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Electricity is one of the biggest financial burdens for Filipino households. Transition to solar power seamlessly through our flexible financing programs.
Estimate your system cost, monthly amortization, and return on investment in real time.
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The Ginhawa Solar Energy Loan (GSEL) gives GSIS members a smart and accessible way to shift to solar power by offering financing of up to ₱500,000 for home solar panel installation. With rising electricity costs, GSEL empowers members to take control of their energy expenses, reduce monthly bills, and enjoy long-term savings—all while increasing the value of their homes. It’s a practical investment that delivers immediate financial relief and lasting Ginhawa benefits, while supporting a cleaner, more sustainable future.
Active members under permanent and non-career status (including tagged Special Members) provided the following conditions are met:
Applications are processed digitally through the GSIS Touch mobile application. One of the following supporting documents must be uploaded upon application:
The Agency Authorized Officer (AAO) must certify the loan application online prior to GSIS processing.
Covers up to 100% of the cost of solar panels, equipment, and installation fees, up to a maximum of ₱500,000.00 (not exceeding the cost reflected on the submitted quote/receipt).
Repayment is made over five (5) years in sixty (60) equal monthly installments.
A one-time LRI is fully deducted in advance to safeguard both the borrower and GSIS in case of untimely death during the term.
The loan may be pre-terminated by paying off the outstanding balance before the end of the term. No pre-termination fees shall be charged.
Cancellation is allowed within thirty (30) calendar days from the date of loan granting. The principal amount stated in the contract plus pro-rata interest must be paid in full.
Looking to go solar but don't have ₱300,000–₱500,000 in cash? Your Pag-IBIG housing loan might be the solution. The Home Development Mutual Fund (HDMF) allows qualified members to finance solar panel installations as part of their home improvement loan—potentially turning your electricity savings into your monthly loan payment.
Yes. Pag-IBIG's housing loan program explicitly allows solar panel installations as a "home improvement" use of funds. Since 2015, Filipino homeowners have used Pag-IBIG financing to install solar, with the loan amount counted against the ₱6 million maximum housing loan limit.
In 2026, with solar system costs at historic lows (₱55–75/watt installed), a ₱300,000–₱500,000 Pag-IBIG solar loan can now cover a complete 5–8 kW residential system.
| Loan Amount | 20-Year Monthly Payment | Solar System Size | Est. Monthly Savings |
|---|---|---|---|
| ₱300,000 | ~₱2,600/month | 3–4 kW | ₱3,000–₱5,000 |
| ₱400,000 | ~₱3,500/month | 5–6 kW | ₱5,000–₱7,000 |
| ₱500,000 | ~₱4,350/month | 7–8 kW | ₱7,000–₱10,000 |
* Based on 8.5% 20-year Pag-IBIG housing loan rate.
The Social Security System (SSS) is set to introduce its Energy Sustainability Loan Program, which will allow qualified members to finance residential solar panel systems. The program represents a proactive response to emerging economic pressures, helping Filipino households save on high electricity rates.
"The program showcases SSS's role in responding not only to traditional social security concerns, but also to emerging economic pressures affecting Filipino households."
Qualified SSS members can avail of the financing program under the following guidelines:
Designed to drive green energy adoption across the country:
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