Can I borrow money from the bank for social security?

1. Can I borrow money from the bank for social security?

1. You can't rely on social security loans, because lending institutions can't judge their repayment ability by this, and they won't lend easily if they can't guarantee whether the loan can be recovered smoothly.

2. Conditions for obtaining bank loans: 18-65 citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents); Work and live locally; Now the company is officially registered employees, working for 6 months (having social security provident fund is conducive to loans); White households can operate and must pay more than 3,000 yuan (social security and provident fund must be the same); Monthly punch card salary; Good credit information (not for three consecutive years)

3. Materials required for bank loans: First, you must have a valid personal identity document, provide a household registration book, and have full capacity for civil conduct; Have a stable job and a good income. If you receive your salary by bank transfer, you need to submit the running proof of your recent salary card. Unmarried people submit unmarried certificates, and married people submit relevant materials of spouses and family members; Having a fixed account in the bank applying for a loan;

4. Other requirements of lending institutions. The process of getting a loan from a bank: submit an application to a local bank or lending institution; All kinds of materials needed to prepare loans; Face-to-face signing of banks or lending institutions; Banks examine the qualifications of lenders; The loan has been approved and succeeded.

5. Provident fund loans are only for those who have provident funds, and those who have not paid them cannot enjoy them.

6. The social security card itself cannot apply for provident fund loans.

7. You can apply for ordinary commercial housing loans from banks.

8. SocialInsurance refers to a non-profit social security system with the function of income redistribution, which is participated by the state to prevent and force most members of society to participate. 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 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.

9.2065438+Since February 2006, Guangdong, Tianjin, Yunnan, Gansu, Guizhou, Jiangsu, Shanghai and other places have lowered their social security rates. On February 3, 20 16, the national social security fund regulations were adopted at the 22nd executive meeting of the State Council, and came into force on May 3, 20 16. From June 2065438 to June 2006, with the announcement of the average wage, Beijing, Shanghai, Chongqing, Anhui and other places adjusted the social security payment base. Due to the increase in average wages.

Second, if Shanghai has social security, it can take a formal bank loan with a loan of 200,000 yuan. I don't know. If it can be done, the other bank has a way.

Social security loan conditions are above the society, and good credit information can be used for loans, which can be about 30 times of the social security deposit base.

3. Can I get a loan with my social security card? How much can I borrow?

There are loans, and social security loans can only apply for 500 thousand at most, but in real life, only a few people can apply for so many loans. Because the loan amount needs to refer to the social security contribution coefficient, that is, the applicant's economic income to evaluate and calculate. However, the loan amount will also be affected by these factors: first, the applicant's credit information, whether it has a certain repayment ability and other factors. Second, the sum of the credit line of social security and the bank's reputation cannot exceed the maximum credit line stipulated by the bank. In addition, if you apply for a social security loan from a lending institution, there are also requirements for the loan amount, with reference to the social security coefficient of 30 times. Social security loan application conditions: 1. The social security of the Borrower has been paid continuously for more than 18 months; 2. The applicant must be a China resident, aged between 22 and 55; 3. The loan application has a stable job, and its company pays social security and provident fund for you; 4. The applicant's work place, loan application place and social security payment place are all in one place; 5. The borrower has a good personal credit record and has the ability to repay the principal and interest. Everyone's social security contributions are different, so the loan amount will be different. Social security loans can be up to 500 thousand. However, the reality is that it is rare to get such a high loan amount. The loan amount must pass the personal qualification assessment and be calculated by the social security payment. Legal basis: Interim Measures for the Administration of Personal Loans Article 38 The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, hold the borrower liable for breach of contract for failing to provide true and complete information as agreed in the contract and failing to use and pay the loan as agreed in the contract. The acquiring bank shall adopt strict technical means to monitor the use of the acquiring mobile terminal, and do not pay regular return visits to ensure that the acquiring mobile terminal does not exceed the contracted scope. Article 39 The collection shall be made from the lender himself and his guarantor, and shall not be made from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. Records should be kept for at least 2 years for future reference.

4. How much can I borrow from the bank if I have a social security card in Shanghai?

See which social security bureau you pay in Shenzhen, and go to the social security bureau to handle an insurance. Payment varies from place to place. You can consult the Social Security Bureau for details. You can entrust the bank to pay. Just get a bank card.