Can China Agricultural Bank Social Security Card be used for car loan?

1. Can I borrow money to buy a car with the social security card of China Agricultural Bank?

A: Yes.

As long as the unit pays wages with the card of the Agricultural Bank of China and the medical card is also owned by the Agricultural Bank of China, it can apply for a car loan.

Automobile loan process:

1. Car loan. Car buyers go to bank outlets for consultation;

2. The auto lender selects the car to be purchased at the dealer and signs a car purchase agreement with the dealer;

3. Auto lenders apply for loans at bank outlets;

4. In the process of auto loan, banks should review the credit of users;

5. It is very important to sign a loan and guarantee contract in the process of auto loan;

6. Banks such as car loans provide loans for users to apply for vehicle insurance and pick up cars;

7. Car loan. Customers repay on time.

Second, can the social security card of the Agricultural Bank be loaned?

The financial function and medical insurance function on the social security card are two different systems. Its social security function can only be operated on the social security system, and its banking function can only be operated on the banking system. In the future, social security pensions or other subsidies will be paid on social security cards. In the financial system, individuals will also deduct social security from the banking system on the card (save money by themselves). To inquire about social security or bank deposits, you can only go to social security and banks respectively. The password of the social security system can be consulted by the personnel of the company, and the bank password is set by yourself when you activate it. When you activate it, you don't need any fees. As long as you have your ID card and social security card, you can use the social security card to go to the pharmacy to buy medicine or brush the money refunded by medical insurance on the social security card when you see the outpatient service in the hospital. When the money on the medical insurance card is not enough, you can swipe the social security card and deposit it in the banking system. If you have no deposit, you must withdraw cash yourself.

3. Can the social security card of the Agricultural Bank be loaned?

You can't.

Can only use housing provident fund loans. As for the loans enjoyed by employees who pay housing provident fund, the state stipulates that all employees who pay housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14- 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

Extended data

Letter of credit clause

First, personal credit loan conditions

Personal credit loan is a popular loan method at present. Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use. Personal credit status is good.

There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

Second, the housing mortgage loan conditions

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. ? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; Houses are highly mobile.

The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Three, the conditions of college students' entrepreneurial loans

College students pay more attention to this kind of loan than we thought. At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans.

Requirements for college students' entrepreneurial loans: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.