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Pension Loan application online para sa first-time borrowers

Christian Andrew Rillorta by Christian Andrew Rillorta
June 16, 2022
in Columns
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Pensioner’s day at ang SSS Pension Loan Program
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Dear SSS,

Retiree pensioner na ang aking nanay at gusto sana niyang mag-avail ng inyong Pension Loan. Pero, hindi niya alam kung qualified ba siya at kung paano ba mag-apply para dito. Nais din niyang malaman kung magkano ang pwede niya ma-loan. Maraming salamat po! – Nancy F.

Mabuting araw sa’yo, Nancy!

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Ang Pension Loan Program (PLP) ay sinimulan noong 2019 upang bigyan ang mga SSS retirement pensioners ng karagdagang tulong pinansyal sa oras ng kanilang pangangailangan.

Qualified ang nanay mo sa programang ito kung siya ay 85 years old pababa sa katapusan ng termino ng pautang, walang natitirang balanse sa kaniyang pagkakautang o di kaya ay overpayment sa ilalim ng Loan Restructuring Program at hindi kumuha ng advance pension sa ilalim ng Calamity Assistance Package. Kahit isang buwan pa lang na tumatanggap ng pensyon ang iyong nanay ay maaari na siyang maka-utang.

Ang halaga ng maaaring utangin sa ilalim ng PLP ay depende sa halaga ng buwanang pensyon. Nasa sa kaniya kung katumbas ng tatlo, anim, siyam o 12 buwang basic monthly pension kabilang ang P1,000 dagdag benepsiyo na natanggap ng mga pensyonado simula noong January 2017 ang kanyang uutangin sa SSS.

Babayaran ang pension loan sa loob ng anim na buwan kung 3-month loan ang kinuha ng aplikante, 12 buwan naman kung ang kinuha ay 6 months, at 24 buwan naman kung 9 o 12-months equivalent.

May ipinapataw na 10 porsyentong interes kada taon sa pension loan hanggang sa mabayaran nang buo ang kaniyang utang. Mas mababa ito kung ikukumpara sa ilang mga pribadong kumpanyang nag-aalok ng pension loan. Ang kagandahan sa PLP,  walang kukunin na kolateral ang SSS tulad ng ATM Card ng pensioner. Bagama’t ibabawas ng SSS ang pagkaka-utang ng pensioner-borrower sa kaniyang buwanang pensyon, may net take-home pension pa rin siya na 47.25%. Sinisiguro pa rin ng SSS na may matatanggap pa rin sila na buwanang pensyon bilang pantustos sa pang-araw araw nilang pangangailangan.

Simula nitong May 30, 2022, ang mga first-time pensioner-borrowers ay maaari nang matanggap ang kanilang loan proceeds sa pamamagitan ng kanilang PESONet accredited disbursement banks. Ibig sabihin, maaari nang idaan sa kanilang mismong bangko kung saan nila tinatanggap ang kanilang pensyon. Dati kasi ay sa pamamagitan lang ng UMID Card na na-enrol bilang ATM at UnionBank Quick cards idinadaan ang pension loan proceeds.

Simula rin noong nakaraang linggo, ang mga first-time pensioner-borrowers ay maaari nang mag-apply ng Pension Loan online sa My.SSS Portal. Mag-log in lamang ang pensioner sa kanyang My.SSS account, piliin ang “Loan” sa ilalim ng “E-Services Tab” at i-click ang “Apply for Pension Loan”. Piliin ang Disbursement Account kung saan gustong matanggap ng pensioner ang kaniyang loan proceeds. Lalabas sa screen ang computations na pagpipilian ng pensioner-borrower at i-click ang “Submit”.

Hintayin ang notipikasyon bilang patunay na aprubado na ang pension loan application. Magpapadala rin ang SSS ng notipikasyon sa registered e-mail ng pensioner-borrower. Hintayin lamang ng three working days bago matanggap ang pension loan proceeds.

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Ganyan lang kabilis at kaginhawa ang aplikasyon sa Pension Loan online. Para naman sa mga walang internet o hirap gumamit ng computer at gadgets, mas pinaginhawa namin ang inyong pagaapply dahil may E-Center ang SSS branch na kung saan matutulungan ng mismong SSS employee ang pensioners na magsumite ng online application. Paalala lang ng SSS na huwag ibigay sa mga hindi kakilala o hindi mapagkakatiwalaang tao ang mga log-in credentials upang maiwasang mabiktima ng online scamming.

Sa mga nais na mag-apply ng over the counter ay maaari pa ring tumanggap ang mga branches ng aplikasyon para dito.

Magpadala lamang ng email sa rillortac@sss.gov.ph kung may katanungan, paglilinaw o anumang paksa tungkol sa SSS na nais ninyong pag-usapan.

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