Features of GSIS Emergency Loan 2025 Offer & the Application Process
GSIS EMERGENCY LOAN 2025 – Here is a guide on who are qualified to apply for the loan offer of the Government Service Insurance System during calamity situations.
Are you one of the millions of people who are members of the Government Service Insurance System or more popularly called GSIS? The social insurance giant has several excellent offers that are best to know even before something happens.
The Government Service Insurance System is operating in the Philippines for decades now. Through the years, it continuously upgraded its benefit and loan offers. It also added additional offers on the list for members who maintain an updated account to the social insurance giant. In times of calamities, it is an entity that GSIS members can turn to.
Aside from the GSIS Multi-Purpose Loan Flex, the Government Service Insurance System also offers GSIS Emergency Loan, a calamity loan intended to help the members of the social insurance giant who are living or working in an area struck by a calamity. Truth be told that the Philippines is prone to typhoons and earthquakes.
To qualify for the GSIS Emergency Loan offer, the member-borrower must be a resident or a worker in a calamity-declared area and not on leave of absence without pay. He/She must have paid and remitted premiums equivalent to at least three (3) monthly premium contributions for both Personal and Government share within the last six (6) months prior to application and has no pending administrative case and/or criminal charge.
Furthermore, the member-borrower must have no due and demandable loan and has 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.
With regards to the loanable amount under the GSIS Emergency Loan offer, a qualified member may borrow Php 20,000. A redemption insurance equivalent to 1.2% of the gross loan amount is deducted from the proceeds of the loan. The loan is payable for up to 36 monthly installments or three (3) years.
On the interest rate under the offer, the social insurance giant implements a 6% interest rate computed in advance. Here is a guide on the options in applying for the GSIS Emergency Loan offer:
via eGSISMO
- Prepare your BP number and password and login to your eGSISMO account
- Choose Loans Application icon and pick Emergency Loan, Loan Type (New or Renewal)
- Upload a Picture of Member holding UMID / Temporary CARD or 2 Valid Government IDs if UMID / Temporary CARD is lost (as JPEG or PDF File)
- Read and confirm the Loan Agreement and click/tap SAVE
- Await email confirmation from GSIS for further instructions.
via Email
- Fill out the Emergency Loan Application Form by providing the necessary information and GSIS UMID Card
- Save the Application Form as JPEG or PDF File and scan the UMID Card
- Email the documents to your GSIS handling branch
- Wait for an email confirmation from the GSIS for further instructions
via GWAPS Kiosk
- Go to a GWAPS kiosk nearest to your location
- Put your eCard Plus/UMID in the G-W@PS kiosk card reader. For your personal data to appear on the screen, put your enrolled finger in the biometrics scanner
- Choose/Tap Loan Windows icon and tap/click on Emergency Loan
- Confirm your GSIS Emergency Loan application by placing your finger on the biometrics scanner
- If the loan application is approved by the GSIS, you can withdraw the loan proceeds anytime from any Megalink, Bancnet and Expressnet ATM located nationwide.
The Government Service Insurance System has a specific calamity loan offer for its pensioners — the GSIS Pensioners Emergency Loan.