Kung apektado ka ng Typhoon Crising o ng malalakas na habagat sa inyong lugar, this is for you.
Both Pag-IBIG Fund and SSS have officially announced that their Calamity Loan Programs are now open for members living in areas declared under a State of Calamity.
What’s the latest?
Pag-IBIG Fund: Mobilized its Calamity Loan Program to assist members affected by Typhoon Crising, following President Bongbong Marcos Jr.’s call for urgent relief.
SSS (Social Security System): Likewise opened its own Calamity Loan Assistance Program (CLAP) for qualified members living or working in disaster-declared zones.
NOTICE: As of July 29, 2025, the SSS Calamity Loan Program for areas affected by Typhoon Crising has NOT yet been opened. We’ll update this page as soon as it becomes available.
Both programs are time-sensitive. Applications must be filed within 90 days from the date of calamity declaration in your area.
Quick Reference Links
How to file Pag-IBIG Calamity Loan
→ Step-by-step guide here
How to file SSS Calamity Loan
→ Full application guide here
Summary of Benefits
| Program | Max Loanable | Interest | Term | Grace Period |
|---|---|---|---|---|
| Pag-IBIG | Up to 80–90% of TAV | 5.95%/year | 24–36 months | 3 months |
| SSS | Up to ₱20,000 | 10%/year | 24 months | 3 months |
Who can apply?
Pag-IBIG Members must have:
- At least 24 monthly savings
- One payment made in the last 6 months
- No existing defaulted loan
- Reside or work in a calamity-declared area
SSS Members must:
- Have 36 total contributions, 6 of which are recent
- Reside or work in a calamity area
- Not have final benefit claims (e.g., retirement)
- Not have an existing CLAP loan under amortization
Where to apply?
Pag-IBIG:
- Virtual Pag-IBIG Portal
- Nearest branch or Lingkod On-Wheels
SSS:
- My.SSS online portal (https://member.sss.gov.ph/)
- SSS branches (if needed)
Deadline Reminder
Apply within 90 days from the day your LGU or NDRRMC declared a State of Calamity.
For example, if your province was declared under calamity on July 20, 2025, your deadline is October 18, 2025.
Blogger’s Corner
Hindi mo kailangang antayin pang maubos ang ipon. These calamity loans exist for a reason. If you meet the qualifications, file your loan application ASAP — especially if your house, livelihood, or daily life was affected.
Kung hindi mo pa alam kung paano mag-apply, check mo muna ang step-by-step guides ko:
→ How to File a Calamity Loan on Pag‑IBIG (2025 Updated Guide)
→ How to File a Calamity Loan on SSS (2025 Step-by-Step Guide)
Hi sir, question po? If may MPL kana po na loan sa pag ibig then mag-aavail ka na po ng calamity loan, i-ooffset niya po ba yung outstanding balance ko sa MPL or hindi po? Thank you!
Kung may MPL tapos mag-avail ng calamity loan, pwede basta updated ang bayad sa MPL. Take note, that hindi ka makakakuha ng total ng 90% ng TAV kasi need i-consider yung outstanding loan balance.
Ang hindi pwede is pag may Calamity loan ka tapos mag MPL. Dapat masettle muna Calamity Loan before MPL.