Wuhan loan conditions Wuhan social security loan

Can I get a loan by social security alone?

A lot of gossip on the internet says: social security alone can lend money, so is this really the case?

Social security alone is definitely not a loan, because lending institutions can't judge your repayment ability, and they won't lend easily without ensuring whether the loan can be recovered smoothly. So, what conditions do you need to meet to apply for social security loans? From the beginning, different lending institutions and different loan products have different requirements for borrowers.

For example, the Changheng Huicheng social security loan in Wuhan requires the borrower to be between 22 and 55 years old; Working place in Wuhan; The monthly income is more than 2000 yuan; Working continuously in the current unit for half a year; Social security has been paid continuously in the current unit for more than 6 months, and the payment base is ≥ 2,000 yuan; Have a good credit record.

Social security loan requirements for Yafu Road in Shenzhen: the borrower is between 18-60 years old; Have a stable job and income in Shenzhen; In the current unit, social security has been paid continuously for 1 year; And have a good credit record.

Therefore, you must not believe the small advertisement that "you can get a loan only by social security", so as not to lose more than you gain. If you are eager for a loan, you can consider a professional online lending platform, which not only has a low threshold, but also lends money quickly.

Can I get a loan with my social security card?

Social security cards can be used for loans, but certain conditions need to be met. The premise of having a social security card is that we must participate in social security in accordance with relevant rules. The main function of social security card is to realize the reimbursement of medical expenses.

Anyone who knows something about social security should know that the payment of social security is mandatory. When people go out to work, enterprises must buy social security for their employees, but not all people who buy social security can use social security loans. Social security loans, like many credit personal loan products on the market, also have the characteristics of unsecured and unsecured loans.

What conditions do I need to meet for social security card loans?

1. The borrower has reached the age of 18-60, that is to say, he has reached the age of being able to purchase social security, and has also purchased social security according to relevant rules;

2. The borrower has a good credit record. Generally, everyone needs to have a good credit record to borrow money anyway;

3. The borrower has a stable job, income and corresponding repayment ability, so that he can repay the loan on time after borrowing;

4. Meet the relevant requirements of lending institutions for social security. Different social security lending institutions may have different requirements. You can ask in advance;

5. Other conditions of the lending institution.

What are the conditions for social security loans?

The requirements for social security loans are as follows:

1. The borrower is over 18 years old and can provide valid personal identification and residence certificate;

2. The borrower continuously pays social security locally to meet the loan conditions, such as 18 months or more as required by Minsheng Bank;

3. The borrower has a stable job and income, and the place of work is at the place of borrowing, and can provide relevant supporting documents;

4. The borrower must have the ability and willingness to repay, and personal credit information cannot be tainted;

5. Meet other conditions of the lender, especially the comprehensive evaluation score of qualification should not be too low.

The social security loan process is as follows:

1. Consult with specific lending institutions about social security loans;

2. Prepare the materials required for social security loan application according to the requirements of the lending institution;

3. Fill in the loan application form, application materials and social security loan application form;

4. Sign a loan contract after approval;

5. Lending institutions issue loans.

The materials required for social security loans are as follows:

1, social security card, personal ID card;

2. Proof of continuous payment of social security, that is, individual payment records;

3. The applicant's work certificate;

4. The salary of the applicant is mobile;

5. Proof of residence of the applicant in the place where the loan is applied, such as payment receipts for water, electricity, gas and other expenses in the past six months;

6. Other materials required by the lending institution.

In March 2022, Wuhan Social Security Provident Fund had 18000 Head Suite. How much can I borrow?

For the first suite, you can borrow up to 700,000 yuan, but the loan depends on your actual situation. Don't borrow so much if you can't repay the loan in time.

Can an individual buy a house after paying social security in Wuhan for one year?

1. What conditions do foreigners need to buy a house in Wuhan?

According to the Wuhan Purchase Restriction Order stipulated by the conditions for foreigners to buy houses in Wuhan: 20 1 1 year, starting from February 23rd, it is tentatively decided to purchase 1 set of houses for households with registered residence in this city (including couples and minor children, the same below) and households with non-registered residence in this city who can provide tax payment certificates or social insurance payment certificates in this city 1 year. For households with registered residence in this Municipality who already own two or more houses, households with non-registered residence in this Municipality who own 1 houses and above, and households with non-registered residence in this Municipality who cannot provide proof of tax payment or social security payment in this Municipality 1 year, the sale of houses to them shall be suspended within the administrative area of this Municipality. In violation of the provisions of the purchase, not for real estate registration.

Second, the conditions for foreigners to buy a house in Wuhan How to treat married and unmarried loan submission materials differently?

1, married people need to provide the following materials:

(1) Borrower's husband and wife identity certificate

(2) The household registration certificate of the borrower's husband and wife

(3) Marriage certificate of the borrower's husband and wife

(4) Proof of the income of the borrower's husband and wife (bank standard)

(5) The income account of the borrower's husband and wife has been running for nearly 12 months.

(6) repayment account opened by the bank

(7) Buying houses and collecting furniture

(8) Purchase contract

(9) The housing management department shall issue the advance notice registration certificate.

2. Unmarried people need to provide the following materials:

(1) Identification certificates of the borrower and the co-applicant.

(2) the household registration certificate of the borrower and the co-applicant.

(3) Marriage certificates of the borrower and the co-applicant.

(4) proof of income of the borrower and the co-applicant (bank standard)

(5) The fund income account of the borrower and the co-applicant has been in operation for nearly 12 months.

(6) repayment account opened by the bank

(7) Buying houses and collecting furniture

(8) Purchase contract

(9) The housing management department shall issue the advance notice registration certificate.

3. What are the basic requirements for foreigners to buy a house in Wuhan?

basic requirement

1, the borrower must be a local resident or a foreign buyer who is over the age of 18-65 and has the capacity for civil conduct (the foreign buyer must provide the tax payment certificate or social insurance payment certificate for operating in the local area for over 1 year).

2. The down payment ratio of the first home loan is 40%, the down payment ratio of the second home loan is 60%, and the policy of the third and above mortgage banks does not accept buyers.

3. Debt ratio (monthly mortgage repayment and other loans) = 50% of the monthly income of both husband and wife.

4. The credit report shows that the loan is overdue for three consecutive times, with a total of six times. In principle, no loans will be issued.

4. What are the conditions for foreigners to buy a house in Wuhan?

According to the current conditions for foreigners to buy a house in Wuhan, Wuhan's housing policy, if the household registration is in Wuhan, does not require social security for the whole amount or loan, but only personal ID card, household registration book and single certificate, and the loan needs to be replenished for nearly half a year. (It is recommended to increase personal income as much as possible every month before purchase to facilitate loans. In addition, find a company to stamp an official seal for you to prove that you work in their company and have a legitimate career!

At present, the principle of transfer is: the area of the house purchased is more than 100 square meter, and the total price is more than 500,000 yuan, so your 400,000 yuan must be mortgaged to buy a house that is satisfactory in all aspects.

In addition, Wuhan hukou can also enjoy certain loan concessions. At present, Wuhan hukou purchases the first suite, with the basic interest rate.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

How to borrow a social security card loan?

Social security card loans need to find a formal lending institution, and recommend Mo Long with high reputation. Mo Long Platform mainly deals with corporate tax bill loans, mortgage loans, non-car loans and other loan projects. Good reputation, trustworthy!

Social security loan application conditions:

1. The applicant must be at least 22 years old, with good personal credit information and full capacity for civil conduct.

2. The borrower has worked in the current unit for more than half a year, with a monthly income of more than 3,000 yuan and a good personal credit record.

3. Applicants need to provide long-term social security payment records. You can only apply for social security loans after paying social security.

4. If the social security payment period does not meet the requirements, it is also acceptable to provide proof of continuous payment of provident fund for more than 8 months.

5. The current unit has recently paid for 6 months continuously, and the social security or provident fund payment base is more than 2,000 yuan. The work place is consistent with the application place, and the work place is consistent with the social security payment place.

For more information about the loan, please consult Moore Long. Mo Erlong not only has three promises: employees are strictly forbidden to collect sincerity money privately; Do not require customers to pay liquidated damages; There is no extra charge for standard service. There are also eight guarantees: the safety of funds comes from licensed institutions; Professional loan assistance, 0 down payment without routine; Customer first, honesty as the rest assured; Refuse to disclose and protect your privacy; Legally operate and provide formal invoices; Post-loan management, guarding personal credit information; Open and transparent, all business can be checked; Adhere to integrity, do not make false promises, and have a high reputation in the same industry.

The introduction of Wuhan social security loan ends here.