Title
GSIS Loan Condonation and Restructuring Program
Law
Gsis No. 48
Decision Date
Mar 5, 2008
GSIS Resolution No. 48 establishes a Condonation Program that offers a 100% waiver of penalties and surcharges, along with a 50% reduction in interest on outstanding service loans declared in default as of December 31, 2007, while allowing for the restructuring of the remaining balance through a consolidated loan program.

Coverage and eligible loan condition

  • The condonation program applies to service oriented loans that are declared in default as of December 31, 2007.
  • The restructuring applies to the remaining balance of the loan after deducting the condoned amounts.
  • The Resolution operates through the Consolidated Loan Program for the restructured balance.

Condonation of penalties and surcharges

  • The Resolution provides 100% condonation of penalties and surcharges on eligible service oriented loans declared in default as of December 31, 2007.
  • The condonation covers penalties and surcharges associated with the covered default status as of the stated cutoff date.

Waiver of interest

  • The Resolution provides 50% waiver of interests on eligible service oriented loans declared in default as of December 31, 2007.
  • The waived portion applies to the interest components corresponding to the covered loans as of the cutoff date.

Restructuring of remaining balance

  • The Resolution directs the restructuring of the remaining balance of the eligible loan after deducting the condoned amounts.
  • The restructured amount is processed through the Consolidated Loan Program.
  • The restructuring is part of a consolidated approach that integrates condonation and reformatting of the remaining payable balance.

Required information drive

  • The Resolution directs the Senior Vice President (Corporate Services Group) to coordinate with the Vice President (Public Affairs Office).
  • The coordination is required to conduct an information drive regarding the condonation and restructuring program.
  • The information drive is intended to publicize the program to stakeholders affected by the loan condonation and restructuring.

Reporting requirement after six months

  • The Resolution directs the SVP (CSG) to submit a report to the Board.
  • The report is due after six (6) months from implementation.
  • The report must include the impact of the program and the financial implications on the Funds of the System.

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