Dear Agency Partners,
GSIS Computer Loan
The GSIS Computer Loan is a one-time loan which aims to financially aid members to be able to meet their personal or family’s need to purchase a computer for the WFH arrangements as well as on-line or distance learning education formats.
The Computer Loan is proposed to be offered for a period of six (6) months.
| Loan Amount | Thirty Thousand Pesos Php30,000.00 |
| Loan Term | Three (3) years in thirty six (36) equal monthly instalments |
| Interest Rate | Six percent (6%) per annum computed in advance The monthly interest and outstanding balance of the loan shall be computed based on diminishing balance. A fraction of a month is considered one (1) month. The effective rate per annum that shall be used will be 11.6631% for three (3) years |
Qualified Loan Borrowers
Only active members with permanent appointments shall be qualified to avail of the GSIS Computer Loan provided that the member:
- Has at least three (3) monthly premium contributions for both Personal Share and Government Share at the time of application;
- Has no pending administrative case and/or criminal case;
- Is not on leave without pay;
- Has no past due GSIS loan/s except housing loan;
- Is employed in an Agency which is not classified as “suspended”; and
- Can comply with the minimum net take home pay of P5,000.00, or amount as provided in the General Appropriations Act, after all the required monthly obligations have been deducted.
Loan Certification
The certification and/or approval by the Agency Authorized Officer (AAO) of the GCL applications shall be done manually, using the back portion of the GCL application form.
Loan Redemption Insurance
A Loan Redemption Insurance (LRI) in the amount of Three Hundred Sixty Pesos (Php360.00) shall be deducted from the proceeds of the loan. This means that if the borrower dies during the term of the loan, and the loan is not in default, the loan shall be deemed fully paid by virtue of the LRI coverage.
Crediting of Loan Proceeds
The proceeds shall be directly credited to the UMID/eCard account of the member. The member shall be informed of the loan crediting through email and/or text message (via registered email address or cell phone number)
How to apply for GSIS Computer Loan (GCL)?
Since GCL is not available in the kiosks, member may apply via:
- Email using registered email address or thru AAO
- eGISMO
- Office Dropbox
- Over-the-counter (by appointment, send request to [email protected])
For application via email, kindly follow the guide below:
Step 1. Download a loan application form from the GSIS Website (https://www.gsis.gov.ph/downloadable-forms)
Step 2. Fill out the downloaded loan application and tentative computation
Step 3. Prepare the following in JPEG or PDF files:
- Duly accomplished application form and signed tentative computation;
- Clear photo of UMID/Temporary eCard or two (2) valid government-issued IDs, if UMID/Temporary eCard is lost;
- Clear picture of borrower holding the duly accomplished application form and his/her GSIS UMID/Temporary eCard or two (2) valid government-issued IDs, if GSIS UMID/Temporary eCard is lost;
Step 4. Create an email using registered email address. In the email Subject/Title, provide the following information:
- GCL_[BP NO.]LAST NAME, FIRST NAME][AGENCY NAME/ADDRESS]
- GCL_2001234567_DELA CRUZ, JUAN_DEPED LAGUNA
Step 5. Email the abovementioned documents to [email protected]. (maximum of 2 MB per email)
Important: When submitting requirements via eGSISMO, the application form and signed tentative computation must be scanned into one file as only two attachments are allowed for the GCL. The other attachment is reserved for the photo of the member holding his/her UMID/Temporary eCard or two valid government-issued IDs, if his/her UMID/Temporary eCard is lost.
For clarification/assistance, please send your email to [email protected].
We hope that you and your family are healthy and safe.
We thank you for your continued support and cooperation.
GSIS Laguna Branch Office
