The Government Service Insurance System (GSIS) has activated its emergency loan facility for members and pensioners in four areas declared under a state of calamity due to Severe Tropical Storm Crising and the enhanced southwest monsoon (habagat).
The affected areas are Cavite, Quezon City, Umingan in Pangasinan and Calumpit in Bulacan. The loan aims to provide immediate financial relief to those impacted by the recent weather events.
Eligible individuals in Umingan, Pangasinan and Calumpit, Bulacan, can apply until Aug. 23, 2025. For Cavite and Quezon City, the application period extends until Oct. 23, 2025.
“This emergency loan is one way we can quickly respond to the needs of our members and pensioners affected by the recent calamities,” said GSIS officer-in-charge Juliet Bautista.
GSIS expects to expand the list of covered areas as more local government units (LGUs) submit their official calamity declarations. This will ensure broader access to emergency financial assistance for those in similarly affected locations.
Qualified members with existing emergency loans can borrow up to P40,000, while first-time borrowers may avail up to P20,000. The loan is payable over three years, with a 6-percent annual interest rate and no processing fee.
To qualify, active members must be working or residing in the declared calamity area, be in active service, not be on unpaid leave, have no pending administrative or legal cases, and have paid at least six monthly premiums.
They must also maintain a net take-home pay of at least P5,000. Old-age and disability pensioners are also eligible, provided their net monthly pension after loan amortization is at least 25 percent of their gross pension.
Members and pensioners are encouraged to apply via the GSIS Touch mobile app for faster processing. For those not yet registered with the app, applications can be made through any GWAPS kiosk located in GSIS branches, select government offices, or over the counter.
