Can I apply for a loan with a social security card?

1. Is there a social security card for the loan?

Yes, social security cards can apply for social security loans.

Also known as social security credit loan. Refers to the long-term payment of social security customers, can apply for ultra-low interest rate consumer loans through Huadian guarantee. Its uses can be: car purchase, decoration, marriage, travel, purchase of furniture and household appliances. Social security credit loan, up to 500 thousand, up to 3 years. Fast processing speed, ultra-low cost and no charge for failure.

At present, many financial institutions in Beijing have indeed launched such loan products. The loan is a credit loan business without mortgage and guarantee.

Beijing social security loan application conditions

1. Borrower 18-55 years old (most institutions require to be over 22 years old);

2. The borrower has a good credit record in Beijing;

3. The borrower has a stable job, income and corresponding repayment ability in Beijing;

4. Meet the relevant requirements of lending institutions for social security, usually the payment period and payment base in Beijing, such as continuous payment for more than 6 months and payment base of more than 3,000 yuan;

5. Other conditions stipulated by the lending institution.

Beijing social security loan information:

1, ID card

2. Social security card

3. Proof of residence

4. Check the credit information online (individual institutions can also do detailed credit information in the past three days)

2. Can I get a bank loan with my social security card?

China Merchants Bank has lightning loan business. At present, you can only apply through mobile banking or check whether you are eligible to apply. If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in My → All → My Loan → My Lightning Loan. The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Can I get a loan with my social security card?

Social security cards can be used for loans. Applying for a loan with a social security card requires the borrower to have a certain repayment ability. If you can prove your repayment ability, it is necessary to talk about income and property. If the borrower applies for a credit loan, the borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and a good credit. If the borrower applies for a mortgage loan, he must have collateral as collateral, and his credit is not very bad. Collateral has mortgage qualifications and conditions, and at the same time, there must be a mortgage amount. There is no social security loan in the five insurances and one gold, and only the housing provident fund can lend. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

4. Is there a social security card for the loan?

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The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) loans

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

After accepting the borrower's loan application, the lender shall check and verify the contents and relevant materials of the loan application and form an investigation and evaluation opinion.

Extended data:

Relevant laws of the Interim Measures for the Administration of Personal Loans:

Article 36 The variety, object and amount of the loan. , to determine the loan inspection, the lender's internal audit and other departments should conduct spot checks and evaluations on loans.

Commercial banks should formulate a clear development strategy and risk management plan for credit card business, establish and improve the internal control, authorization management and risk management system, organization, system, process and post of loan business, and clarify the division of labor and related responsibilities.

Thirty-seventh housing loans with a loan term of more than one year generally adopt the method of equal principal repayment, and the same principal amount is calculated daily. The early repayment amount is large, and the monthly repayment amount is gradually reduced.