Employees who have paid 36 monthly contributions are qualified to avail of the one-month salary loan equivalent to the average of the employee's 12 latest posted Monthly Salary Credits (MSCs), rounded to the subsequent higher MSC, or the amount the employee applied for, whichever is lower. Since the maximum Monthly Salary Credit is 25,000, employee who pay the maximum monthly contribution can borrow the maximum loanable amount of Php 25,000.

Meanwhile, employee who have paid 72 monthly contributions are qualified to avail of a two-month salary loan which is equivalent to twice the average of the member’s posted Monthly Salary Credits (MSCs) in the last 12 months, rounded to the subsequent higher MSC, or the amount the member applied for, whichever is lower. Given that the maximum Monthly Salary Credit is 25,000, members under this category who regularly pay the maximum contribution amount can borrow the maximum loanable amount of Php 50,000.

Take note that the final amount will still be subject to deductions. These include the advance interest and a service fee equivalent to 1% of the loan amount. For example, if you’re borrowing Php 37,000, you will only get Php 36,315.75 after deducting the advance interest amounting to Php 314.25 and a service fee of Php 370.