The Emergency Loan is payable in three years or 36 equal monthly installments at an interest rate of six percent per annum.

If an emergency loan is renewed, the balance of the outstanding loan will be deducted from the proceeds of the new loan.

Who can avail of the Emergency Loan?

To qualify for the emergency loan, the member-applicant must be: a bona fide resident or employee of the government office within the declared calamity area; be in active service and not on leave of absence without pay; has no pending criminal or administrative charges; has no arrearages in the payment of mandatory social insurance contributions; and has no loan that has been declared in default.

For a calamity-hit area, it must be declared in a state of calamity by its Sangguniang Panlalawigan/Panglungsod and approved by the GSIS Board of Trustees before members working in government offices in the said area become eligible for the Emergency Loan.

How can members apply for the Emergency Loan?

Eligible members can avail of the Emergency Loan using their eCard Plus on any GSIS Wireless Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and in select government offices in different parts of the country.

To apply for the Emergency Loan using the kiosk, a member needs to first place his eCard Plus on the card reader of the kiosk. Then, he needs to place any of his pre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS, a member must select "emergency loan" from the list of loans available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the transaction.

Eligible members can also apply for the Emergency Loan through over-the-counter (OTC) application to be filed in GSIS offices covering the abovementioned calamity-declared areas. To apply for the emergency loan via OTC, eligible members have to accomplish an application form.

A tentative computation of their loan proceeds and monthly amortization will also be shown to member-applicants when they apply via G-W@PS kiosk or OTC.