Mag-a-apply ng SSS Calamity Loan? Narito ang mga Guidelines na Dapat Mong Malaman Bago Mag-apply!

MANILA, Philippines — NAGLABAS na ng guidelines ang Social Security System o SSS para sa calamity assistance sa mga miyembro at pensioners nito na naapektuhan ng magkasunod na mga bagyong Quinta, Rolly at Ulysses.

Ayon sa SSS, magbibigay ito ng calamity assistance package para sa mga miyembro at pensioners nitong nasa mga lugar na isinailalim o isasailalim pa sa State of Calamity ng National Disaster Risk Reduction and Management Council (NDRRMC) dahil sa magkasunod na pananalasa ng mga malalakas na bagyo sa Pilipinas, lalo na sa bahagi ng Luzon.

Basahin: SSS, May Assistance Package sa mga Binagyo!

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Sinabi ni SSS President at CEO Aurora C. Ignacio na simula Nobyembre 27, 2020, tatlong programa ang bubuksan ng SSS upang makapag-bigay ng financial assistance sa mga binagyong miyembro at pensioners.

Kabilang sa mga mga programa ang mga sumusunod:

• Calamity Loan Assistance Program (CLAP) for qualified members
  
  
• Three-month Advance Pension for SS and Employees’ Compensation (EC) pensioners
  
  
• Direct House Repair and Improvement Loan for qualified members
  

Samantala, narito ang guidelines ng SSS para sa Calamity Loan Assistance Program (CLAP)

Sa ilalim ng CLAP, ang mga qualified members "may avail of a loan equivalent to the average of their last 12 monthly salary credits (MSC) rounded up to the nearest thousand or the amount they applied for, whichever is lower."

ALAMIN: Mga Pautang ng SSS, GSIS at Pag-IBIG Fund sa mga Binagyo

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Sino ang Kwalipikado sa CLAP?

• SSS member na may My.SSS account sa www.sss.gov.ph
  
  
• May contribution na hindi bababa sa 36 months at anim nito ay dapat naihulog sa nakaraang 12 buwan bago ang buwan ng application.
  
  
• Residente ng lugar na isinailalim sa state of calamity ng NDRRMC at dumanas ng labis na pinsala sa mga ari-arian dahil sa mga bagyong Rolly, Quinta at Ulysses
  
  
• Miyembrong hindi nabigyan ng final benefit kagaya ng permanent total disability o retirement
  
  
• Walang outstanding loans sa ilalim ng Loan Restructuring Program
  
  
• Hindi naka-apply sa nakaraang Calamity Loan Package

Basahin: Calamity Loan ng Pag-IBIG Fund, Maaari Nang Aplayan! Alamin Kung Kwalipikado Ka!

Ano ang proseso ng Calamity Loan Application?

Ang CLAP ay maaaring aplayan online sa pamamagitan ng My.SSS account ng miyembro.

Papatunayan naman ng kanilang mga employer ang aplikasyon ng mga miyembro sa pamamagitan ng My.SSS account ng mga employer.

Ilang taon babayaran ang SSS Calamity Loan?

Ang calamity loan ay dapat mabayaran sa loob ng dalawang taon na may 10 percent interest rate per annum at one percent penalty para sa mga late payments.

Hindi naman babawasan ng one percent na service fee ang calamity loan.

Basahin: SSS, Naglabas ng Guidelines sa Housing Loan Moratorium

Kailan magsisimula ang pagbabayad sa Calamity Loan?

Magsisimula ang pagbabayad sa calamity loan sa ikalawang buwan kasunod sa petsang inaprobahan ang loan. Ang deadline ng pagbababayd ay kada huling araw ng buwan.

Saan makukuha ang perang ni-loan sa SSS Calamity Loan?

Kung maaaprobahan, agad na makukuha ng miyembro ang calamity loan proceeds ito sa kanyang disbursement account na nirehistro sa SSS.

• Philippine Electronic Fund Transfer System and Operations Network participating bank account
  
  
• Unified Multi-Purpose Identification Card enrolled bilang ATM card 
  
  
• Union Bank of the Philippines Quick Card.

Kailan magsisimula ang application ng SSS Calamity Loan?

Ang application para sa CLAP ay magsisimula sa Nobyembre 27 hanggang Pebrero 26, 2021.

Sa ngayon, kabilang sa mga lugar na isinailalim sa State of Calamity ng NDRRMC dahil sa pananalasa ng mga bagyo ay ang mga sumusunod;

• Cavite
• Catanduanes
• Camarines Sur
• Batangas
• Oriental Mindoro
• Occidental Mindoro
• Marinduque
• Albay
• Mulanay, Quezon
• Culion, Palawan
• Banton, Concepcion, at Corcuera sa Romblon
• Asipulo, Ifugao

Basahin: Online Application para sa 2nd Tranche ng DOLE CAMP, Bukas Na!

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SSS Calamity Loan, Bukas at Pwede na Online!, Narito ang mga Dapat Mong Malaman

Binuksan na ng SSS ang kanilang website portal para sa mga miyembro na gusto mag-apply ng calamily loan na a
abot sa P20,000. 

Ito ang tinatawag na Calamity Loan Assistance Program o CLAP via the SSS portal My.SSS. Nandito ang mga dapat mong malaman at proseso sa pag-aapply ng Calamity Loan  

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WATCH THE VIDEO BELOW TO UNDERSTAND ABOUT THE SSS CALAMITY LOAN ASSISTANCE PROGRAM (CLAP)

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Sundan ang limang proseso o mga hakbang para sa pag-aapply ng SSS Calamity Loan.

PAANO ANG PAG-AAPPLY NGAYON NG SSS CALAMITY LOAN or CLAP?

Ang aplikasyon para sa loan program ay sa pamamagitan ng  online SSS portal o ang MY.SSS.

ANO ang mga QUALIFICATIONS para sa CALAMITY LOAN?

Ang mga miyembro ng SSS ay makakapag-apply ng calamity loan sa mga paraang ito.

HIndi bababa sa 36 months ng contributions; 
anim sa mga ito ay dapat (6) posted sa loob ng 12 months bago pa ang aplikasyon 

Dapat nagbabayad ng existing loan o hiram bago pa mag-apply ng panibagong loan                       
Dapat hindi nakatanggap ng ayuda galing sa SSS benefit or claim such as:
Permanenteng disability
Death
Retirement Program

Documents needed

WHAT TO PREPARE TO APPLY FOR LOAN?

Duly accomplished Calamity Loan Assistance Application Form (accessible in the sss.gov website)
Barangay Certification
At least one (1) primary ID:
Unified Multi-Purpose ID (UMID)
Passport
Professional Regulation Commission (PRC) ID
Seaman’s Book
Driver’s License
Or two (2) secondary IDs
Company ID
PhilHealth ID
Senior Citizen ID
Voter’s ID
Taxpayer’s Identification Number (TIN) ID

FOR OFW, HOW TO APPLY FOR LOAN AND WHAT ARE THE REQUIREMENTS?

A proxy or a representative in the Philippines. 

Authorization letter from the OFW
Scanned and printed copies of valid ID of the OFW plus the original valid ID of the representative

WHERE TO GET THE LOAN AMOUNT?

Loan proceeds will be transferred to a bank account. If you are planning to apply you need to have a bank account. Once approved, loan proceeds will be credited through member’s enrolled bank account.” 

CHECK BELOW HOW TO CONNECT YOUR BANK ACCOUNT TO YOUR SSS ACCOUNT

WHEN IS THE LOAN PAYABLE?

The loan will be payable in 27 months. The payment will be payable after 3 months of loan approval. Loan interest will be 10 percent per annum. View the video graphics below.

SSS opens COVID-19 Calamity Loan Assistance Program;

applications to be accepted online

The Social Security System (SSS) on Monday opened its Calamity Loan Assistance Program (CLAP) for its members who are affected by the coronavirus disease 2019 (COVID-19) pandemic.

SSS President and CEO Aurora C. Ignacio said the SSS estimates around 1.74 million potential member-borrowers for the program.

Depending on the average of their monthly salary credit in the last 12 months, members may apply for a loan of up to P20,000.

"We recognize that the impact of COVID-19 is greater than other calamities we have faced in the past. With that in mind, we have extended the payment term of this particular CLAP to 27 months, inclusive of a three-month moratorium period, and have lessened the interest rate to six percent per annum," Ignacio said.

Normally, CLAPs have a payment term of 24 months and an interest rate of 10 percent per annum.

Loan amortizations for COVID-19 calamity loans will begin in the fourth month from their respective approval dates. No advance interest will be charged for the said loan. A service fee of one percent of the loan amount will be charged and deducted from the loan proceeds.

Loan payments not remitted on its due date will bear a one percent penalty per month.

To qualify for the loan, a member must: have at least 36 monthly contributions, six of which should be posted within the last 12 months before the application; have a work or home address within the Philippines as reflected in the SSS database; have not been granted any final benefit such as total permanent disability or retirement; and have no outstanding loans under the Loan Restructuring Program or previous CLAPs.

Members must also be registered at the My.SSS web portal on the SSS website at www.sss.gov.ph to apply for the loan.

"The threat of COVID-19 will likely remain in the coming months. To this end, we have developed an online facility in the My.SSS web portal in which we will receive all calamity loan applications to reduce face-to-face transactions in our branches," Ignacio explained.

Documents proving that a member is a resident of a declared calamity area, which is a usual requirement for the CLAP, will no longer be required for COVID-19 calamity loans since the entire country is placed under the state of calamity.

Member-borrowers may choose to receive their loan proceeds via their respective Unified Multi-Purpose Identification cards enrolled as an ATM, Union Bank of the Philippines Quick Card, or through checks sent to their preferred mailing address.

"Through the CLAP, we are hoping to help with the financial needs of our members who may have lost their sources of income or suffered financial burden due to the COVID-19 situation," Ignacio said.

Qualified members may apply for the said CLAP until September 14, 2020.

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