MPL Flex Calculator lets GSIS members instantly gauge how much they may borrow, the monthly amortisation, and the total cost of the loan—even before filing an application. With just your basic salary, paid‐premium months and preferred term, this tool delivers a clear repayment picture in seconds.
MPL Flex Inputs
Results
| Maximum Loanable | ₱ 0.00 |
|---|---|
| Chosen Loan | ₱ 0.00 |
| Monthly Interest (6 %) | ₱ 0.00 |
| Monthly Amortization | ₱ 0.00 |
| Total Payment | ₱ 0.00 |
How to use MPL Flex Calculator
- Visit https://phpinoy.com/mpl-flex-calculator/ to open the tool.
- Type your basic monthly salary in pesos.
- Enter your total paid premium contributions (in months).
- Choose the loan term you prefer (from one to 15 years).
- The calculator shows the maximum loanable amount; adjust the “Loan Amount” box if you want less than the ceiling.
- View the auto-updated results—monthly interest, amortisation, and total payment—plus a bar chart for quick visual insight.
- Tweak any field to instantly recalculate until the figures match your budget.
FAQs
1. What is MPL Flex?
MPL Flex is a GSIS loan that consolidates multiple existing loans into one and allows additional borrowing based on your salary.
2. Who can apply for MPL Flex?
Any GSIS member with at least 1 month of paid contributions and no defaulted loans can apply, subject to other conditions.
3. Is the MPL Flex Calculator official?
No, this is a third-party estimator. It helps you get an idea but is not from GSIS itself.
4. What is the interest rate used in this calculator?
The calculator uses a 6% annual interest rate based on GSIS MPL Flex guidelines.
5. Can I borrow more than 14x my salary?
No, the maximum is 14 times your basic salary or ₱5 million, whichever is lower.
6. Do I need 15 years of contributions to borrow the maximum?
Yes, 15+ years of paid premiums allow the highest loan multiplier.
7. Is the loan amount automatically approved by GSIS?
No, GSIS will still evaluate your actual loan application.
8. Can I choose any loan term I want?
Your available loan term depends on your paid contributions. The calculator disables terms beyond your allowed range.
9. Is the result accurate?
The result is close but still an estimate. Actual computation may differ slightly depending on your records..
10. Is UMID required for filing?
Yes, whether you apply via GSIS Touch, kiosk, or over-the-counter.
Important Tips
Double-check your monthly salary – Your basic salary is the base for all calculations. Input the correct amount.
Know your paid contributions – The number of months you’ve paid into GSIS affects how much and how long you can borrow.
Keep loan term realistic – Only choose a loan term within your allowed range to avoid errors.
Use the graph as your guide – The chart gives a quick view of loan vs. interest vs. total payment.
Always review before applying – Make sure your desired loan amount and payment term match your budget.
Update your records – Outdated contribution records can affect your eligibility.
Monitor your GFAL or other arrears – Defaulted loans may reduce or prevent your MPL Flex approval.
Submit complete documents – Ensure you have your UMID and the filled-out application form when applying.
Disclaimer
This MPL Flex calculator is only for estimation purposes. The actual loan amount, interest, and amortization may vary depending on your GSIS records and other conditions. Always verify with GSIS before making any financial decisions.