202 1 an app that can use social security loans?

1. 202 1 can I borrow an app with social security?

Ping an pu hui

Ping An Pratt & Whitney is a loan product of China Ping An Group. There is a house, a car, a provident fund and a wage loan model for everyone to apply for. The maximum amount is 500,000, which can be divided into 36 periods at the longest. The number of life insurance or auto insurance users is 65,438+million, and the monthly fixed interest is about 29% to 89%. All in all, it's not bad.

Second, where to do social security loans?

Dear parents, the application conditions for social security loans are as follows:

1. The borrower should be between 22 and 55 years old, but some banks require the user to be over 25 years old and must be a natural person with full civil capacity.

2. The borrower's social security payment time should meet the requirements of the bank. Banks with different payment times have different requirements, but the basic payment time should be more than 18 months.

3. The borrower must have a stable and good income, and the monthly income is preferably twice that of the loan. It is necessary to assure the bank that he is willing to repay and has good repayment ability.

4. The borrower must have good personal credit, and the credit report cannot be overdue, nor can it be blacklisted or blacklisted. Banks still attach great importance to users' personal credit information.

The most important application condition of social security loan is the borrower's social security payment time. Although the bank's requirements are different, the user's social security payment time will also affect the application amount to a certain extent. abstract

How to borrow social security loans

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Hello, dear, I'm glad to answer this question for you. At present, most domestic banks can provide social security loans, but the banks that support social security loans are basically commercial banks. Although it is a commercial bank, it is also a regular bank in China. You can answer questions about the security, quota and interest rate of the application with confidence.

Dear parents, the application conditions for social security loans are as follows:

1. The borrower should be between 22 and 55 years old, but some banks require the user to be over 25 years old and must be a natural person with full civil capacity.

2. The borrower's social security payment time should meet the requirements of the bank. Banks with different payment times have different requirements, but the basic payment time should be more than 18 months.

3. The borrower must have a stable and good income, and the monthly income is preferably twice that of the loan. It is necessary to assure the bank that he is willing to repay and has good repayment ability.

4. The borrower must have good personal credit, and the credit report cannot be overdue, nor can it be blacklisted or blacklisted. Banks still attach great importance to users' personal credit information.

The most important application condition of social security loan is the borrower's social security payment time. Although the bank's requirements are different, the user's social security payment time will also affect the application amount to a certain extent. answer

3. Do commercial loans need to be guaranteed when they are converted into provident fund loans?

It is difficult to transfer commercial loans to provident fund loans, and the following conditions must be met:

1, with good credit and no overdue behavior;

2. The repayment of the original commercial housing loan is 1 year or above;

3. Pay the housing accumulation fund normally in the local area;

4. The applicant must confirm to the bank that the house purchase loan has not been settled, and then apply to the bank for early settlement of the loan.

Banks can only do business after they agree.

1. Can I get a loan to buy a house in Hefei?

1. A local tax payment certificate or social insurance payment certificate of more than 1 year is required to handle the house purchase formalities in different places. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased.

2. The approval procedures and processes of each bank are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information.

3. The bank will check the credit history of the lender and so on. There are many kinds of loans to buy a house, including provident fund loans and commercial loans. If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month. Commercial loans should follow the following principles:

The monthly repayment amount of the loan is less than or equal to 50% of the monthly disposable income-monthly property management fee; The monthly repayment amount of the loan is less than or equal to 55% of the monthly disposable income-monthly property management fee-monthly repayment amount of other debts; Cash, bank deposits and other emergency funds should be able to maintain daily expenses for more than three months in case of emergency.

4. Most banks offer the business of changing mortgage repayment methods, and at the same time provide loan repayment combination methods.

5. If you find that the current mortgage repayment method is not suitable, you should consult professionals and choose the appropriate combination method to make changes, so as not to hurt your credit or make the burden too large.

Legal advice:

Netizen: What is the process of buying a house in Hefei?

Lawyer: 1. Subscribe. To buy a house, you need to subscribe in advance, and you need to determine the housing in the sales office-fill in the personal purchase information-sign a deposit contract-both parties sign and seal-the buyer pays the deposit and keeps the receipt. Note that this step is a down payment, not a deposit. There is no clear definition of deposit in law, which usually means repaying the loan in advance without compensation for breach of contract.

2. Sign the contract. When signing the house, you should bring the deposit receipt, personal certificate, personal seal, household registration book and income certificate. The process is as follows: within the time limit stipulated in the down payment contract, the commercial housing purchase contract is signed-both parties negotiate the contract-both parties sign and seal it-the buyer pays the down payment and keeps it.

3. Choose the loan method. When choosing the loan method, the application conditions for commercial loans are relatively low and common. Provident fund loan is a kind of housing security system provided by the state for residents, and the application conditions are relatively more complicated.

4. Apply for a loan. Apply for a loan, choose a loan bank-determine the loan amount-provide the information needed for loan processing-sign a loan contract-after the real estate transaction is completed, the transaction party issues a certificate of other rights-the bank receives the certificate of other rights, the loan is transferred to the borrower's account, and the borrower repays the loan on a monthly basis.

5. House acceptance. Final house acceptance. Check the house quality guarantee, house instruction manual and completion acceptance record before check-in.

Can Shandong province's off-site provident fund borrow money to buy a house in Jinan?

Shandong province's off-site provident fund can borrow money to buy a house in Jinan. Jinan Housing Provident Fund Management Center published the "Code of Practice for Personal Housing Provident Fund Loans", which clearly stipulates this. The Code stipulates that it is ok for borrowers to deposit provident fund in different places in the province to apply for loans to buy houses in Jinan, but borrowers should provide employees with permanent residence in this city and stable jobs and incomes in this city as guarantors or repayment partners.

1. You can apply for prepayment after half a year.

Shandong's "Operating Specification for Personal Housing Provident Fund Loans" stipulates that the contract changes include the borrower, the repayment party, the guarantor, the collateral, the loan term and the repayment method. After 6 months of loan issuance, the entrusted bank can accept the application for change.

During the contract period, other contents can only be changed once in principle, except that repayment can be made in advance by installments according to regulations. The loan can only be repaid in advance after 6 months, and the prepayment amount is not less than the repayment amount of 6 months.

2. Lend money within 4 working days after the loan is approved.

Shandong's "Code of Practice for Personal Housing Provident Fund Loan" stipulates that the provident fund center shall complete the examination and approval within 7 working days from the date of receiving the complete materials submitted by the entrusted bank.

If the loan is granted, the entrusted bank shall issue the loan to the borrower within 4 working days and transfer the loan funds to the seller's or buyer's account according to the regulations. In addition, the housing provident fund loans for stock houses (second-hand houses) are examined and approved in the provident fund center, and the loan issuance procedures are handled within 4 working days.

3. If the commercial loan is not paid off, the repayment ability shall be calculated on a consolidated basis.

Shandong's "Code of Practice for Personal Housing Provident Fund Loans" stipulates that when the borrower applies for housing provident fund loans, if the borrower and the repayment person still have the balance of commercial loans, the original balance of commercial loans and the amount of commercial loans applied for this time should be combined with the amount of housing provident fund loans applied for this time to calculate their loan solvency.

The person in charge of Jinan Housing Provident Fund Management Center said that this is mainly to control risks. For example, a single homebuyer bought a house of 700,000 yuan, and the provident fund can borrow up to 250,000 yuan. After the down payment of 250,000 yuan, there is still 200,000 yuan to be supplemented by commercial loans. If the buyer has not paid off the loan of 50,000 yuan before, the bank will take 50,000 yuan into account when calculating its repayment ability. In this way, when calculating the repayment ability, it must be calculated according to the quota of 500 thousand, not just 450 thousand.

Three, Fuzhou provident fund loan conditions

1, provident fund loans must purchase self-occupied houses with independent property rights or * * * rights in Fuzhou;

2. The borrower has continuously paid the housing accumulation fund for more than 6 months;

3. (Gulou District, Taijiang District, Jin 'an District, Cangshan District and Mawei District) need to pay 30% of the total purchase price when applying for provident fund loans for the first time;

4. (Gulou District, Taijiang District, Jin 'an District, Cangshan District, Mawei District) apply for provident fund loans for the second time, and make a down payment of 50% of the total purchase price;

5. Provident fund loans (Minhou County, Minqing County, Fuqing City, Changle City, Lianjiang County, Luoyuan County, Yongtai County) to pay 20% of the total purchase price;

6, 5 within the scope of urban housing provident fund loans in the settlement of 2 years before applying for provident fund loans again;

7. The borrower has a stable occupation and income, a good reputation and the ability to repay the principal and interest of the loan on time;

8. Agree that the bank will use the house as collateral for the loan;

9. The property sold by the developer has been filed in the provident fund center;

10, employees applying for discount loans and housing provident fund portfolio loans must meet the conditions of commercial personal housing loans entrusted by banks.

Legal advice:

Netizen: Fuzhou provident fund loan materials?

Lawyer: 1, Fuzhou Housing Provident Fund Loan Application Form;

2. Valid identity documents of the loan applicant and his spouse, other property owners and their spouses, repayment participants and their spouses;

3, the loan applicant and spouse, other property owners and spouses and repayment participants and spouses household registration book;

4. Proof of marital status of the loan applicant, property owner and repayment participant;

5. Employees applying for housing provident fund portfolio loans and discount loans are required to provide proof of the monthly income of the loan applicant, spouse and repayment participants;

6. If the loan applicant and his spouse, other property owners and their spouses, repayment participants and their spouses normally deposit the housing provident fund in other housing provident fund management institutions, they shall provide the certificate of housing provident fund deposit issued by the deposit institution;

7, commercial housing sales contract, real estate registration certificate;

8. Paid purchase invoice.

The relevant legal basis of this article.

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

4. Which bank can accept social security loans?

Nothing is unacceptable.