearest PAGIBIG branch in their area on their behalf. Remember that a Calamity Loan is only accepted up to 90 days from the day the State of Calamity was declared.


That’s it!  Stay safe and dry everyone.

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"14" Comments
  1. Such timely and very complete topic you got here, providing info as to loan requirements and including a link for applying for a loan. Thank you very much!

  2. thank you for the infos!
    i have an existing loan sa SSS. would you know po if i can still file a calamity loan? i couldn’t find it sa site nila. many thanx!

    • As far as I know pwede po, or depende sa pending number of months ng existing loan nyo. But, to be sure kindly visit the SSS branch near you and inquire. I am not connected to these government agencies po kasi.

  3. eddel g. bambilla

    hi ask ko lng po kung pwedng mkpg apply ng calamity loans s sss at pg ibig kht ang hulog ko ay 15 months p lng?hope you reply…thanks

    • Hi, I suggest that you inquire at Pag-Ibig branch near you since I can’t answer you question. I am not connected to these agencies po kasi. Thank You!

  4. hi levy, tanong ko lang, ang kasambahay ko ay magcacalamity loan daw sa sss. she insists that she wont have to make payments to sss once she gets it. yung mga kaibigan daw nya ay hindi kinakaltasan para sa calamity loan nila nuong ondoy, is that true? she lives with us and altho floods were on our street hndi naman inabot sa bahay. we ourselves did not apply for calamity loan though we live in binan laguna, declared as in state of calamity.

    • Hi Brigitte, Thank you for dropping by. I haven’t tried to apply for a calamity loan so I have no idea kung makakaltasan sya or not. I suggest that you ask the people from the SSS near you to ask for advise.

  5. pde po ba mag loan kht hindi pa nabubuo yung 36 mons. contribution ?

    • Hi Ednalyn, I have no idea and I can’t answer your question. As I have mentioned I am not connected to SSS. I suggest that you go visit an SSS branch near your place and inquire.

  6. kung mag cacalamity loan ba, may connection ba ang contribution sa amount na pwede mong ma loan both sa sss at pag-ibig? or fixed na ang amount pag calamity loan ang i-aapply?

  7. greetings to he staff

    I am from Bohol and a member of PAG -IBIG FUND AND STILL ACTIVE. BOHOL is now on state of calamity due to the earthquake last Ocotber 15. We are asking your office how much is the percentage and how much we apply from that calamity loan, Yes, in house repair, building we purposely use that loan, How many days we get for finance the said purpose. Can we apply the calamity loan to 50 thou.

    Really we urgently need it!

  8. pwede po ba mag loan ng calamity loan kahit d pa umabot ng 2 years

    from bohol po

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