Step-by-step Guide in Applying for SSS Loan Restructuring Program

SSS Loan Restructuring Program How To

Do you have an outstanding loan with the SSS that is left unpaid for several years now?  Are you worried that the principal and interest rates have accumulated over time and you may not be able to pay the amount anymore?

The SSS has good news for you!  They have recently launched the their Loan Restructuring Program to help members with past due loans.  In our previous post, we detailed the qualifications needed when applying for a loan restructuring program.  We have since received numerous inquiries on how to file the application as well as the list of documentary and ID requirements.

We are sharing our research to you today and encourage everyone who have outstanding obligations with the SSS to apply for the condonation program.  This is your chance to regain a good membership standing with the SSS and secure your future benefits.

What you need to bring:

(a). Original copy of any one of the primary IDs or documents (or)

(b). Original copy of any 2 secondary IDs or documents

(c). At least one of the IDs must have 1 with photo, and both with signature

Primary IDs or Documents:

  1. SSS card
  2. Unified Multi-purpose ID (UMID)
  3. Driver’s License
  4. Passport
  5. Professional Regulation Commission (PRC) card
  6. Seaman’s Book (Seafarer’s Identification and Record Book)

Secondary ID Cards or Documents:

  1. Alien Certificate of Registration
  2. Certificate of Licensure or Qualification Documents from Maritime Industry Authority
  3. Certificate of Muslim Filipino Tribal Affiliation issues by National Commission on Muslim Filipinos
  4. Company ID Card
  5. Firearm License card issued by PNP or Philippine National Police
  6. Fishworker’s License issued by BFAR or Bureau of Fisheries and Aquatic Resources
  7. GSIS or Member’s Record or Certificate of Membership
  8. Health or Medical Card
  9. PagIBIG or Home Development Mutual Fund Member’s Data Form
  10. ID card issued by Local Government Units (LGUs). Examples in Barangay, Municipality, or City
  11. ID card issued by professional association recognized by PRC
  12. Marriage Contract or Certificate
  13. OWWA Card or Overseas Worker Welfare Administration
  14. PHIC Card or Philippine Health Insurance Corporation
  15. NBI Clearance or Police Clearance
  16. Postal ID Card
  17. School ID Card
  18. Seafarer’s Registration Certificate issued by Philippine Overseas Employment Administration
  19. Senior Citizen Card
  20. Taxpayer’s Identification Number (TIN) Card
  21. Voter’s Identification card or Voter’s Affidavit or Certificate of Registration

Step 1. Request for a copy of your Statement of Loan Balances from the nearest SSS branch.  OFWs may request for a copy from the SSS foreign office.

Step 2. Accomplish a copy of an Affidavit of Residency as supporting document for your home address or work address.  This is to attest to the fact that your area is within a covered calamity area stricken by a previous (natural) disaster.

Step 3. Prepare a copy of a duly accomplished Loan Restructuring Program.  Write “Not Applicable” or “N/A” for information that are not applicable to you.  Affix your initials on any erasures.

Step 4. If a representative is filing this form, submit the following:

  1. Original copy of Special Power of Attorney (SPA)
  2. Photocopy of 2 valid IDs each of the member-borrower and the filer (or representative).

Step 5. Bring the duly accomplished forms to the SSS branch.  For Death, Total Disability, or Retirement benefit filers (who wish to avail of the reconstructuring program), include the DDR claim application form.

An SSS personnel will advise you on the next steps to be taken after you have submitted your application.  This offer is open until April 27, 2017 only.

If you wish to make a follow up on your filed applications, you may contact SSS through the following:

Call Center : 02-920-6446 to 55



Website: https://www/




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60 thoughts on “Step-by-step Guide in Applying for SSS Loan Restructuring Program

  1. pwede po ba ako mag loan sa sss dipa po ako nakapag loan sa sss ko at gusto kopo mag loan may hulog napo ako sa sss ko mga 39 months napo. pwede po kau nawalan po ako ng work 2010 pa po kc ehh gusto kopo makapag loan sana if ok lang po.

    1. Hi Ian,

      A member is qualified to apply for a salary loan if he or she has paid at least 36 monthly contributions and has at least six posted monthly contributions within the last 12 months before filing the application.

      If you have completed 36 months of contributions but not more than 72 monthly contributions, you will be entitled to one-month salary loan; but if you have paid at least 72 monthly contributions, you are entitled to a two-month salary loan.

      Hope this helps.


  2. Pano po kung nkapag apply ako loan reconstuction last april 2017 tapos di ko po nhulugan since june 2017 up to now kasi po nwalan ako ng work
    ,, pwede ko p po b hulugan yung monthly ko s loan reconstruction?

  3. Can I ask if when is the next SSS condo nation program Coz it’s only this time that I open this service. Hope you can help me on the said matter.

  4. Hello po, may salary loan po ako, hanggang september lang po last payment ko sa loan. 7 months na po ako hindi nakakabayad. Mag aapply din po ba ako ng LRP? Need response po asap. Thank You.

  5. Kailangan pa ba ng Affidavit of Residency if Salary Loan ang ipapa-restructure? Will appreciate your clarification. Thanks!

  6. Hello po! Ask q lang po sana kc OFW yung papa ko tapos ako po yung representative nya pwede po ba na ang SPA na gagawin ay mula sa embassy sa ibang bansa? And needed po ba yung affidavit of residency even if it’s salary loan po? thank you po in advance 😃😃😊

  7. Nag apply po ako dti ng restructuring kaso d po natuloy kc kinapos ako ng pera kya di po ako nkabyad. Ask ko kung pwd ulit ako mag apply ng restructuring.

  8. ako po ay may salary loan before d ko sure kung tapos na nabayaran noon 2004 kung di po nabayaran pasok po ba ako sa restructioning program ng sss salamat po.

    1. Hi Romeo,

      Pwede mong i-check ang loan payments mo sa SSS online. Visit at mag create ka ng online account mo para ma-access mo ang SSS account details mo, kasama na pati ang mga naging contributions mo in the past.

      Kung hindi mo pa fully paid ang loan mo, pumunta ka sa pinaka malapit na SSS office at mag inquire ka about loan restructuring.


  9. Hi..inquire ako sana for my mom.Nasa US kasi sya at may pending sya SSS loan.Nakapag initial inquiry na ko ang gusto nila personal na gawin ni Mama ang filing.Nun sinabi kong di makakauwi kasi la naman yun sariling kita dun magkasama sila ng tita ko na senior na din. Pwede naman daw i-file ko with SPA pero yun DDR sya pa din daw dapat mag-file.Panu ko makakapagpa SPA kung wala naman sya dito?wala ba branch sa US na pwede sya mismo ang magpunta para mag file?

  10. Good day, may outstanding balance po ako na hindi ko nbyaran mga 8years na cgro, gusto ko syang maumpisahan na byaran kahit wala na ako trabaho, pwede ba ako mag loan ng rectring program na yan?

  11. Magbabayad na po ako ng loan, restracture na din po yon, last november pa po. Kaso po may interest po, pwede po ba akong mag pa restracture po ulit na zero interest?

  12. 62 yrs. Old na ako at pede n magpension, d ako pede magbiyahe kya ansk ko nagaasikaso, Ng pumunta sya s isang branch nio sabi may outstanding loan daw ako, pede ba itong ibawas na Lang s makukuha ko, la akong work at pension na Lang ako aasa pra Sa mga pansarili Kong needs like medication…etc. Salamat!

  13. seaman po asawa ko.. ako po pnag aayos ng loan nya pra s restructuring program ng sss.. wla po ako SPA.. ano po pwede nmn gawin. thanks po.

  14. nawalan po ako ng work naiwan po ako n loan kalhati ng 2yr..pina Cc check ko ito somthing 17,000 pa..pina tanong ko kung pede ipa re structure sabi hindi daw pede kc maliit pa ang value..ano po ang pedeng gawin ko dito kahit n monthly han ko pr lng mabawasan ang utang ko at makapg simula uli ng bayad pr sa aking pension sa drting na panahon..
    Pasagot nmn po..

  15. Pwede po ba kaibigan ko ang pabayarin ko monthly kasi my work po kasi ako sa ibang bansa,ano po ba ang dalhin nya sa sss po..thank you po

  16. hello po may loan po ako last 2003 ng 6500 iaply ko po ng reconstruction program sakali pong bayaran ko magkano na po ang bayaran ko / huli ko pong hulog 2012 sa contribution

  17. ofw po ako pero di kopo na huhulugan ng monthly ang sss ko ngsimula po ako ng 2010 pahinto hintonpo kasi hulog ko pano kopo malalaman kung pede na po ako mgloan ng pera or kung qualified n apo ba ko sa pagloloan salamat po .

  18. Pwede po b akong magbayad ng loan restruturing ko sa bayad center? May form na din po ba don? Salama t po…

      1. Problem is HABA ng PILA sa mga branches. There SHOULD be ways to do it ONLINE without the hassles of lining up the WHOLE DAY. thanks!

      2. Hi Concerned Citizen,

        Yes, the SSS are exploring ways kung pano ma-relieve ang mga branches nila ng mahabang pila by automating their services. Meron nang online salary loan application; sana maisunod na din nila ang iba pang transactions.


  19. Good Day I have outstanding salary loan which was not deducted during my employment in Cebu and im now in Iloilo can i apply restructioning program?and can i send a representative to process?

  20. What about those who have outstanding salary loan which was not paid for more than 10 years… Is this included in the restructuring program or yhose only with outstanding calamity loan which you previously advertised.

  21. Hello po pwede po bang aq ang mag apply sa restructuring program ng sss pra sa tatay ko na dting my outstanding balance loan? wla n po kc syang trabaho at mlpit na syang mag senior citizen.advce nman po f ano ang dpat kong gwin. Slmat po..

  22. Ofw ako nandito ako s Kuwait ngayon my outstanding loan ako s pilipinas gusto kng byaran pwede b akng mg avail ng reconstructioning program sa sss.anong maaari kng gawin?

    1. Hi Cely,

      As an OFW, pwede kang mag request ng Statement of Loan Balances mula sa SSS foreign office. Sila na din ang magsasabi sayo kung paano mo ito maifa-file.

      Ihanda mo na din ang mga IDs at iba pang documents na kakailanganin.


    2. Ofw ang husband ko may outstamding balance loan pa hnd na nabayaran for almost mag10yrs na ano po dapat gawin gusto po namin magbayaran sana ano mga requirment paano po ..

  23. puede po ba ako mag avail nito? may present loan po ako sa SSS nakaka 9 mos. palng po ako ng hulog…

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