SSS, Pag-IBIG & personal loans
How loans and credit work in the Philippines, from SSS and Pag-IBIG member loans to personal and business credit, and the records that keep you tax-ready.
A 2026 guide to the SSS salary loan: 36-contribution eligibility, how much you can borrow (1-2x your average MSC), the 8% interest rate, the 24-month term, a step-by-step My.SSS online application, a worked PHP example, and when loan interest is tax-deductible for your business.
Read guide →Complete 2026 guide to the Pag-IBIG Multi-Purpose Loan: borrow up to 90% of your TAV at 10.5% per annum, eligibility, repayment, how to apply via Virtual Pag-IBIG, MPL vs calamity loan, and when the interest is tax-deductible for your business.
Read guide →Complete 2026 guide to the Pag-IBIG housing loan: up to P10M loanable, rates from 3%, 30-year terms, eligibility, step-by-step application, plus the amilyar and property taxes you pay after you buy.
Read guide →A 2026 guide to business loans in the Philippines: banks, SB Corp, SSS, Pag-IBIG, and digital lenders, plus how to deduct loan interest as a business expense with BIR.
Read guide →