SSS Housing Loan For Repairs And Improvements

The Housing Loan for Repairs and Improvements is a lending program of the Social Security System available either directly from the SSS or thru its accredited participating financial institutions (PFIs).



The borrower must be a member of the SSS who has at least 36 months contributions and 24 continuous contributions in the period prior to application.


The age of the member is not more than 60 years old at the time of application.


Member was not previously granted a repair or improvement loan by the SSS or NHMFC.


Member has not been granted final SSS benefits.



Borrower and spouse is updated in the payment of their other SSS loan, if any.


The loan may be used to finance any of the following

Major repairs, particularly for dilapidated and structurally unsafe housing units.


The improvements may apply to extension or expansion and enhancement of economic and aesthetic value of an existing housing unit. Said improvements shall be permanently attached to the house. Completion of an occupied bare house. Construction of concrete fence and steel gate. Installation of deep well and motor pump.




Application for Direct House Repair and/or Improvement Loan (2 copies) and SS ID Cards of the principal applicant and his/her spouse, if applicable. In the absence of the SS ID Card, any two (2) valid IDs with signature, at least one (1) with photo (original and photocopy for authentication)


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 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) with the following: Sketch of the lot with description of its boundaries; lengths and bearings of the tie line and sides of the lot; and vicinity map with landmarks, street pattern, street names and lot distance as reckoned/based from the lot to the nearest street intersection (2 copies)



For Condominium Units: Floor plan of the specific condominium unit, scaled with size dimensions (20” x 30” size, blue/whiteprint copy) signed & sealed by licensed architect or civil engineer; Architectural Plans showing the plan of the specific floor where the unit is located; Floor plan should be scaled with size dimensions; and the First page of the condominium building plans showing the site development plan, vicinity map, etc., as approved by the Building Official


Affidavit of undertaking to continue paying monthly SSS Premium Contributions for the duration of loan for Voluntary and Self-employed member only.



How to apply

The member should file his application to the nearest SSS branch or to the Housing and Business Loan Department or with any of the accredited PFIs.



Accredited PFIs

Philippine Veterans Bank

101 V.A Rufino corner Dela Rosa Street

Legaspi Village, Makati City

Telephone: 02 818 4219; 02 902 1629


Landbank of the Philippines

Land Bank Plaza, 1598 M.H. del Pilar, Malate, Manila

Telephone: 02 405 7640; 02 522 2200


Planters Development Bank

314 Buendia Avenue, Makati City

Telephone: 02 884 7600 loc. 5108


Valiant Rural Bank – Iloilo

41 A. Mabini St., Iloilo City

Telephone: 033 508 5548; 033 336 6396

Mobile: 0939 905 5144



Further reading,




Send your application to

SSS Housing and Business Loan Department

Fifth floor SSS Building

East Avenue, Diliman, Quezon City, Philippines


The member should file his application to the nearest SSS branch or to the Housing and Business Loan Department or with any of the accredited PFIs.

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