Do you know the relationship between buying a house and social security?

Social security and buying a house are both important events related to people's livelihood, but many people can't link these two things together and feel that they are irrelevant. However, I want to say that in fact, the relationship between social security and buying a house is quite close. Whether young or old, buying a house on impulse without paying social security money will make you miserable:

First, I want to buy a house but I am not qualified.

The economic chaos caused by the era of real estate speculation has brought great pressure to the people and caused the top-heavy problem of the national economy. For this reason, starting from 20 16, "housing without speculation" has become a big network to regulate the property market, protect the stable operation of real estate, gain opportunities for the development of the real economy, and enable the national economy to develop normally. In order to stabilize housing prices, many cities with high housing prices have introduced measures to restrict purchases and sales. Although the property market has stabilized, people who are ready to buy a house now have to face restrictions on the qualifications for buying a house.

Among them, many cities mentioned the requirement of paying social security in the purchase restriction, such as Shenzhen, which requires paying social security for more than 36 months before buying a house. If you don't meet this requirement, you can't buy a house here, but the economy of big cities is developing rapidly, and the price increase is definitely higher than that of small and medium-sized cities. When you meet a good house, you are not qualified to buy it. If the price continues to rise in the future, the chances of buying it are even lower. For those who want to develop in these good cities, it is imperative to pay social security from now on if they want to take root here in the future and let the next generation enjoy the quality resources of big cities.

Second, the competitiveness of applying for mortgage is low.

When applying for a mortgage, the bank's standard for whether the applicant lends money is to see whether the other party can guarantee to pay off the loan. In addition to wage income, it depends on social security payment and liabilities. Most people who buy houses are ordinary working-class people, while a few people buy houses in full, and most of them still want to borrow money from banks. Due to the large number of borrowers, the annual mortgage lending of banks is limited, and it is impossible to lend without a bottom line. So applying for a mortgage is equivalent to a competition. The better your repayment ability looks, the higher the possibility of applying for a loan.

Imagine that a person who only has salary income without paying social security, and a person who has a running salary and a record of paying social security, the bank will definitely prefer the latter, because he has social security in addition to salary, which shows that his company is good, his work is more stable, his personal consumption pressure is reduced, and his ability to repay loans is higher. In contrast, it is more difficult for people who have not paid social security to apply for a mortgage. Under normal circumstances, if you want to apply for a mortgage, you need to pay a down payment before applying for a mortgage. But if you can't get a mortgage because you are refused a loan, you can only go to the developer for a refund. Because this is your own problem, you may not get the deposit back, which is equivalent to losing a sum of money in vain.

Third, the pressure of life leads to the abandonment of houses and the interruption of supply.

Social security refers to five insurances, namely, pension, medical care, maternity, work injury and unemployment insurance. With the five guarantees, no matter young or retired, you can get the help of the state. But if you don't pay, get sick, have children, have dangerous jobs, and lose your job, you need to bear these expenses yourself. Buying a house with a loan is because of these pressures of life, and the bank loan can't be repaid, which leads to the suspension of supply. If the mortgage is cut off for more than 6 months, the bank will take away your house, and the original down payment and mortgage can't be recovered, which means that the money and house are gone. After paying social security, if you encounter these problems, you will get help from social security, and your own expenses will be reduced, which will not affect the mortgage repayment.