GSIS eCard PlusReplacement

GSIS eCard PlusReplacement


Need to replace your eCard Plus? No need to worry, just follow these simple steps:

For lost eCard Plus

1. Call immediately any Union Bank branch to inform them that your eCard Plus is missing so they can block your account to prevent others from using it.
2. Execute an affidavit of loss duly notarized by a lawyer.
3. Go to any Union Bank branch and fill-up an eCard Plus replacement form.
4. Submit to the Union Bank personnel the accomplished eCard Plus replacement form with the Affidavit of Loss.
5. Pay the corresponding replacement fee of P300.00.
6. In a few weeks, you can get your new eCard Plus from the Union Bank branch where you applied or through snail mail

For damaged eCard Plus

1. Present your damaged eCard Plus at any Union Bank Branch.
2. Fill-up an eCard Plus replacement form.
3. Submit to the Union Bank personnel the accomplished eCard Plus replacement form.
4. Pay the corresponding replacement fee of P P300.00.
5. In a few weeks, you can get your new eCard Plus from the Union Bank branch where you applied or through snail mail

Important reminder:

You can still withdraw money from your eCard Plus through over-the-counter transaction at any Union Bank Branch. Just present valid IDs and your Union Bank savings account number.

GSIS eCard PlusReplacement

GSIS Enroll for eCard Plus

GSIS Enroll for eCard Plus

How to enroll for eCard

If you are a new government employee or an old age pensioner or survivor, you need to enroll for your eCard to avail of the numerous benefits as a GSIS member.

For MEMBERS, here are the steps on how to enroll for your eCard:

Enrolling for an eCard

1. Bring two valid IDs (examples: company ID, LTO license, PRC license, passport, voter’s registration ID) to the nearest GSIS office nearest you
2. Accomplish an eCard enrollment form and submit it to the GSIS personnel assigned in the eCard enrollment area
3. In a few weeks, you can either get your eCard from the GSIS office where you applied or through snail mail

Upon receiving your eCard

1. Go to any GSIS Wireless Activated Processing System (G-W@PS) kiosk located at the nearest GSIS or major government office.
2. Place your eCard on the G-W@PS Kiosk card reader.
3. Touch the screen to select any of your pre-registered fingers.
4. Very lightly, put the finger you selected on the fingerprint scanner to activate your eCard

Other friendly reminders

1. If the finger you selected fails to get scanned, simply select another pre-registered finger.
2. You only need to activate your card once after you receive it.

You can use your eCard after five (5) working days after activating it. You can check your membership account or apply for loans using your eCard Plus in any G-W@PS kiosk nearest you.

For PENSIONERS ABROAD, here are the steps on how to enroll for your eCard:
Through the use of skype, a web-based software that allows users to make telephone calls over the Internet free of charge, pensioners abroad can enroll in the eCard.
To enroll in the eCard using skype as a pensioner, you must have the following:

1. a personal computer (either desktop of laptop),
2. a webcam, headset with microphone or PC speakers
3. a separate PC microphone, broadband internet connection
4. a well-lit and quiet area where the PC is placed
5. a passport and two more valid IDs

If you have all these things, you are ready to enroll for an eCard via the GSIS Voice Activated Processing System (GVAPS).

Enrolling for an eCard via GVAPS

1. Log on to www.skype.com and click on the downloading tool of skype and then click “run” when the file SkypeSetup.exe appears.
2. Once the download and installation have been completed, you have created your skype account. You must email your full name and skype username to pensionglobal@gsis.gov.ph
3. The GSIS will then reply to you via email stating the schedule of your skype video call enrollment
4. On the scheduled video call, you must make sure that your computer is turned on, including the webcam, microphone and speakers (or headset), and is positioned in a well-lit and quiet area. You must have your passport and two valid IDs ready and then log on to www.skype.com and wait for the video call.
5. A GSIS representative will then call you on your scheduled date and time of video call. Right there and then, the GSIS representative will enroll you in the eCard.
6. Once enrolled, the eCard will be mailed to you abroad within one week.

Upon receiving your eCard abroad

1. You can use your eCard to renew your active status on your birth month using the GVAPS
2. You will receive your monthly pension and withdraw its proceeds from any ATM abroad with the VISA PLUS sign
3. You can apply for a pension loan using GVAPS, and as an official GSIS ID.

GSIS Enroll for eCard Plus

GSIS eCard Plus as Utility Card

GSIS eCard Plus as Utility Card

Your eCard Plus is not only your official GSIS identification card but also a smart card that allows you to transact loans with GSIS sans the long lines and burdensome paperwork. Pensioners, on one hand, can easily renew their active status using their eCard Plus.

The radio frequency ID microchip in your eCard Plus stores information like GSIS records, personal data, picture and biometrics making it possible for you to do business with GSIS using your eCard Plus at the GSIS Wireless Automated Processing System (G-W@PS) kiosk.

Your eCard Plus is also a multi-purpose card that gives the following benefits:

1. disbursement card to withdraw proceeds of GSIS loans, claims or loans using any Megalink, Bancnet and Expressnet ATM
2. personal ATM savings account that does not require any maintaining balance
3. over the counter cash withdrawal from 900 MLhuillier branches and selected PhilPost offices nationwide
4. debit card that allows you to pay for purchases charged to your Union Bank account provided that your eCard Plus has sufficient funds
5. online payment of bills through e-payment facilities of partner banks of GSIS
6. hospitalization discount card that gives you and your dependents up to 50% discounts from partner hospitals thru the GSIS Hospitalization Support Program (GHSP)
7. education discount card that gives you 20% scholarship grant on tuition and laboratory fees at all STI branches nationwide

GSIS Ecard Services

GSIS Ecard Services

The GSIS eCard is, by far, the most innovative government-issued identification card today. This is because the eCard Plus is not just a GSIS membership ID Card, it is also a GSIS transactional card, disbursement card, ATM Card, VISA debit card, hospitalization discount card, medicine discount card, and tuition discount card, among others.

eCard Plus as utility card

The eCard Plus is really the ultimate all-in-one card. Learn more how more and more GSIS members and pensioners are experiencing its many benefits.
Enroll for eCard Plus

It’s about time you get your own eCard Plus. Getting one is easier than you think. All you need to do is visit your servicing GSIS office.
G-W@PS Kiosk

Using your eCard Plus, you can check your GSIS records, renew your active status (for pensioners), and even apply for GSIS loans, when you go to any G-W@PS kiosk installed in all GSIS offices and other major government offices all over the country.

Apply for a Loan

Members can apply for ConsoLoan, the one-time P10,000 Cash Advance, and Policy Loan, while pensioners can get Pension Loan using their eCard Plus.

Check your Record

Know your membership records, record of creditable services, loans and other important facts about your GSIS membership.


GSIS Ecard Services

GSIS Housing Loan Restructuring and Condonation Program

Housing Loan Restructuring and Condonation Program

As an offshoot of Republic Act 9507 or the Socialized and Low-Cost Housing Loan Restructuring Act of 2008, the GSIS is implementing the Housing Loan Restructuring and Condonation Program, which covers housing loan obligations of delinquent borrowers with accumulated arrearages equivalent to at least six monthly amortizations, regardless of the original principal amount of the loan.

The Housing Loan Restructuring and Condonation Program was implemented on April 16, 2009 and will run for 18 months.

The amount of restructuring shall be the sum of the outstanding loan principal, unpaid principal, accrued interests, insurance premiums, taxes, foreclosure and other incidental expenses, less downpayment and discount on accrued interest, if any.

The restructured balance shall be imposed an interest rate of eight percent per annum compounded annually, fixed throughout the loan term.

The maximum term of the restructured obligation shall be 30 years, but should not exceed the difference between the borrower’s age at the time of application and number 80.

There will be no processing fee or downpayment requirement for this program. Moreover, discount on unpaid interest shall be given to borrowers who will pay, partially or in full, their outstanding balances with the GSIS. A payment of 25-49 percent of the outstanding balance is entitled to a 10 percent discount; 50-74 percent payment, 20-percent discount; 75-99 percent, 30-percent discount; and 100 percent, 40-percent discount.


Who are eligible to apply for the Housing Loan Restructuring and Condonation Program?

Those covered by the program include:

* borrowers/installment buyers of covered accounts notwithstanding that the same borrowers/installment buyers have availed themselves of the benefits of a previous condonation and loan restructuring program
* the legal heirs of deceased borrowers/installment buyers with unpaid loan balances after application of the proceeds of the Housing Loan Redemption Insurance, if any
* successors-in-interest of housing loan borrowers, who have assumed the original mortgage or of installment buyers who are assignees of Deed of Conditional Sale, as supported by legal documents, including Special Power of Attorney, duly approved by or with consent of GSIS.

Who are NOT eligible to apply for the Housing Loan Restructuring and Condonation Program?

Those not covered include:

* any account without a single payment since the effectivity of deed of conditional sale, deed of real estate loan mortgage, and/or restructuring agreement
* an account under a contract-to-sell that has been cancelled
* an account that has been foreclosed and the redemption period has already lapsed
* an account involving a housing unit has been abandoned by the borrower-owner for more than one year from the date of delinquency
* an account involving a housing unit is occupied by a third party other than the original registered beneficiary or his/her legal heirs/successor-in-interest
* an account that has been surrendered to GSIS through a dacion en pago (payment in kind) the title of which has already been consolidated/transferred in the name of GSIS.

How can members apply for the Housing Loan Restructuring and Condonation Program?

To apply, interested members just need to get an application form from the Housing and Insurance Group of the home office or from an HI Unit staff in other servicing offices. The list of documentary requirements the applicant needs to submit are indicated in the application form.

After the completion of all the requirements, the applicant needs to submit these along with the accomplished application form to the HIG or HIU (branches) for evaluation.

GSIS Pre-Owned Properties

GSIS Pre-Owned Properties


Buy your own house now and start making your dreams come true! Affordable houses are up for grabs with the help of the GSIS's Pre-owned Properties Program . Launched in May 2007, the program has already helped hundreds of Filipino families acquire their own dream homes, at the most affordable price and least interest rate.

The GSIS's Pre-owned Properties, the asset disposition program of the GSIS open to both GSIS members and non-members, both individual and institutional, offers a guaranteed 6% interest rate compounded annually, the lowest there is in the market. The program also offers a repayment term of up to 30 years, giving home buyers more flexibility.
Interested homebuyers need not pay an application fee and minimal documentary requirements are needed.

There is, however, a service fee which is three percent (3%) of the loan amount, and a Notarial Fee equivalent to one peso for every One Thousand pesos of the purchase price.
The GSIS's Pre-owned Properties Program has easy and multiple payment options, which include over-the-counter payments, post-dated checks, and salary deductions for members. A three-month grace period is also given before payment of the first monthly amortization.
In addition, the program also offers a 10% discount for cash sales and the lowest fire insurance premium in the market.

House and lots under the program are located at established communities with amenities. These homes are in over 70 locations, including key cities in Metro Manila, Bulacan, Rizal, Leyte, Western Samar, and South Cotabato.

Now is the time to buy your own home.
For more information or a complete list of the pre-owned houses, please click on the file below or Visit the GSIS Housing Booth at the GSIS Main Office lobby or any GSIS office near you.

GSIS Pre-Owned Properties

GSIS Housing Loan Program

GSIS Housing Loan Program

Under the Housing Loan Program, GSIS is offering its members a basement low interest rate of only eight percent per annum compounded annually, regardless of the approved loan amount, fixed during the whole repayment period from a minimum of five years to 30 years.

The Housing Loan Program covers the purchase of a residential lot or residential house and lot covered by the Transfer Certificate of Title (TCT) or an Original Certificate of Title (OCT), as well as a part of the entire parcel of real property which is intended for residential use and is covered by the Condominium Certificate of Title (CCT).

The repayment of loan shall be in five, 10, 15, 20, 25 or 30 years but should not exceed the difference between 80 and age of borrower at the time of application.

The loan shall be paid either through payroll deduction, post-dated checks or direct payment.

The maximum loan amount that can be granted to a member shall be the lowest of the following: 90 percent of the appraised value of the property; the selling price; the maximum loan amount computed based on the paying capacity; and the amount applied for.

In case the paying capacity of the principal borrower is not sufficient to cover the monthly amortization of the loan applied for, one co-borrower may be allowed provided the co-borrower is a GSIS member who has the same qualifications as the principal borrower and is related to the borrower within the 1st degree of consanguinity or affinity; or a non-GSIS member who is the legal spouse of the principal borrower or is a relative up to the first degree of consanguinity, with most recent Individual Tax Returns for three years prior to the loan application.

A member can only avail of one loan under this Program.

Who are eligible to apply for the Housing Loan Program?

The following GSIS active members are eligible to apply:

1. permanent and regular government employee
2. temporary, contractual, or casual employee who is in active status with at least three years of continuous service immediately preceding the filing of application
3. elected official and co-terminus employee who are in active status with at least one year of continuous service immediately preceding the filing of application.

The applicant’s agency must also not be suspended due to non-remittance of the mandatory social insurance contributions and any loan amortization. This shall be a continuing requirement until the release of the loan proceeds.

How can members apply for the Housing Loan Program? To apply, interested members just need to get an application form from the Housing and Insurance Group of the home office or from an HI Unit staff in other servicing offices.


GSIS Housing Loan Program