In times of disaster; Emergency Loans

In times of disaster; Emergency Loans -diarynigracia

Last Updated on 10 months by DiaryNiGracia

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3 Government Issued Emergency Loans When You’re in Need


Loans are always an option whenever every Filipino family is in need. May it be for your kid’s tuition, financing your home, purchasing something you need, and most of all, in times of disaster. Due to our country’s geographical context, we are prone and vulnerable to calamity and disasters. Once it struck our country, numerous lives were taken, and homes required reconstruction. But let’s face it. Not all Filipinos can finance their needs after a calamity, especially if all of their belongings are damaged. They need help and financial assistance during times like this, and emergency loans can help.

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Filipinos are not fully aware of the existence of emergency loans. Whenever they need one, they usually opt for a personal loan. If the same case applies to you and the term “emergency loans” sounds new, here is a guide to learn what it is and know where you can apply in case you need one.




What is an emergency loan?

Based on our country’s past experiences with calamities such as storms, flooding, and earthquakes, we are utterly vulnerable to these natural events. Since the broad exposure to natural disasters and the incapability to recover quickly from the said events, we are ranked first in 193 countries with the highest disaster risk according to the latest world risk index report.

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Not everyone can stand firm and continue to fight after the worst battle from our mother earth’s revenge. There is mental, emotional, and physical damage that we have to go through to recover from the incident. Furthermore, the ability to save up for emergency cases is a privilege for Filipinos since we do not earn the same wage and do not have the same amount of mouths to feed. In short, not everyone is financially capable of continuing their lives. In these cases, emergency loans are a lifesaver.


Emergency loans are short-term unsecured personal loans that you can get in times of an emergency when you need cash. This can cover the cost of unexpected expenses and fund unplanned finances. For particular situations, such as storms, earthquakes, or fires, this can help you rebuild your home or repair your car.


Most institutions that offer emergency loans are government agencies, employers, and private lenders. If you still have no idea where to apply, I have listed some emergency loan options that you can consider.



SSS Calamity Loan Assistance Program

The SSS Calamity Loan Assistance Program (CLAP) is part of the Calamity Assistance Package for all the bonafide members of SSS who need financial assistance due to the effect of calamities in the country.


The loanable amount under the Calamity Loan Assistance Program is the member’s one-month salary credit (MSC) computed based on the average of their last twelve (12) monthly salary credit rounded up to the nearest thousand or the amount the borrower applied for, whichever is lower.


An interest rate of ten percent (10%) per annum will incur in the loan, payable in equal monthly installments for twenty-four (24) months or two (2) years. Additionally, the service fee of one percent (1%) of the loan amount is waived.


Interested applicants may apply to their My.SSS account. Once the application is approved, the loan proceeds will be credited to the member borrower’s account, which can be found on their My.SSS Account. After receiving the loan proceeds, the first loan amortization will start two months after approval. The payment’s deadline is every last day of the month; in cases where it falls on a weekend or holiday, payment can be made the next working day. Late payments will incur a 1% penalty per month.



Affected members interested in applying for CLAP must meet the following requirements:

  • Should have a My.SSS account, which can be made at
  • Should have at least thirty-six (36) monthly contributions; six (6) should be posted within the last twelve (12) months before the month of the application.
  • Should be a resident in a calamity-stricken area declared by the NDRRMC and suffer damage and/or loss of their properties.
  • Should not have been granted any final SSS benefit
  • Should have no outstanding Loan Restructuring Program (LRP) or CLAP
  • If the borrower is employed, their employer must certify the CLAP application through online My.SSS Facility



How to Apply?

For interested applicants of the SSS Calamity Loan Assistance, you can download their Calamity Loan Application form by clicking here.  Since SSS highly suggest applying for their calamity loan via Member’s My.SSS account, here are the steps you can follow to apply.


  1. Application through My.SSS
    • 1. Visit SSS and log into your SSS account.
    • 2. Click the E-Services. Once the pop-up reminder appears on your screen, tick the box and click the “Proceed” button to continue.
    • 3. You will be redirected to the Disbursement Account Enrollment Module page, where you have to enroll your bank account, which will receive your loan proceeds once your loan application is approved. Make sure that the bank that you will be enrolling is PESONet-Accredited
    • 4. To enroll your bank account, supply your bank account details and attach your supporting documents, which include your proof of account, ID, and a selfie/Photo under the Enrollment Tab.
    • 5. Once you’re done registering your bank account, it will appear under the Disbursement Account Tab. Wait for the approval of your bank account. This will take around one to two weeks. Once your account is marked green, it’s already active, and you’re now allowed to apply for the Calamity Loan.
    • 6. Click for E-Services and choose the “Apply for Calamity Loan” option.
    • 7. Select your address, then provide the required information. Tick the box and click the “Proceed” button to continue.
    • 8. The outline of your loan application will be displayed on your screen. Double-check all the information you submitted and click “Submit.”
    • 9. Wait for a notification regarding your Calamity Loan Application in your My.SSS account.





Pag-IBIG Fund Calamity Loan Program

The Pag-IBIG Calamity Loan program provides financial assistance to Filipinos affected in a calamity-stricken area declared by the Office of the President or the Sangguniang Bayan. The program is only limited to naturally-occurring disasters and hazards such as


  • Earthquake
  • El Nino and La Nina Phenomena
  • Landslide
  • Storm Surge
  • Tornado
  • Tsunami
  • Typhoon,
  • Volcanic Eruptions.


When the calamity faced by the borrower was not due to a natural disaster or by any geological process, Pag-IBIG will conduct an internal assessment upon approval of the board to decide whether they’ll open the program to cover the calamity or not. The Pag-IBIG member planning to apply for the Calamity Loan should apply within ninety (90) days after the catastrophe declaration.


The loanable amount for a Calamity Loan is up to eighty percent (80%) of the member’s Pag-IBIG Regular savings or based on the borrower’s capacity to pay. If the borrower has an outstanding loan/s with Pag-IBIG, the loanable amount that is allowed will be the difference between eighty percent (80%) of the Regular savings and the outstanding balance of the loan/s. This shows that saving more on your Pag-IBIG Regular savings will be a huge advantage when you apply for a calamity loan since you can loan a higher amount.


According to Pag-IBIG, they offer the lowest interest rate for calamity loans in the market, which is 5.95% per annum. The repayment term for the loan is up to three (3) years, depending on the option chosen upon application, with a grace period of three (3) months. However, if the borrower does not indicate a preferred loan term, the default term will be three (3) years.


If you are an interested applicant, you may apply online through Virtual Pag-IBIG by uploading all the requirements and filling up the loan application. You may visit the nearest Pag-IBIG fund branch with your duly accomplished application form and requirements if you prefer an over-the-counter application. You can also submit these directly to your employer.




  • Should have at least twenty-four (24) monthly savings under the Pag-IBIG Regular Savings
  • Should be an active member with at least one (1) monthly membership saving within the last six (6) months before the date of the application.
  • If with an existing Pag-IBIG Loan/s, the borrower’s account must not be in default.
  • Must be a resident in the calamity-stricken area
  • The borrower’s place of work must be declared under a state of calamity, subject to the management’s approval.
  • Borrower’s proof of income documents.


How to Apply?

For interested applicants of the Pag-IBIG Calamity Loan Program, you can download their application form by clicking here. To apply, you can follow the steps provided below.


  1. Application through Virtual Pag-IBIG
    • 1. Visit Virtual Pag-IBIG and log into your account.
    • 2. If you are a member with a Pag-IBIG Loyalty Card Plus or cash cards issued by any of the Pag-IBIG Fund’s partner banks, you can upload your duly accomplished loan application form and requirements.
    • 3. If you are a member with only a Pag-IBIG Loyalty Card Plus and whose employers are enrolled under the Virtual Pag-IBIG for Employers, you should complete the Pag-IBIG Calamity Loan Application form online
  2. Application through over-the-counter
    • 1. Submit your duly accomplished loan application form and requirements to the nearest Pag-IBIG Fund Branch
    • 2. You can also submit your loan application form and requirements directly to your employer.


To read more about the Pag-IBIG Fund Calamity Loan Program, visit FAQs – Calamity Loan Program.



GSIS Emergency Loan

The Emergency Loan offered by the GSIS is for all their active members and pensioners who need financial assistance during natural calamities and disasters. The loan budget allocated for this year’s emergency loans is ₱5.4 billion, according to the GSIS chief. This ensures that all members affected by a calamity will be given financial assistance.


An amount of ₱20,000 will be the loanable amount for the GSIS Emergency loan, and an amount equivalent to 1.2% of the gross loan amount will be deducted for the redemption insurance. The loan is payable for three (3) years in thirty-six (36) equal monthly installments with an interest rate of six percent (6%) computed in advance to see your monthly amortization. To see the breakdown of your loan, refer to the table below.



Loan Amount: ₱20,000 Interest Rate: 6% Payment Term: 3 years
Loan’s total interest earned: (₱20,000 x 6%) = ₱1,200

(₱1,200 x 3 years) =

Total loan amount: ₱20,000 + ₱3,600 = ₱23,600
Monthly Amortization: ₱23,600 / 36 months = ₱655.56




  • An active member of GSIS
  • Should be residing or working in a calamity-stricken area
  • Should not be on leave of absence without pay
  • Should have paid and remitted premiums equivalent to at least three (3) monthly premium contributions for both personal and government share within last six (6) months before the day of the application
  • Should have no pending administrative case and/or criminal charge
  • Should have no due and demandable loan/s
  • Should have a net take-home pay not lower than the amount required under the General Appropriations Act after deduction of the monthly premium contributions and loan amortization.
  • If old-age and disability pensioners, their resulting net monthly pension after loan availment is at least twenty-five percent (25%) of their monthly pension.



How to Apply?


For interested applicants of the GSIS Emergency Loan, you can download their application form by clicking the link. Whether if you’re an active member or a pensioner. To apply for the GSIS Emergency Loan, follow the steps below.


  1. Application through eGSISMo

    • 1. Visit eGSISMO and log in to your eGSISMo account by filling up your BP number and Password.
    • 2. Click the Loans Application Icon and choose the emergency loan option, Loan type (New or Renewal)
    • 3. Upload a photo of you holding your UMID/Temporary Card or any two (2) valid government-issued IDs if your UMID/Temporary Card is lost.
    • 4. Confirm loan agreement and click “Save.”
    • 5. Wait for the email confirmation from GSIS for further instructions on your loan application.
  2. Application via Email

    • 1. Fill out the Emergency Loan application form provided above and your GSIS UMID Card.
    • 2. Save your application form as JPEG or PDF File and scan your UMID Card
    • 3. Email your documents to your GSIS Handling Branch
    • 4. Wait for the email confirmation from GSIS for further instructions on your loan application.
  3. Application via Dropbox

    • 1. Fill out the Emergency Loan application form provided above and your GSIS UMID Card.
    • 2. Photocopy your UMID Card and print out your Loan Application Form
    • 3. Secure your documents inside a brown envelope and input a label outside the envelope with the following information: Name, Type of Loan, GSIS Handling Branch.
    • 4. Drop off your brown envelope in the GSIS Handling Branch’s Drop Box.
    • 5. Wait for the email confirmation from GSIS for further instructions on your loan application.
  4. Application through GWAPS Kiosk

    • 1. Visit the nearest GWAPS Kiosk
    • 2. Insert your eCard Plus or UMID Card in the G-W@PS kiosk card reader. Place your enrolled finger in the biometrics scanner. Once your fingerprint is recognized, your personal data will be displayed.
    • 3. Click the Loan Windows icon and choose the Emergency Loan option.
    • 4. To confirm your loan application, place your finger on the biometrics scanner.
    • 5. Once the application is approved, you can withdraw your loan proceeds anytime from any Megalink, Bancnet, and Expressnet ATM located nationwide.


For more information about the GSIS Emergency Loan, you can read more at Emergency Loan – Government Service Insurance System.


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