Step 1. Go to the GSIS Website and click on the “Downloadable Forms” link (https://www.gsis.gov.ph/downloadable-forms/). Download the online application form of the loan of your choice: (1.) ENHANCED CONSO-LOAN PLUS, (2.) PENSION LOAN and (3.) POLICY LOAN.
Save a PDF file copy of your duly-accomplished loan application form (for email attachment later).

Step 2. Take a photo of yourself holding your GSIS UMID eCard (or your temporary card).


If you do not have a GSIS temporary or UMID eCARD, you can present two (2) valid IDs instead. Take a photo of the two ID cards (front and back) and a clear photo of yourself holding the 2 ID cards.
Save a PNG or Jpeg copy of your ID photos (for email attachment later)

Step 3. Create an email using your personal or your agency-assigned email address.
For easy identification, please use the following format in the email Subject Title: “Loan Application_BP Number._Last Name_First Name_Agency or City / Province”

Sample Subject Title for Active Members:
“GSIS LOAN APPLICATION_2000123456_DELA CRUZ_JUAN_DPWH CEBU”
Sample Subject Title for Pensioners:
“PENSION LOAN_20000123456_DELA CRUZ_JUAN_RIZAL”

Step 4. Compose a short letter and attach the two supporting documents to your e-mail message, namely: (1) PDF copy of duly-accomplished loan application form and (2.) ID photos.
Send the abovementioned documents to the designated email address below (maximum of 5 MB per email) depending on your residence and/or area of work:

AREA EMAIL ADDRESS
  • National Capital Region (NCR), including Quezon City, Cavite and Rizal gsiscares@gsis.gov.ph
  • North Luzon gsisnorthluzon@gsis.gov.ph
  • South Luzon gsissouthluzon@gsis.gov.ph
  • Visayas Area gsisvisayas@gsis.gov.ph
  • Mindanao Area gsismindanao@gsis.gov.ph

Step 5. After you have sent your loan application, please check your email regularly and wait for your Tentative Loan Computation and Loan Conformity (Conforme) from GSIS.

Once you have received the abovementioned documents, email it back to GSIS to signify your conformity to the terms of the loan agreement.