Check Here the Details about the GSIS Calamity Loan 2025
GSIS CALAMITY LOAN 2025 – Here is a guide on the Emergency Loan offer of the Government Service Insurance System.
In the Philippines, countless Filipinos are members of the Government Service Insurance System. More popularly called GSIS, it is a social insurance giant that provides many benefit offers as well as loans for its members.

It is known that the Philippines is one of the countries that is usually hit by a calamity. In a year, it records at least seven (7) typhoons and several earthquakes with varying intensities daily. Thus, an eligibility to a calamity loan is really an edge.
The good news for the members of the Government Service Insurance System is that the social insurance giant does not only offer the GSIS MPL Lite Loan but as well as the Emergency Loan. It is also popularly called the GSIS Calamity Loan.

Who are qualified to apply for the GSIS Calamity Loan offer? Here are the eligibility requirements set under it:
- residing or working in a calamity-declared area
- not on leave of absence without pay
- with 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
- without pending administrative case and/or criminal charge
- with no due and demandable loan
- with 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

Under the Calamity Loan offer of the social insurance giant, a member-borrower may get up to Php 20,000. It is a good amount that can help in recovering from the impacts of a calamity.
The loan is payable for up to three (3) years or 36 monthly installments under an interest rate of 6%. The interest is pro-rated. Kindly note that a redemption insurance equivalent to 1.2% of the gross amount borrowed will be deducted from the loan.
How to apply for the GSIS Calamity Loan offer? There are three (3) ways that you can choose from. Here is a guide on how you may avail the Emergency Loan offer of the social insurance giant:
via eGSISMO
- Open your eGSISMO account (BP number and PW)
- Tap/Click Loans Application icon and choose 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)
- Confirm Loan Agreement and tap/click SAVE
- Await email confirmation from GSIS for further instructions.
via Email
- Provide the required information in the Emergency Loan Application Form 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
- Await email confirmation from GSIS for further instructions
via GWAPS Kiosk
- Visit a GWAPS kiosk nearest you.
- Put your eCard Plus/UMID in the G-W@PS kiosk card reader. Put the enrolled finger in the biometrics scanner. Your personal data will appear on the screen once your finger is recognized.
- Pick Loan Windows icon and tap/click on Emergency Loan
- Put your finger on the biometrics scanner to confirm your loan application
- For approved loan applications, you can withdraw anytime your loan proceeds from any Megalink, Bancnet and Expressnet ATM located nationwide.
For Filipinos who are members of government entities, there are several entities that you can turn to in times of calamities because of the presence of the Pag-IBIG, SSS and GSIS Calamity Loans.