Check on the GSIS MPL Flex 2025 Offer’s Features
GSIS MPL FLEX 2025 – The Government Service Insurance System crafted a multi-purpose cash loan offer with excellent features to qualified members.
When it comes to social insurance entities, one of the giants in the Philippines is the Government Service Insurance System. More popularly called GSIS, it has millions of members across the nation mainly composed by individuals who are working in the government.
Meanwhile, there are also members of the GSIS who have left the government service but have decided to continue with their membership. An active membership to the state entity may widen your financial options.
Aside from the different benefits that GSIS has for its members, the social insurance giant also has several loan offers. Through the years, the list of GSIS loans has continuously lengthened and the social insurance giant now offers GSIS Multi-Purpose Loan (MPL) Flex.
The GSIS Multi-Purpose Loan Flex or MPL Flex is a cash loan offer that can attend to different needs. A qualified member may apply for it to make a personal purchase, travel, boost a business capital, throw an event, etc.
The social insurance giant boasts its loan offer with a high loanable amount, low interest rate, flexible payment terms, and accessible eligibility criteria. Under the GSIS MPL Flex, a member may avail up to 14x of his/her basic monthly salary.
Under the MPL Flex, the following loans of the member-borrower may be consolidated:
- Salary Loan (SL)
- Restructured Salary Loan (RSL)
- Enhanced Salary Loan (ESL)
- Emergency Loan Assistance (ELA)
- Summer One-Month Salary Loan (SOS)
- Conso-Loan Plus / Enhanced Conso-Loan Plus
- Member’s Cash Advance / eCard Cash Advance / eCard Plus Cash Advance
- Home Emergency Loan Program (HELP)
- Educational Assistance Loan I and II (EAL I / II)
- Fly PAL, Pay Later (FPPL)
- Study Now, Pay Later (SNPL)
- Stock Purchase Loan (SPL)
With regards to the borrowing amount allowed by the Government Service Insurance System, there are factors that affect it. Here’s a guide on how much you may borrow:
| Paid Premium Contribution | Maximum Loan Amount | FLEXible Payment Term |
| At least 1 month buth less than 20 mos. | 1x Basic Month Basic Salary | 1 year up to 3 Years |
| At least 20 mos. but less than 3 years | 3x Basic Monthly Salary | 1 year up to 6 Years |
| At least 3 years but less than 5 years | 4x Basic Monthly Salary | |
| At least 5 years but less than 10 years | 7x Basic Monthly Salary | |
| At least 10 years but less than 15 years | 10x Basic Monthly Salary | 1 year up to 15 Years |
| At least 15 years or over | 14x Basic Monthly Salary |
According to the Government Service Insurance System, the GSIS Housing Loan cannot be consolidated under the Multi-Purpose Loan Flex. For the first-time availees of the loan offer, the social insurance giant has a one-time waiver on the outstanding surcharges on due and demandable GSIS loan accounts.
The interest rate under the GSIS MPL Flex is set at 6%. Even members who have posted only one (1) premium under their account may apply for the loan offer. For the application, there are requirements for the GSIS MPL Flex application that member must submit.