Can I get a loan with my social security card? How to apply?

Users can use social security loans, and social security proves that users have stable jobs and incomes. You can try to apply for a credit loan at this time. Online lending platforms, banks and consumer finance companies all provide credit loan services. When users fill in personal information, as long as they complete the social security verification, the probability of passing the credit loan review will increase. Therefore, social security can be used as information for applying for loans. However, it is not feasible to apply for a loan directly with social security, because each kind of loan needs to meet various application conditions, and it is impossible to apply for a loan directly with social security. How to borrow social security loans?

1, credit loan

The borrower shall prepare his identity certificate, income certificate and credit report promised by the local people's bank, and apply for a loan at the local lending institution. 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

Similar to credit loans, the required information includes not only the above group information, but also the specific information about collateral. Relatively speaking, mortgage processing will be slower.

3. Special tips

It is impossible to get a loan with a separate social security card, but providing a social security card during the loan process helps to get a loan. The more complete the borrower's information, the easier it is to get a loan.

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

Collection method of social insurance premium

1. proportional insurance system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2. Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, in countries that collect insurance premiums in this way, the payment system is generally divided equally, which has the significance of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.

Legal basis:

Social insurance law

Seventy-fourth social insurance agencies through business handling, statistics, investigation and other means to obtain the data needed for social insurance work, the relevant units and individuals should provide timely and truthful. The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement. The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge. Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.