OWWA Loan: EDLP, Tulong Puso and the Grants
Overseas Workers Welfare Administration · loans
Quick answer
OWWA's livelihood facilities are the OFW Enterprise Development and Loan Program with Land Bank, published at 5 days and no fee but with no loan amount published, and Tulong Puso at ₱150,000.00 to ₱1,000,000.00. Balik Pinas, Balik Hanapbuhay pays ₱5,000.00 to ₱20,000.00 as a grant.
Last verified
Where these figures come from
About these figures: the numbers below come from OWWA's official published sources: Overseas Workers Welfare Administration | Citizen's Charter 2026 (1st Edition) (https://owwa.gov.ph/wp-content/uploads/2026/07/OWWA_CC_2026v3-1.pdf, retrieved 2026-08-31); OWWA | OWWA eCard FAQs (https://ecard.owwa.gov.ph/faqs/, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with OWWA before you rely on them. Last verified: 2026-08-31.
OWWA’s livelihood side has three distinct facilities, and only one of them publishes a peso range. This page separates them and says plainly where the figures stop.
The three facilities
| Facility | What it is | Published amount |
|---|---|---|
| EDLP, OFW Enterprise Development and Loan Program | An enterprise development intervention and loan facility with the Land Bank of the Philippines | Not published in the charter pages read |
| Tulong Puso | Livelihood support for start-up, expansion and restoration | ₱150,000.00 to ₱1,000,000.00 |
| Balik Pinas, Balik Hanapbuhay | A grant as start-up or additional capital | ₱5,000.00, ₱10,000.00 or ₱20,000.00 |
EDLP
| What OWWA publishes | |
|---|---|
| Former name | OFW Reintegration Program (OFW-RP) |
| Partner | Land Bank of the Philippines |
| Aim | To help OFWs and their families establish viable business enterprises providing a steady income stream and creating employment in their community |
| Handling office | OWWA Regional Welfare Office Program Services Division, Reintegration Unit |
| Classification | Highly Technical |
| Who may avail | OFW Member |
| Schedule | Monday to Friday, 8:00 AM to 5:00 PM |
| Published total | 5 days |
| Published fee | NONE |
What an EDLP application needs
| # | Requirement | Where to secure |
|---|---|---|
| 1 | Accomplished Application Form | OWWA RWO Reintegration Unit, or the EDLP Focal Person |
| 2 | Certification from OWWA that the borrower is a bonafide OWWA member and an eligible borrower under the OFW-EDLP | OWWA RWO Reintegration Unit, or the EDLP Focal Person |
| 3 | Certification from the RWO that the OFW-borrower or their attorney-in-fact has completed the Enhanced Entrepreneurial Development Training (EEDT) | OWWA RWO Reintegration Unit |
The loan amount, interest rate and repayment term are not published in the charter pages read for this guide. None is stated here.
Tulong Puso
| What OWWA publishes | |
|---|---|
| Full name | Tulong Pangkabuhayan para sa Pag-unlad ng Samahang OFW |
| Purpose | Start-up, expansion and restoration |
| Amount | A minimum of ₱150,000.00 to ₱1,000,000.00 |
| Programme phases | A maximum of three |
| Who may avail | OFW OWWA Members |
| Published total | 36 days |
Balik Pinas, Balik Hanapbuhay
| Membership status | Amount |
|---|---|
| Non-active member OFWs with one contribution | ₱5,000.00 |
| Non-active member OFWs with more than one contribution | ₱10,000.00 |
| Active OWWA members | ₱20,000.00 as start-up or additional capital |
| Who may avail | Repatriated, displaced, distressed OFW members |
| Published total | 7 days |
| Proof required | Proof of displacement, such as a termination letter or referral, and airline documents such as air tickets or a boarding pass |
The gap between the top and bottom tiers is ₱15,000.00, and it is decided by whether your membership was active. The OWWA membership guide covers keeping it so.
If you need a loan with published terms
OWWA is not the only option, and the others publish everything.
| Loan | Rate | Term | Where it is covered |
|---|---|---|---|
| Pag-IBIG Multi-Purpose Loan | 1.4583% a month | 12, 24 or 36 months, up to 90% of Regular Savings | Multi-Purpose Loan |
| Pag-IBIG Calamity Loan | 5.95% a year | 12, 24 or 36 months, 3-month grace period | Calamity Loan |
| SSS salary loan | 8% for a one-month loan, 10% for two months | 24 amortisations, 1% service fee | SSS salary loan |
| SSS calamity loan | 7% or 10% a year | Published terms | SSS calamity loan |
| SSS pension loan | 10% a year, 2% service fee | 3, 6, 9 or 12× the pension, capped at ₱300,000 or ₱150,000 | SSS pension loan |
| SSS Conso Loan, for past due accounts | 10% a year, 1% monthly penalty | 6 to 60 months by balance | SSS conso loan |
The MPL calculator and the SSS salary loan calculator run the amortisation on the two most common.
An OFW paying into both systems contributes ₱200 a month to Pag-IBIG and ₱760.00 to ₱5,280.00 to SSS depending on the MSC. Pag-IBIG for OFWs and SSS for OFWs cover both.
What OWWA pays without lending
| Benefit | Amount |
|---|---|
| Death, natural causes | ₱100,000.00 |
| Death, accidental | ₱200,000.00 |
| Burial gratuity | ₱20,000.00 |
| Disability, partial | ₱2,500.00 to ₱25,000.00 |
| Disability, total or permanent | ₱50,000.00 to ₱100,000.00 |
| MEDPLUS | Up to ₱50,000 |
| EDSP scholarship | ₱60,000 |
| ODSP scholarship | ₱20,000 |
| SESP scholarship | ₱14,500 |
| SUP | ₱7,500 |
The OWWA benefits guide and the scholarship guide cover those.
What this page does not cover
OWWA does not publish, in the charter pages read for this guide, the EDLP loan amount, interest rate, repayment term, collateral requirement or Land Bank application steps; the Tulong Puso repayment terms; or whether an EDLP borrower may also claim a Balik Pinas grant. None of those are stated here.
Related
The OWWA benefits guide covers the cash benefits, the OWWA membership guide the USD $25.00 contribution behind them, and the OWWA eCard guide the proof of active membership every application needs.
Frequently asked questions
- Does OWWA lend money?
- Through the OFW Enterprise Development and Loan Program, formerly the OFW Reintegration Program, which OWWA describes as an enterprise development intervention and loan facility run in partnership with the Land Bank of the Philippines. OWWA does not publish the loan amount, interest rate or term in the charter pages read for this guide, so none is stated here.
- How much is Tulong Puso?
- A minimum of ₱150,000.00 to ₱1,000,000.00, for start-up, expansion and restoration, over a maximum of 3 programme phases. The charter publishes a total of 36 days.
- What is the difference between a loan and a grant here?
- EDLP and Tulong Puso are livelihood facilities aimed at building an enterprise. Balik Pinas, Balik Hanapbuhay is a grant of ₱5,000.00, ₱10,000.00 or ₱20,000.00 as start-up or additional capital, depending on membership status.
- Who qualifies for EDLP?
- OFW members. The service is handled by the OWWA Regional Welfare Office Program Services Division Reintegration Unit, available Monday to Friday from 8:00 AM to 5:00 PM, with a published total of 5 days and a fee of NONE.
- What does an EDLP application need?
- An accomplished application form; a certification from OWWA that the borrower is a bonafide OWWA member and an eligible borrower under the OFW-EDLP; and a certification from the Regional Welfare Office that the OFW-borrower or their attorney-in-fact has completed the Enhanced Entrepreneurial Development Training.
- Who qualifies for Balik Pinas, Balik Hanapbuhay?
- Repatriated, displaced and distressed OFW members. Non-active members with one contribution get ₱5,000.00, non-active members with more than one contribution ₱10,000.00, and active OWWA members ₱20,000.00. Published total processing time is 7 days, and proof of displacement such as a termination letter or referral is required.
- What if I need a loan OWWA does not offer?
- Pag-IBIG and SSS both publish member loans with full terms: the Pag-IBIG Multi-Purpose Loan at 1.4583% a month and the SSS salary loan at 8% or 10% per annum over 24 amortisations. Both are open to OFW members.
- Do I have to be an OWWA member?
- For EDLP and Tulong Puso, yes. Balik Pinas, Balik Hanapbuhay pays non-active members too, at the lower ₱5,000.00 and ₱10,000.00 tiers. Membership is USD $25.00 and stays active until the contract expires or 2 years from contract effectivity, whichever comes first.