Get a Calamity loan from Digido!

In the Philippines, there is a сalamity loan. There are several government programmes: the GSIS сalamity loan, SSS and Pag-IBIG. If you do not qualify for any of these programmes, you can borrow in Digido.

Calamity Loan Applying

Last updated: October 25, 2022

Written by: Sean Martin D. Plantado | Reviewed by: Rafael Hular

Key takeaways:

  • In the Philippines, there is a Calamity loan.
  • You can use it to borrow money and repair your home if a disaster damages you and your family.
  • There are several government programmes: the GSIS Calamity loan, SSS and Pag-IBIG.
  • The good thing is that the government provides several options through which you can get help.
  • If you do not qualify for any of these programmes, you have the option of getting a Calamity loan from Digido.

Nobody is prepared when calamity strikes, most especially a financial one. A calamity puts us at risk, and many things can happen like property destruction and even death.

The good news is that there is a calamity loan in the Philippines. You can use it to borrow money and fix your home if the calamity has done it to you and your family.

Today, we will talk about GSIS calamity loans, the SSS Calamity Loan and other types of these loans you can avail of in the Philippines. After reading, you should be able to decide how you want to go about filing a loan.

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What is a calamity loan in the Philippines?

A calamity loan is a kind of loan that is provided to victims of calamities like flooding, earthquakes, and typhoons. Being the equator, the Philippines is subject to typhoons and volcanic eruptions. When these natural disasters occur, people lose their properties and even businesses.

Some of them get displaced. It is not unusual for houses to get damaged and crops to die. In worst-case scenarios, their houses collapse, and they lose everything. The government offers  loans for people who need help, but only if you could prove that you are a victim. If you can get a calamity loan assistance, your area of residence or business must have been declared to be in a state of calamity.

TAKE NOTE: you have to provide evidence that you are a victim of calamity before you can apply.

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SSS Calamity Loan

The first type of this loan that we will talk about is the SSS (Social Security System) Calamity Loan. You can apply for it after a devastating earthquake or typhoon. At the time of the COVID-19 pandemic, SSS also launched the COVID 19 assistance program.

SSS Calamity Loan requirements

First of all, you have to be eligible before you can apply for a calamity loan assistance program.

Below are the eligibility requirements:

✔ You must be a resident of the Philippines;

✔ The residency must be declared as within the state of calamity;

✔ You must have at least 36 months of monthly contributions; the last 6 months must also be paid prior to applying for a loan.

If you meet these requirements, you can get a SSS Calamity Loan form 2021 from any SSS office, fill it up, and then submit the other requirements.

Here are all the requirements:

✔ The accomplished loan application form;

✔ Barangay certification that you really live in the area that was declared as in a state of calamity;

✔ 2 valid government IDs.

Once you have all these, you can now proceed with the loan application.

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How to apply for SSS Calamity Loan

If you want to apply in person, you have to go to any SSS office and then submit all the requirements mentioned above. Do not forget to make photocopies of them.

The faster way is to apply online. To do this, go to the SSS portal and create an account.

Once this is done, log in to your account and then follow the steps below:

✔ Click on ‘E-SERVICES’;

✔ Choose to ‘Apply for Calamity Loan’;

✔ Fill in the required details.

Next, wait for instructions that will be sent to you. You may also receive a call or text from the government office.

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SSS Calamity Loan COVID-2020

This is a new SSS program to help address the pandemic called SSS Calamity Loan COVID 2020. This was only launched in April of 2020. Members of SSS could borrow up to ₱20,000 or something equivalent to one month of salary.

To apply, you can use the SSS website or app.

Below are the eligibility requirements:

✔  Members must have paid 36 months in monthly contributions and must at least have paid the last 6 months prior to the loan application.

✔  The home address of the member must also be in a state of calamity. In the case of COVID, not everyone can apply but only those who live in towns and cities that have high cases of the virus – this must be announced by the government.

Of course, the borrower must not be a delinquent before and must not have availed of the same  loan recently. The COVID  loan is payable in 27 months.

If you do not have SSS but you have a PAG-IBIG account, you can also get a PAG-IBIG Calamity Loan program to help you with your financial woes.

Like the SSS loan, the PAG-IBIG  Loan is reserved for people who need immediate financial assistance. Only those that were affected by a calamity can apply.


  • Where can I apply for a calamity loan?
    There are several government programmes: the GSIS сalamity loan, SSS and Pag-IBIG.
  • Who is entitled for calamity?
    You must be an actively contributing member residing in an area declared by the Office of the President or the Local Sanggunian under a state of calamity, with at least twenty-four (24) monthly membership savings (MS) and sufficient proof of income to qualify.
  • Can I avail calamity loan with existing salary loan?
    Members with an existing loan or multi-purpose loan—as long as the loan isn't in default—may still apply. You can apply for the loan within 90 days from the State of Calamity declaration in your area.

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PAG-IBIG Calamity Loan

To apply for a PAG-IBIG  Loan, you need to sign a form called PAG-IBIG Calamity Loan 2021 form. You can fill this up online through the PAG-IBIG Calamity Loan application 2021 and download and print it, or you can simply go to any PAG-IBIG office and then ask for it.

PAG-IBIG Calamity Loan requirements 2021

First, you have to be an active member before you can avail of the PAG-IBIG  Loan 2021;
You should be currently residing in an area that is in a state of calamity;
You must have been a member for at least 24 months before you can avail of PAG-IBIG Calamity Loan fund.

You should be able to provide a sufficient form of income to qualify and you must not have any kind of existing loan (including a calamity one).

Now, to get the PAG IBIG  Loan 2021, you have to complete the PAGIBIG Calamity Loan form 2021 and then go to the office. There is also a way to do this online.

How to get PAG-IBIG fund online

✔ Go to Virtual PAG-IBIG;

✔ Click on ‘Apply for a Short-term Loan’;

✔ Download the PAG-IBIG  Loan 2021 fillable form, print it and fill it out;

✔ Prepare your PAG IBIG  Loan 2021 requirements and scan them;

✔ Take a selfie photo.

Before you can complete the PAG-IBIG Calamity Loan online application 2021, you must have a PAG-IBIG cash card and ID. You can get the ID from PAG-IBIG, and the cash card from a bank. You must have a bank account at Asia United Bank, Union Bank of the Philippines, and other banks that are supported by PAG-IBIG.

If you do not want to go through the PAG-IBIG Calamity online Loan application, you can simply go to their office.

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GSIS Calamity Loan

The last source of loan you can get from the Philippine government is called the GSIS Calamity Loan program. GSIS is the equivalent of SSS, but only for government employees. Before you can apply for this, you have to prove that you are a government employee.

Here are the requirements:

✔ You must be in active government service;

✔ You must not be on leave without pay, like suspension;

✔ You must not have any criminal charges or any administrative charges;

✔ You must not have debts to the government;

✔ You must be a resident of the area that was declared as under a state of calamity.

Like the SSS Calamity Loan, you have to get a form from the government and fill it out. You have to prepare your barangay clearance stating that you are a resident of the area that was declared to be under a state of calamity. You also need to prepare a document proving that you are in active service to the government office you belong to. You must also prepare valid IDs.

Once you have all of these you have to go to the GSIS office to apply. Once the application is completed, you have to wait for approval. Do not forget to bring your eCard as well. If asked, you can also say that this is an emergency loan. The loan term is up to 3 years. The interest rate varies, but it is surely not bigger than what you will pay if you apply for a loan from a bank.

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Alternative to government loans

If you do not qualify for any government calamity loan, one great alternative is Digido. It is a private institution that allows you to file for a loan amount up to ₱25,000 with low interest rate.

Digido is really simple. You just have to go to the website and apply. Of course, you must be a resident of the Philippines to be able to apply. You only need to send a copy of your ID and proof of income.

The good thing about Digido is that they lend to people up to 70 years old, and your loan can be approved in as short as 24 hours.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated


It is a tough thing to deal with calamities. Your livelihood can be put to a halt, and you will certainly need money to jumpstart the business that has been impacted.

The good thing is that the government provides several options by which you could get help. You can take advantage of the programs of SSS, GSIS, and even PAG-IBIG. If you do not qualify in any of these, you have the option to apply from banks or from Digido.

Apply now

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Digido Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.