MANILA, Philippines – Inanunsyo ng Social Security System (SSS) nitong Huwebes, Oktubre 24 na maaaring makapag-avail ang mga miyembro at pensioner nito na apektado ng Severe Tropical Storm Kristine ng salary at pension loans.
“As part of our proactive response to the urgent financial needs of our members and pensioners during natural calamities, the SSS loan programs are readily available to support their recovery,” pahayag ni SSS Senior Vice President for Lending and Asset Management Group Pedro Baoy.
Para makapag-avail ng isang buwang salary loan, ang employed, self-employed, at voluntary members ay dapat na mayroong 36 monthly contributions, at
hanggang anim na contributions sa loob ng 12 buwan patungo sa panahon ng loan application.
Dapat ay mayroon ding 72 contributions ang mga miyembro kung nais naman nilang mag-avail ng two-month salary loan.
“They must be under 65 years of age at the time of loan application and have not been granted any final benefit like total disability, retirement, or death benefits,” ani Baoy.
Samantala, ang individually paying members ay dapat na mayroong anim na posted contributions sa ilalim ng kasalukuyan nilang membership type bago ang buwan ng loan application.
“Employers’ compliance is crucial in these situations since their updated contribution and loan payments are essential for their employee’s loan eligibility,” dagdag pa ni Baoy.
Ang kanilang salary loan ay maaaring bayaran sa loob ng dalawang taon sa pamamagitan ng 24 equal monthly amortizations na may annual interest rate na 10 percent.
Samantala, ang retirement pensioners ay maaaring makakuha ng kanilang SSS pension loan na katumbas ng tatlo, anim, siyam o 12 beses ng kanilang basic monthly pension dagdag pa ang P1,000 additional benefit, na hindi lalampas ng P200,000.
Ang loan amortization, na may 10 percent annual interest rate sa diminishing principal balance, ang ibabawas mula sa monthly pension.
Ito ay magsisiguro na ang Net Take Home Pension ay nananatili sa 47.25 percent ng Basic Monthly Pension (BMP) at karagdagang P1,000 benefit.
Available ang repayment terms para sa anim, 12, o 24 months depende sa loan amount.
“If retirement pensioners availed of the 18 months advance pension, they must be receiving their regular monthly pension for at least one month,” sinabi ni Baoy. RNT/JGC
