Can you get a loan with social security and no provident fund

You can get a loan if you have social security but no provident fund.

But whether you can get a loan will be affected by other factors, such as your credit history, income level, and the purpose of the loan. Generally speaking, the bank will review the loan application based on the borrower's repayment ability and credit history, and if the requirements are met, the loan can be obtained. However, it should be noted that the loan amount and interest rate may be affected to some extent in the absence of CPF.

The conditions for a loan to buy a house are as follows:

1, the borrower's personal normal social security contributions for more than six months;

2, the borrower's personal monthly income is stable, with the ability to repay the principal and interest of the loan;

3, the borrower agrees to the lending institution's ability to repay the loan when it deems it necessary. The lending institution reviews the borrower's social security contributions.

In summary, the loan policies and requirements of different banks may vary, and the specific loan conditions and requirements need to be understood according to the bank's regulations.

Legal basis:

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

Employees who have contributed to the housing fund may apply for a housing fund loan from the Housing Provident Fund Management Center for the purchase, construction, refurbishment, and overhaul of their self-occupied housing.

The Housing Provident Fund Management Center shall, within 15 days from the date of acceptance of the application, make a decision on granting or disallowing the loan and notify the applicant of the decision; in case of granting the loan, the commissioned bank shall handle the loan formalities.

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