The relationship between social security and mortgage: is there a relationship between social security and loan?

Social security cannot be used for loans, but many loans need social security information when they are processed. After submitting this information, you need to submit other information. Only when they all meet the requirements of the bank can they be used for loans. When handling loans, different loan types need different information. No matter what kind of loan you apply for, you need the borrower to have full capacity for civil conduct, have a stable job, be able to repay the loan on time, and the borrower must have good credit information. These are the basic conditions for handling loans, and it is difficult to handle loans smoothly in the case of poor personal credit information.

It is best for users to assess their repayment ability in advance before handling loans. If the monthly repayment amount is only a small part of their income, users can apply for loans at this time. If the monthly repayment accounts for most of its income, the borrower should be cautious in lending at this time to prevent overdue repayment. Repay on time, otherwise there will be penalty interest and personal credit will be affected. If personal credit information deteriorates, it will be more difficult to apply for a loan again, and the possibility of rejection is very high. If the overdue debts are paid off, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years.

There is no social security loan in the five insurances and one gold, and only the housing provident fund can lend. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Housing provident fund loan conditions

Most of them have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same. Take Chengdu as an example:

1, employees with permanent residence or valid residence identification in the local administrative area;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6, other conditions stipulated by the provident fund center.

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.