GSIS extends Balik Ginhawa relief to six months

MANILA, Philippines – The Government Service Insurance System (GSIS) has expanded its Balik Ginhawa loan relief program to allow qualified members and pensioners to recover up to six months of eligible loan amortizations from the previous three months.

In a statement on Wednesday, GSIS said borrowers may claim refunds for eligible loan payments made from December 2025 to May 2026.

READ: GSIS offers relief to gov’t workers via 3-month loan moratorium

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The state-run company said it will accept applications from July 1 to Oct. 31.

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Launched in April, the Balik Ginhawa program aims to cushion members and pensioners from rising living costs amid the Middle East war. The expanded version doubles the refundable period to six months.

The expanded coverage includes active GSIS loan accounts, including housing loans. However, it excludes loans under the Ginhawa Green Loans Program, particularly the Ginhawa Solar Energy Loan and the Ginhawa Bike and E-Mobility Loan.

Meanwhile, GSIS will deduct any refund borrowers received during the program’s initial rollout from their total claim.

Still, members and pensioners who received less than the full three-month refund may claim the balance, along with refunds for the additional three months.

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Moreover, GSIS clarified that refunded amortizations will not count as missed payments or arrears. Thus, GSIS will not penalize qualified members and pensioners or classify them as delinquent.

READ: GSIS loan moratorium: Frequently asked questions

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However, loan accounts with more than six months of missed payments remain ineligible. GSIS also excludes fully paid or renewed loans, members with pending or approved retirement or separation benefit claims, and those without a designated GSIS bank account.

GSIS noted that refunds do not cover advance payments made before a loan’s first due date because GSIS treats them as principal payments rather than monthly amortizations. /pai INQ

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