What materials are needed for social security loans?

Social security loan preparation materials include husband and wife's ID cards (front and back copies), household registration book or temporary residence permit, marriage certificate (divorce certificate or court judgment is required for divorce), income certificate (based on the bank's running for half a year), and academic credentials (graduation certificate, degree certificate, etc.). ), proof of property (real estate, vehicles, stocks, securities, etc. ), unit business license and copy, social security payment records, etc.

The basic materials to be prepared for social security loans include ID card, household registration book, marriage certificate, residence permit, bank flow in the past six months, social security deposit certificate and other related materials. Under normal circumstances, credit social security loans can be applied without mortgage. However, employees who apply for social security loans and pay social security 12 months continuously can apply. In addition, it is necessary to prepare social security deposit certificates, income certificates issued by work units, social security deposit certificates and other related materials, and loan financial institutions will review the loans. The applicant holds the original valid identity certificate, fills in the Application Form for Personal Credit Report, and submits the social security deposit certificate to the lending institution. After receiving the application materials, the lending institution will submit the applicant's social security deposit certificate and related materials to the financial institution for examination and approval, and the loan can be issued after the examination and approval.

Conditions for applying for social security loans

1. age: a natural person who is required to be at least 25 years old and have full capacity for civil conduct.

2. Credit: the credit record is good, and there is no overdue record on the personal credit report.

3. Work: The borrower must have a stable job and a fixed source of income, and have the corresponding repayment ability.

4. Social security: Meet the relevant requirements of lending institutions for social security deposit, generally the requirements of deposit base and payment time.

5. Other requirements: other conditions that meet the requirements of lending institutions.

To sum up, it is Bian Xiao's relevant answer about what materials are needed for social security loans, hoping to help you.

legal ground

Article 35 of People's Republic of China (PRC) Commercial Bank Law

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 37

A commercial bank shall sign a written loan contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.