Will the bank mortgage approval check social security?

Will the bank check social security if it buys a house and opens an income certificate?

The proof of income from buying a house will be checked by the bank, which is an important part of the bank's risk control, because the proof of income is an important basis to reflect the personal job stability and income level. When checking the mortgage income certificate, the bank will check with the unit according to the unit phone number left on the income certificate, and sometimes check the personal tax payment record, five insurance and one gold deposit record, etc.

Will the bank check my social security payment when I buy a house?

Wechat query:

Pay attention to the local social security of WeChat official account. Click "Personal Inquiry" in the "Personal Center" section, register with the insured's ID card and social security card, and then log in to the "Social Security Online Personal Self-help Platform" to inquire about personal social security insurance payment information, medical insurance personal account information, personal social security transfer information, etc. Wechat platform also has modules such as inquiry, service guide, social security agency enterprise center, etc. You can inquire relevant information very conveniently according to your needs.

Online inquiry:

Log on to the website of the local social security bureau and enter your personal social security account number.

Telephone enquiry:

Call the national social security unified telephone number: 12333, and inquire personal information according to the voice prompts.

Social security center outlets query:

Bring your ID card and social security card to the counter of the nearest social security center.

Bank loans, why should we pay attention to social security and provident fund?

When the bank gives you a loan depends on whether you have repayment conditions. If you pay social security, you can calculate the work according to the payment period, unit and payment ratio. If you have a stable job and a good income, the bank will give you a loan. If you don't meet the requirements of the bank, you can't lend.

Loans do not necessarily require social security, but also depend on the type of loan. Like mortgages and credit loans, there is no need for social security. Basically, as long as you prove that you have the ability to repay, you can apply, which is not very risky for lending institutions. But some banks may refer to social security when making unsecured loans.

Social security is needed for general mortgage and small loan. Different banks in different regions need different conditions. To buy a house in Changsha, you must have two years of social security, otherwise you are not qualified to buy a house, let alone a mortgage. Social security is not the main factor affecting the loan, but it will also have some influence, mainly through social security to judge whether there is repayment ability.