Ay, good question! Hindi ko sure kung may direct effect sa maternity benefit mismo, pero from what a few of us tried, some banks were hesitant to approve loans while on maternity kasi walang regular income at that time, even with the SSS benefit, better to ask your bank directly kung paano nila count yung maternity pay as income. One of my mum friends got approved for a small personal loan by showing her SSS maternity certificate + her employment letter, so it's possible pero medyo hassle ang process at mas mataas ang requirements, so better to prepare all your docs muna bago mag-apply.