Filing of GSIS Consoloan (Consolidated Loan) Over-the-Counter Transaction

GSIS Hotline: 8474747

If you only have a temporary e-Card and still waiting for your Common Reference Number (CRN) to get your UMID card, and you need to file for a Consolidated Loan at GSIS then you should file it over the counter.

Note: GSIS Consoloan can only be availed by those who have rendered not less than 20 months in government service. 

Filing is very easy. Here are the steps:  


  1. Bring your e-Card/UMID Card
  2. Photocopy of two valid IDs (back to back)
  3. Go to the Information Desk to ask for Number and Form. You can download the form at GSIS website. Click here to download.
  4. Complete the form. Make sure you know the following: e-Card number, BP number, e-Card Account number, TIN number
  5. Go to the Over-the-counter Transactions desk and wait to be called.
  6. Once called, pass the completed form and you will be inform of how much you will be getting.
  7. They will give you a print out (2 copies, keep the duplicate copy) and have it signed by you as proof that you agree. Note: There is a processing fee which will be deducted from the money you are supposed to be getting.
  8. You will be asked to go to the next desk and give the staff the completed form, photocopy of your IDs and the printed copy of your loanable amount.
  9. The staff will give you print out that your transaction was already filed and would ask you to inform your office that you filed for a loan.
  10. Authorized person from your office will approve your loan application online.
  11. Once approved, it would take 3 to 5 days before the money reach your e-Card.
Update:

For over the counter transactions, it took about 2 days before they were able to transfer the loan application to the Agency Authorized Officer for approval. Once the AAO approved the application, it only took about a day before the loan amount will be transferred to your e-Card. Pretty fast and convenient.

Note:

For those who will be withdrawing their money at Landbank of the Philippines, the maximum amount per withdrawal using your e-Card is P10,000. Meaning if you are going to withdraw 50,000 you need to insert your card 5 times, which will cost you P50.00 (P10.00 per transaction).

Filing of GSIS Consoloan (Consolidated Loan) using GW@PS




102 comments:

  1. how many montly amortization is needed before i can renew my conso loan?

    ReplyDelete
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  2. none required...The Conso-Loan is renewable as long as there are proceeds available.

    ReplyDelete
  3. may 15, 2013 - dec 5, 2014. can i avail conso loan?

    ReplyDelete
    Replies
    1. after 2 year you can avail consol loan

      Delete
  4. how long will it takes for GSIS to issue UMID card from date of application? thanks

    ReplyDelete
  5. Pwede napo ba ko mag loan august 1 2013 po ako nag start sa government

    ReplyDelete
    Replies
    1. After 2 years in service na po pwede

      Delete
  6. my gsis card is blocked. how can i fix it?

    ReplyDelete
  7. Bakit wla prin p0ng laman ung ecard q. .

    ReplyDelete
  8. is it really need to submit payslip to the division ict 4 the approval of the consol loan even if there is a deduction but the net take home pay is only 3,201.00.

    ReplyDelete
  9. pag may calamity loan pa pwede pa rin mgaconso loan

    ReplyDelete
    Replies
    1. I think so, I have an existing consoloan, nakapag calamity loan naman ako last year.

      Delete
    2. What if po may undeducted ka sa consoloan? What will happen?

      Delete
  10. After activation po ng Umid ilang days pi makapag confirm for loan

    ReplyDelete
  11. nkakuha npo ako ng UMID last last week pa ( bale mhgit 2 weeks npo nkkalipas). inactivate ko po un agad pagkakuha ko tpos sabi po sa gSIS wait lang daw po 5 to 10 days para makapagfile ng loan. BKIT PO ANG LUMILITAW PA RIN SA KIOSK AY MEMBER HAS NO EXISTING BANK ACCOUNT... nkakailang balik npo ako sa GSIS sabi lang po intayin e need ko na po mkapagloan

    ReplyDelete
  12. pwede po ba mag avail ng conso-loan para undeducted emergency loan?

    ReplyDelete
  13. nais ko po sana ia avail ang conso-loan ko para pambayad sa emergency sa gsis did po..kaya lang ayaw ng agency namin..reason may undeducted po ako..malaking tulong po sana kung makapagconso-loan po ako para maayos ko po ang deductions ng mga utang ko po sapat naman po ang net pay ko at lalaki pa ito kung makapag conso-loan po ako..karapatan ko un as legal member ng gsis po.

    ReplyDelete
  14. gaano po katagal bago makareceive ng text glng gsis na approved ang consoloan q?

    ReplyDelete
    Replies
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  16. ilang months Po bago ma renew Yung conso loan? Thanks po

    ReplyDelete
  17. undeducted po ako sa concoloan ko pwede pa rin ba ako maka avail ng emergency loan?

    ReplyDelete
  18. Ngenroll n aq ng umid last year,until ne wla p,klan release nun?

    ReplyDelete
  19. Ngenroll n aq ng umid last year,until ne wla p,klan release nun?

    ReplyDelete
    Replies
    1. mga 3 years before ma-released ang UMID card ko, pero may ecard ako. follow up mo from time to time para magawan nila ng report.

      Delete
    2. Ako nga 5 years na in service wala pa rin. Kainis

      Delete
    3. hindi mo naman ata need mag loan eh : D

      Delete
  20. Pwede knino ireklamo ang AOO kasi ayaw pyagan loan ko, nkpgptintout nko at pede n mgloan, nkpagsubmit nko application at ok n gsis, active member ako at qualified na for consoloan, two weeks n pro dipa inaaprub ng AOO nmin.

    ReplyDelete
  21. Ok nmn takehome ko ns 15k, 1st time kong mg coconso loan

    ReplyDelete
  22. Pwede po ba mag avail emergency loan khit 1 yr plg po akong member ng gsis? At panu po kng temporary ecard na issue sa akin panu po ako mkakapag confirm?

    ReplyDelete
  23. is it really need to submit payslip to the division ict 4 the approval of the consol loan even if there is a deduction but the net take home pay is only 3,201.00.

    ReplyDelete
  24. pag nagloan po ba sa consoloan eh lahat ng mga datihan kong loans like policy, emergency loan,cash advance loan ay maki-clear na ako sa utang. meaning bayad na. kaya tanging bbyaran ko nlng po ay consoloan?

    ReplyDelete
  25. pag nagloan po ba sa consoloan eh lahat ng mga datihan kong loans like policy, emergency loan,cash advance loan ay maki-clear na ako sa utang. meaning bayad na. kaya tanging bbyaran ko nlng po ay consoloan?

    ReplyDelete
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    ReplyDelete
  29. HELLO PO MATANUNG KO LANG PO KASI YUNG NAKUHA KO PONG CARD EH TEMPORARY SAMANTALA SA KASAMA KO AY UMID. BAKIT PO BA NAGKAKAROON NG TEMPORARY CARD? ANO PO BA ANG DAHILAN NITO? KASI HASSEL DITO SA AMIN KASI KAILANGAN KA PO MAGTRAVEL PAPUNTANG GSIS NG MAHIGIT 2 HOURS.

    ReplyDelete
    Replies
    1. Temporary e-card lang din ibinigay sa akin before, then almost 5 years in service na ako when I finally received my GSIS UMID card. As far as I know, natatagalan doon sa pagkuha ng common reference number (CRN) kasi nga parang UMID na lang gagamitin mo for GSIS, PAGIBIG and PHILHEALTH. Once available na yung CRN mo, saka ka palang magkakaroon ng UMID card. Follow up mo na lang every now and then para nagagawan din nila ng report. But I think by batch din sila trumabaho eh kasi yung sa amin, isang batch kami sabay sabay.

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  31. Good Day!

    Magtatanong lang po ako kasi nakuha ko na po yung umid card ko last sept 27, 2016 tapus po nag punta ako sa GSIS Mindanao branch para po for enrollment nung card, after ko po maenroll sabi nung nag assist sa akin na mag hntay daw po ako ng 5 to 10 days for bank account, tapus po nung ika-10th day nag try na po ako mag activate nung card sa Union Bank kasi yung po yung bank ng umid card ko, nag change PIN ako kasi yun po ang sabi nung nag assist sa akin. Tanong ko lang po, pwede na po ba ako bumalik ng GSIS para po mag file ng loan??

    ReplyDelete
  32. try mo na din if nakapag change pin ka na.. ako kasi I applied for loan sa kiosk near our office, then super bilis lang just inform sa accounting nyo na nagfile ka ng loan.. question lang if you have old ecard, icheck mo rin, kasi yung sa akin I used my UMID sa pag apply pero sa ecard ko pumasok yung pera.

    ReplyDelete
  33. good day june 13 po ako na permanent, can I avail the privilege loan po sa GSIS?

    ReplyDelete
    Replies
    1. Sorry I have not tried it. I waited for 2 years before ako nag loan.. consoloan.

      Delete
  34. Paano po kapag may existing conso loan then I want to avail pa po Yung ibang loans that they offerd kaso po wala pa ako UMID card until now?

    ReplyDelete
  35. what type of loan? I have an existing consoloan din when I applied for emergency/calamity loan. over the counter din ang transaction I went to their office then sa ecard ko din pumasok yung pera.

    ReplyDelete
  36. pwede po b ako magconsol loan kahit di pa na change status yung umid id ko?

    ReplyDelete
  37. Hi..ask ko lang po.. kakaenroll ko lang po sa gsis nung friday, 18 nov 2016 then after that, binigyan muna nila ako ng temporary ecard which is landbank card. The lady who assisted me told me to activate the said card after 5 working days which happens to be on 25 november 2016. My question is, can i already file for a consolidated loan in gsis on monday, 21 november 2016, while waiting for the activation of my ecard? Considering that I have been working in the government for 25 months na. Hopw you would answer my query. Thank you

    ReplyDelete
  38. Hi..ask ko lang po.. kakaenroll ko lang po sa gsis nung friday, 18 nov 2016 then after that, binigyan muna nila ako ng temporary ecard which is landbank card. The lady who assisted me told me to activate the said card after 5 working days which happens to be on 25 november 2016. My question is, can i already file for a consolidated loan in gsis on monday, 21 november 2016, while waiting for the activation of my ecard? Considering that I have been working in the government for 25 months na. Hopw you would answer my query. Thank you

    ReplyDelete
    Replies
    1. Before kasi, makikita mo online if nasubmit na ng office nyo yung contribution mo sa GSIS. So makikita mo talaga if 24 months na yung payment mo. I am not sure ngayon sa egsismo if makikita din yon.

      Medyo nalito lang ako dun sa 5 working days.. When I got my ecard, immediately, nagchange password ako dun mismo sa GSIS office. I believe na kapag nag change password ka automatically activated na yung ecard mo di ba?

      And sa question mo naman... yung pag process nila ng loans over the counter, hindi talaga natin masabi kung aabutin ba yan ng 3 days lang or 8 days ba. Depende din yan kasi sa office niya if mabilis nila maapproved yung loan mo. If mabilis din then mabilis din GSIS tapos makita nila di pa activated yung account mo, baka lalo lang matagalan ka.

      Delete
  39. Hello po. San ko po pwde inquire ung temp ecaRd number ko.nawala po kasi ito at wala ko kopya nun.thanks po sa help

    ReplyDelete
  40. The RPSU 6 keeps on disapproving my conso loan application when in fact i have an outstanding conso loan deduction of 3k++ sa payroll ko.Ano ba talaga ang requirements to be qualified for the conso loan? Nag lolo-loan ako sa private lending na sana meron namang maitutulong yong GSIS ko.

    ReplyDelete
  41. Bakit ayaw ng RPSU 6 na i grant kami ng loan sa GSIS? Bakit pag private lending ang loan namin ang bilis nila mag deduct sa payroll??? Nangungutang kami sa private lenders na sana sa GSIS pera namin yon.

    ReplyDelete
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    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  43. Kasama po ba ang week end at holiday sa 3 to 5 days na paghihintay? Thank you po

    ReplyDelete
    Replies
    1. Siempre naman hidi. And to tell you honestly, hindi naman yan nasusunod sa lagi. Mabilis talaga ang ang processing ng consoloan kapag sa GWAPS parang the following day nandiyan na yung pera pero kapag over the counter medyo nagtatagal talaga.

      Delete
  44. Hello po..i have my permanent item last march 1,2016 at nakpagregister lang po ako ng id ko last jan.17..is it possible po ba n mkapag avail ako ng calamity loan kahit over the counter kasi since march naman po may deduction na sila s salary ko..kindly reply..thanks

    ReplyDelete
    Replies
    1. Government Service Insurance System (GSIS)–Emergency Loan Qualifications

      Any GSIS member who

      1. Is in active service and not on leave of absence without pay
      2. Has no pending criminal or administrative charges
      3. Has no missing/overdue debts in their monthly contributions
      4. Has no loan that has been declared in default
      5. Is a resident or government employee in an area under State of Calamity

      Process Via GSIS Wireless Automated Processing System (G-W@PS)

      Borrower will bring their eCard Plus to any GSIS servicing office which has a G-W@PS kiosk installed

      Using the G-W@PS, the borrower must select “Emergency Loan” from the “Loan” menu and follow the steps provided to complete the transaction

      Via Office Application

      Borrower will fill up an application form at any GSIS office

      Loan Terms

      The loan is payable in 3 years or 36 monthly installments. The loan bears an interest rate of 6% per annum. A loan computation and monthly amortization will be presented to borrowers upon loan application. If the emergency loan is renewed, the balance of the outstanding loan will be deducted from the proceeds of the new loan. For inquiries and details, call the GSIS Contact Center at (02) 847-4747 or visit your nearest GSIS branch.


      Home Development Fund (Pag-IBIG)–Calamity Loan Qualifications

      Any Pag-IBIG member who

      1. Has made at least 24 monthly savings
      2. Has made at least 5 monthly savings in the last 6 months
      3. Resides in an area under State of Calamity

      Process and Requirements

      The borrower must submit the following to any Pag-IBIG office:

      1. Calamity Loan Application Form*
      2. Photocopy of at least 2 valid IDs
      3. Proof of Income
      4. Declaration of Being Affected by Calamity* (for formally employed members)

      [*Documents are available at www.pagibigfund.gov.ph and Pag-IBIG offices]

      Loans may be filed within 90 days from the declaration of State of Calamity.

      Loan Amount

      Members can borrow up to 80% of their Total Accumulated Value (TAV) subject to the terms and conditions of the program. Calamity Loan Interest rate is 5.95% per annum. The loan is amortized over 24 months, with a grace period of 3 months. Paying period begins on the 4th month following their check date.

      For inquiries and details, please contact (02) 724-4244 or visit your nearest Pag-IBIG branch.

      Delete
    2. So may ID ka na? I think pwede naman kasi wala yung requirement na kailangan naka 24 months na contribution na sa GSIS. Unlike dun sa PAGIBIG dapat naka 24 months na.

      Delete
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    ReplyDelete
  46. i am a government employee for almost 10 years now. but i lost my gsis card sometime last month and wasnt able to apply for a new one. can i apply for renewal of my consoloan even without my umid card?

    ReplyDelete
    Replies
    1. If you are going to use the GW@aps kiosk, you definitely have your UMID card with you.

      Delete
  47. Ask q lng po..ilan months po ba pwede mgreloan ulit sa consol loan..kahit may balance pa po aq..

    ReplyDelete
    Replies
    1. If you already have an existing consoloan with the GSIS, you can avail of the Enhanced ConsoLoan through loan renewal.
      Renewal may be done anytime as long as there are net proceeds, after deducting the outstanding
      balance of your previous ConsoLoan and other loans. Once you renew your existing ConsoLoan, your renewed loan shall be processed in accordance with the terms and conditions of the Enhanced ConsoLoan Plus Program.

      Delete
    2. I think so, kasi first consoloan ko parang nung 2013, have to pay for it for 6 years, but nagrenew na ako last year.

      Delete
  48. ask lang po hindi po ba pwede mag apply ng emergency loan kapag wla pa pong ecard o umid card?1 year in government service palang po.

    ReplyDelete
  49. May nakareloan naba dito na may undeducted sa payslip? Ayaw kc iapprove ng d.o. eh diba priority naman dapat ang gsis sa deductions.

    ReplyDelete
  50. This comment has been removed by the author.

    ReplyDelete
  51. Pwe d po bang maka pag conso loan kahit temporary e card lng pero naka 2 years in service napo ako.

    ReplyDelete
    Replies
    1. at least 20 months contribution po minimum requirement..

      Delete
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  53. Gdeve ask ko.lang po na avail ko na yong cosol loan ko.pero hindi parin sya deducted sa aking payslip mga one year na po..malaki na ba aking penalty?

    ReplyDelete
    Replies
    1. One year na? Try mo magregister sa egsismo website, makita mo doon details ng loan mo.

      Delete
    2. Pano po pag undeducted ang conso? Tapos di ko mabayaran over the counter? Magkakakaso po ba ako? Or malalaman ba ng school head ko po? Thanks

      Delete
    3. Baka mabigla ka na lang kung gaano na kalaki ang interest ng loan if hindi mo siya hulugan..

      Delete
  54. pano po kapag wala pa temporary card ng gsis at gusto ng mgloan..pwde po ba yun?

    ReplyDelete
    Replies
    1. I think kailangan mo kumuha ng ID before ka makapagloan.. follow up mong ecard mo if naka 2 years in service ka naman na.

      Delete
  55. pwd ba magconso loan kahit 4k nlng ang net? wlang unded.

    ReplyDelete
  56. Tanong lang po. Nakapag apply na ako for Id last May. Maiissuehan na pp kaya ako ng ecard pag pumunta ako sa GSIS? Salamat po.

    ReplyDelete
  57. Tanong lang po. Nakapag apply na ako for Id last May. Maiissuehan na pp kaya ako ng ecard pag pumunta ako sa GSIS? Salamat po.

    ReplyDelete
    Replies
    1. In our case, matagal siya. Hindi talaga agad agad or weeks lang. I suggest na tumawag ka muna sa hotline nila to inquire if available na ang ecard mo para di masayang ang oras mo pagpunta sa office nila.

      Delete
  58. i applied consol loan last june 30, 2017, when po approval,, ilang days po,,first time to aplly for conso loan po...maraming slamat po

    ReplyDelete
    Replies
    1. Over the counter po ba yan or naka UMID ka? If over the counter, mga 3-5 days depende sa mag aapprove sa office nyo. If ma approve agad ng AAO ninyo, saka palang maprocess yon ng GSIS.

      If UMID naman, same din, wait for the approval ng AAO ng office nyo then kung maapprove niya for example this morning, afternoon or morning kinabukasan nasa account mo na yung pera.

      Delete
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  60. ASk ko lang po. Kung may UMID ka na at may laman na naman ito ay di ka makawithdraw sa kahit saan atm machine even sa atm ng landbank ay ano po kaya ang problem nun? Kagabi pa po until ngayong umaga ay nagtry ako pero wala pa din.

    ReplyDelete
    Replies
    1. I think offline ang bank mo (landbank) kapag hindi ka makawithdraw anywhere. If I remember it right, nagbigay ng notice ang landbank about it.

      Delete
  61. Helo...i would like to ask about my umid id...i think that was last year ago or early this year..i havent recrive it yet...can i ask the availabilty of my card to the nearest gsis office?

    ReplyDelete
    Replies
    1. Matagal po talaga siya maprocess. Mine took about 2-3 years siguro. Then magpapadala naman sila ng list sa office ninyo kapag available na yung UMID nyo, usually nakabatch iyan so marami kayo. In our case, nagpunta mismo sa office namin yung taga GSIS, then pinareceive sa amin yung UMID namin.

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  64. how can I withdraw the money with my temporary lbp atm ecard whent it says . invalid transaction e sa LBP man ako nag withdraw. pumasok n ang pera s atm but d ko ma withdraw? what can I do?

    ReplyDelete
  65. how can I withdraw the money with my temporary lbp atm ecard whent it says . invalid transaction e sa LBP man ako nag withdraw. pumasok n ang pera s atm but d ko ma withdraw? what can I do?

    ReplyDelete
    Replies
    1. Pwedeng mag over the counter ka na lang if hindi mo siya mawithdraw. Pacheck mo siya sa mismong bank para sure. Possible na hotcard yung atm mo so hindi mo magamit. If that's the case, papalitan na dapat yon.

      Delete
  66. May text confirmation po ba na marereceive kung nasa card na po yung pera? Ecard po ng union ang naissue sakin. Wala pa po yung umid. Naapprove na po ng AAo yung conso application.

    ReplyDelete
  67. my iba pa bang option ang tagal na ng umid wla p rn sakin, kya d ako mkpag loan dahil my crn n raw ako kya d mgamit ang ecard ko

    ReplyDelete
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  69. Ngavail po Ng policy loan sa kiosk last 3 days...Need p b papproved sa aao...Ngcheck po kc ako wla p eh ung inavail ko po di ako mdededuct...

    ReplyDelete
  70. Paano po kung ang isang government employee ay may consoloan tapos bigla na lng sya nagresign. babayadan ba nya yung consoloan nayun oh kukunin n lang sa contribution nya?

    ReplyDelete
  71. Paano po kung walang salary deduction na ginawa ang pinagtatrabahuan ko? Ang first due month ng loan ko ay noong December 2016 at maturity date nito ay December 1, 2017. May 12% interest na po ba sa babayaran ko kapag direct payment.

    ReplyDelete