Use social security loans

Social security loan refers to the credit loan that individuals can apply for after meeting certain conditions. This kind of loan does not need to submit collateral or any guarantee. In recent years, social security loans are very popular, with a maximum loan amount of 500,000.

In addition, the interest of social security loans is relatively low compared with other types of loans, and the loan period is not long, generally within three years. This kind of loan is generally used to solve the problem of short-term capital shortage, and the purpose of the loan is mostly consumption, such as buying a car, furniture, traveling abroad and studying abroad.

The use of social security loans needs to meet the following conditions:

1, and the age must be above 18 and below 60.

2. Good credit information is spotless.

3. The term and amount of social security payment meet the requirements of local banks or lending institutions.

4. Have a stable job and income, and have the ability to repay.

After meeting these conditions, you can apply for a loan. The process is as follows:

1. Bring your ID card, work certificate, bank account number, social security inquiry form, credit report and residence certificate to the local bank.

2. The bank will review the information and notify the lender to sign the contract if it meets the requirements.

3. Lend money after a certain working day.

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 loan can I apply for with social security?

If you have social security, you can apply for the following loan: 1. General lending institutions require applicants to be legal citizens of China who have reached the age of 25 and have a certain source of income, and provide relevant certificates.

2. Applicants are required to provide social security certificates, and the time limit for social security payment is also stipulated. The applicant's social security payment must meet the requirements of continuous payment for more than 18 months. If there is an interruption in the middle, the date should be calculated from the next payment of social security, and it must be paid continuously for 18 months before applying for social security loans.

legal ground

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

Can social security be loaned?

If the loan cannot be obtained, the lending institution will check the borrower's repayment ability when issuing the loan. At this time, if the borrower can only provide a social security card, it will not be able to prove its repayment ability.

When applying for a loan, the borrower shall provide a social security card, and loan materials such as work certificate, income certificate, personal ID card and bank account issued by the unit. Provide the above loan materials to the lending institution, and only after passing the examination can the loan be processed. Residents who have paid premiums for more than one year can apply for "social security consumer loans" at any outlet of China Merchants Bank, which can be used for car purchase, decoration, study abroad, tourism, consumption and other purposes; Moreover, the loan amount is relatively high, which can basically meet various normal consumption needs; This loan amount can be recycled and paid back when you borrow it.

Extended data:

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

The Social Security Card of the People's Republic of China is an integrated circuit (ic) card, which is uniformly planned by Ministry of Human Resources and Social Security and issued to the public by local human resources and social security departments, and used in various business fields of human resources and social security.