Does Shenzhen provident fund loan need social security?

Legal analysis: There is no social security requirement for employees to apply for provident fund loans, only the employee's income certificate and the employee's record of paying the provident fund in full for six consecutive months are required.

Provident fund loan conditions:

1. Applicants must participate in the housing provident fund system. If you don't participate in the provident fund system, you are not eligible to open a provident fund loan to buy a house.

2. The applicant shall continuously deposit the housing provident fund for at least 6 months before applying for the loan, and the account shall be filled in normally. Because if the applicant does not pay the provident fund normally and continuously, it means that there may be a risk of insufficient funds, which will affect the repayment of the provident fund.

3. If you apply for provident fund with your spouse, neither of them can be in arrears with the provident fund, and you can't apply for provident fund before you pay it off.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.