How to borrow a social security card loan?

1. Users need to find formal lending institutions, such as banks, loan companies and online lending platforms;

Secondly, users can choose their own loan methods and products, such as mortgage loans or credit loans.

3. Submit social security card, identity certificate, work certificate, income certificate, residence certificate and other materials to the lending institution;

4. After the lending institution submits the materials, it will review the qualifications of the lender;

5. After approval, the borrower signs a loan contract.

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 adopts the national unified standard, and the social security number adopts the citizenship number in accordance with the relevant provisions of the Social Insurance Law.

First, the common functions of social security cards:

1. Accept unemployment registration, grant support subsidies and other employment services.

2. receive a pension.

3. Reimbursement for medical treatment is one of the most popular functions of social security cards at present.

4. Apply for industrial injury insurance benefits.

5. Apply for unemployment insurance benefits, such as receiving unemployment benefits, and sign the unemployment benefits.

6. Enjoy maternity insurance.

7. Insurance inquiry: You can hold a card to inquire about personal insurance information, or you can go to the Social Security Bureau to pay the fee yourself.

Second, the 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: It has a good credit record, 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.

Third, the social security card loan method

1. Credit loan: If the borrower applies for a credit loan, then the borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and a good credit. The borrower shall prepare the identity certificate, income certificate and credit report printed by the local people's bank and apply for a loan from 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: To apply for mortgage loan, the borrower must have collateral as collateral, and the credit is not very bad. Collateral has mortgage qualifications and conditions, and at the same time, there must be a mortgage amount. Similar to credit loans, borrowers prepare their social security cards, identification certificates, income certificates and credit reports promised by the local people's bank to apply for loans at local lending institutions. Unlike credit loans, mortgage loans also need specific collateral information. Relatively speaking, mortgage processing will be slower.