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Manila Bulletin devider Business devider Banking & Finance devider GSIS offers emergency loans amid strong typhoons

GSIS offers emergency loans amid strong typhoons

Published Nov 7, 2025 03:47 pm

At A Glance

  • State-run Government Service Insurance System (GSIS) has opened applications for its emergency loan product following typhoons that began ravaging the Philippines, putting the country under a state of calamity.
The state-run Government Service Insurance System (GSIS) has opened applications for its emergency loan following strong typhoons that ravaged the Philippines, putting the country under a state of calamity.
The GSIS, which insures government workers, said in a Nov. 7 statement that its emergency loan product is offered to active members as well as old-age and disability pensioners.
“As we brace for more calamities due to La Niña, rapid financial relief for our public-sector workers and retirees becomes more critical,” GSIS President and General Manager (PGM) Wick Veloso said.
To support fast recovery and rebuilding, the GSIS is speeding up access to emergency loans for those seriously affected.
Qualified members are those “in active service, not on unpaid leave, have at least three months of paid premiums within the last six months, have no pending administrative or criminal cases, have no unpaid loans for more than six months, and have a take-home pay of at least ₱5,000 after deductions.”
Old-age and disability pensioners may also file their loan requests on the condition that, after taking out loans, at least a quarter of their basic monthly pension remains.
“New applicants may borrow ₱20,000, while those with existing loans may borrow up to ₱40,000, from which their balance will be deducted to get a maximum net amount of ₱20,000,” the GSIS said.
As for payment terms, the loan will be settled by deducting payments from salary or pension. Repaying this loan will take 36 equal monthly installments at six percent per annum.
“It has a loan redemption insurance that pays the loan in full upon the borrower’s demise, provided loan payments are current,” the GSIS added.
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