What is the relationship between social security and buying a house?

Social security and buying a house have the following relations:

1, social security as a condition for buying a house: in some cities, buyers need to meet certain social security payment requirements before buying a house. For example, Beijing stipulates that non-registered residents and buyers who have no social security payment records in this city must pay social security for five or two consecutive years in this city and pay personal income tax of 1 year in this city before they can buy commercial housing in this city;

2. Social security as a condition for buying a house loan: When applying for a commercial loan, the buyer needs to provide a certain income certificate, among which the social security payment certificate is one of the commonly used income certificates. Banks usually evaluate the credit status and solvency of buyers according to their social security payment records, so as to decide whether to give home loans;

3. Social security as the social security of buyers: While paying social security, buyers also provide certain protection for their own social security. For example, property buyers can receive social security pension after retirement, which can support their daily life and living expenses to a certain extent.

The relationship between social security and buying a house mainly involves the following aspects:

1. Impact of social security payment on loans: When buyers apply for housing loans, banks will examine and approve them according to their income and occupation, and social security payment will also be an important examination and approval factor. If the buyers have a good social security payment record, the pass rate of loan approval and loan quota can be improved;

2. Impact of social security on provident fund loans: When applying for provident fund loans, buyers need to meet certain payment conditions, among which social security payment is one of them. Property buyers need to confirm whether their social security payment records meet the requirements before applying for provident fund loans;

3. The impact of social security on the pension of buyers after retirement: buyers can enjoy the pension benefits of basic old-age insurance after retirement. Social security payment records have an important impact on the calculation and payment of pensions. Property buyers should pay attention to whether the payment records are complete and accurate when paying social security.

To sum up, property buyers should know the relevant local policies and regulations in advance before buying a house to ensure that their house purchase and social security payment can be effectively guaranteed. At the same time, in the process of buying a house and paying social security, buyers need to keep relevant supporting materials and records for subsequent inquiries and complaints.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.