What is a social security loan? What information and processes are needed?

1. What is a social security loan? What information and processes are needed?

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, then the borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and 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. Social security card loan method:

1. Borrowers of credit loans should prepare their identity certificates, income certificates and credit reports promised by the local people's bank, and apply for loans from local lending institutions. When preparing the materials, the borrower will provide the social security card together, which will help to obtain the loan smoothly and increase the loan amount.

2. Mortgage loan is similar to credit loan, and the required information includes not only the above group data, but also the specific information about collateral. Relatively speaking, mortgage processing will be slower.

3. Special note, only a separate social security card cannot be used for loans, but providing social security cards during the loan process will be beneficial to obtaining loans. The more complete the borrower's information, the easier it is to get a loan.

Second, what information do you need for social security loans?

Social security loan is a kind of credit loan, and its main purpose is consumption. Its advantage is that it doesn't need mortgage and its lending speed is fast. So, what conditions do you need to apply for social security loans? Social Security Loan In fact, the application conditions for social security loans are very simple. As long as the social security deposit base is more than 4,000 yuan, and it is paid continuously for 18 months, it can be processed. In addition, you only need to provide your ID card and social security card. Although applying for a social security loan is simple and quick, it also has a disadvantage. The interest will be much higher than the mortgage loan, and now the interest is above 4%. Therefore, friends with loan needs should estimate whether they can bear it. Let's take a look at the basic process of social security loans: signing a service contract (paying a deposit) → going to the bank for face-to-face signing → approving loans → settling expenses → lending.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

Third, what do you need for social security loans?

A house loan requires a company's income certificate, a house certificate (that is, whether there is a real estate in the name) and a marriage certificate (whether there is a marriage). General cities don't need social security, but big cities do.