Rescuing Government Workers from High-Interest Lenders with Ginhawa Max Loan Buyout

Government workers trapped in a cycle of high-interest loans can now break free, thanks to the Government Service Insurance System's (GSIS) enhanced Ginhawa Max Loan Buyout program.

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This initiative provides much-needed relief—completely buying out expensive loans so borrowers can start fresh with lower interest rates, as low as six percent per year, and more manageable payment terms under GSIS.

Members may borrow up to P5 million or 19 times their monthly salary, whichever is lower, and benefit from repayment periods up to 10 years with no service fees.