Job Recruitment Website - Social security inquiry - Do commercial loans need social security? What should I do? Do commercial loans need social security?

Do commercial loans need social security? What should I do? Do commercial loans need social security?

Can I borrow money to buy a house without social security?

Many people will choose to buy houses and settle in cities such as Beijing, Guangzhou and Shenzhen. When they buy commercial housing and apply for housing loans, they usually submit social security, income certificates and other related materials. Can I apply for a housing loan if I don't pay social security? Next, Bian Xiao will briefly introduce it to you.

1. You can apply for a mortgage without social security. Many cities have introduced purchase restriction policies, stipulating that non-local household registration personnel need to submit social security or tax certificates for several years before buying a house. For example, in Beijing, Shanghai and Shenzhen, non-local residents are required to pay social security or individual taxes for five consecutive years before they can buy a house. Those who have no social security and can provide tax payment certificates of corresponding years and meet other local housing conditions can obtain the qualification to purchase houses and apply for bank loans.

2. Local registered families can apply for bank loans and do not need social security when purchasing commercial houses. Because most cities have no time limit for social security payment for local registered buyers, they only limit the number of purchases. If a family with foreign household registration does not have social security and wants to buy a house, it can also apply to settle in the local area, so that it has the qualification to buy a house with local household registration.

If there is no local purchase restriction policy, we are eligible to buy a house without social security. When applying for a bank loan, you should clearly know what materials need to be submitted for a bank housing loan, because the approval conditions of each bank will be different, and some banks need applicants to submit social security certificates; Some banks only need bank running water and employment certificates, and do not need to submit social security.

Bian Xiao concluded: Regarding the mortgage without social security, Bian Xiao will briefly introduce it to you here. I hope that after reading this article, I can provide you with reference and help when buying a house in the future. You'd better pay social security on time and never pay it off, so as not to affect our future purchases.

Do you need to pay personal social security or corporate social security for starting a business loan?

Enterprise social security is needed for starting a business loan. Because social security is required by the state to be paid by enterprises to employees, the payment of social security can directly reflect the applicant's work situation. It is worth noting that paying social security will not affect the applicant's loan amount. The specific loan amount that an applicant can apply for is directly related to the income level of the applicant.

If the personal credit record is good, the bank will give a higher loan amount, which can generally reach about 8- 10 times of the personal salary. What are the conditions for social security loans? The use of social security card loans requires the borrower to have a certain repayment ability. If the borrower applies for a credit loan, then the borrower has worked in the current unit for more than half a year, with a monthly income of more than 3,000 yuan and a good personal credit record.

If the borrower applies for a mortgage loan, he must have collateral as collateral and have a good credit record. Collateral should meet the qualifications and conditions of mortgage, and at the same time have a mortgage amount.

Conditions for opening commercial loans:

1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises.

2. The loan applicant must be 18-50 years old.

You must be unemployed for 6 months before you can apply.

4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.

What are the general requirements for applying for a personal business loan?

1. At least 18 years old, with a formal job and stable income. Foreign accounts must provide social security or tax payment certificates for more than one year. The income is more than twice the monthly payment. It can provide tap water for half a year and one month. Academic certificate. Large assets (real estate or cars, stocks, funds, etc.). ) is not necessary, but it can increase the credibility.

What are the terms of a commercial loan?

Question 1: Excuse me! What are the conditions for buying a house with a commercial loan? Hello, to apply for a commercial housing loan, there are the following requirements for the loan applicant (the information is for reference only, and the actual review is subject to the personal loan):

People's Republic of China (PRC) citizens and residents of Hong Kong, Macao and Taiwan with full capacity for civil conduct, as well as foreigners living in People's Republic of China (PRC) for 1 year or more, must also meet the relevant requirements of the state for foreigners to purchase commercial housing.

At the same time, the borrower shall meet the following conditions:

1. has legal and valid identification;

2. Age plus loan period shall not exceed 70 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 the borrower is under 70 years of age plus the loan term;

3. Have the ability to repay the loan principal and interest on time. The borrower's monthly loan expenditure should be controlled below 50% (inclusive), and the monthly debt expenditure should be controlled below 55% (inclusive);

4. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present;

5. Other conditions stipulated by the institution.

If you apply for a provident fund loan, you need to check the specific regulations of the local provident fund management center. You can contact our online customer service, explain the name of your city, and we will help you verify whether you can find out the specific provisions of the local provident fund loan.

If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!

Question 2: What are the requirements for commercial loans? Housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan. How many ways are there to buy a house loan? There are three ways to buy a house loan: 1: Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. Housing loan method 2: individual housing self-operated loan is a loan issued by bank credit funds to individual buyers. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Housing loan method 3: Personal housing portfolio loan refers to the loan for purchasing self-occupied ordinary housing issued to the same borrower with housing provident fund deposits and credit funds, which is a combination of personal housing entrusted loan and white camp loan. In addition, there are housing savings loans and mortgage loans. 2. Requirements for individuals to apply for housing loans: 1. Agree to use the purchased house as collateral. 2. The borrower's age plus the loan period shall not exceed 65 for men and 60 for women; 3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China; You must pay a down payment of not less than a certain percentage of the total price of the house purchased. 5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 6, has signed a contract or agreement to buy housing; 3. General information to be submitted: 1, proof that all or part of the down payment has been paid; 2. Proof of repayment ability of the borrower 3. Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand houses. 4. Legal and valid identity documents of the borrower: resident identity card, household registration book, military officer's card or other valid residence permit. ; 5. The borrower and/or spouse have the right to inquire about the authorization documents of the personal credit information system of the People's Bank of China; 6. The leased property must provide proof of the change of the leased rights and interests. 7. A copy of the current passbook of China Bank in the borrower's own name for capital contribution; 8. Property Value Appraisal Report of the transaction house. 9. Other supporting documents or materials required by the lender. Iv. Housing loan application process: 1, consultation, application acceptance, pre-loan investigation 2, loan approval 3, loan issuance 4, loan recovery 5, post-loan management 70% of the current maximum loanable total house price of second-hand housing bank loans! Loans are divided into: provident fund loans, commercial loans (mortgages) and portfolio loans (provident fund and commercial portfolio loans). Handling method: loan process: personal housing provident fund loans for the purchase of commercial housing and affordable housing. Step 1: Apply for a loan at the loan bank. The borrower applies for housing provident fund loans in the real estate credit department of CCB in all districts and counties with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal.

Question 3: What materials are needed for commercial loans? Generally speaking, applicants need to provide the following materials:

(1) The borrower's valid identity document.

(2) Proof of the borrower's occupation and income

(3) Proof of loan use

(4) social security card

(5) Bank flow

You can look at the following loan terms for your reference:

1, sanbao loan

The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;

Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;

2. Mortgage loan

Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).

Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;

3. Primary housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

4. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

Question 4: Excuse me! What are the conditions for buying a house with a commercial loan? Everyone should have a fixed income, and the provident fund should be paid for one year.

Question 5: What conditions do you need to buy a commercial loan? Hello, if you apply for a mortgage in our bank, the following information is for your reference only, subject to the review of the personal loan department: the borrower must meet the following conditions: China people and citizens of Hong Kong, Macao and Taiwan regions with full civil capacity, foreigners living in China and China for 1 year or more, and must also meet the relevant requirements of the state for foreigners to purchase commercial housing.

1. has legal and valid identification;

4. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present;

5. Other conditions stipulated by the institution.

Attachment: If you need to apply for a first-hand property loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide personal information and the purchased property for application.

If you need to apply for a second-hand real estate loan at China Merchants Bank, you usually apply for a loan from our bank first, and then go through the formalities of property transfer. You can contact the local counter personal loan department to provide your specific information and purchased property, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it (off-site loans are not supported for the time being, and some branches do not support this business, so it is recommended that you contact online customer service first to verify).

If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!

I hope I can help you.

Question 6: What materials should be prepared for personal business loans? Proof of assets, proof of identity card, proof of work income. Credit banks can check for themselves. If the credit is bad, the bank will not approve them.

Question 7: What are the conditions for buying a house with a loan? Procedures 1, down payment ability.

When calculating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house. yuqiancyh

2. Monthly supply capacity

If you buy a house with a loan, the monthly payment should be controlled at about 30% of your monthly income, because not only the increase in loan interest rate, but also the decline in income should be considered. In addition, the loan to buy a house, it is best to set aside a year's mortgage.

Solvency coefficient

The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. The repayment ability coefficient can prevent the risk that the monthly repayment amount accounts for too high a proportion of family income and cannot repay the mortgage. If you want to know your repayment ability, you must know the repayment ability coefficient.

Calculation of repayment ability coefficient of mortgage loan;

For example, if the coefficient is 0.4 and the monthly income is 8,000 yuan, the monthly repayment can be 3,200 yuan.

If the coefficient is 0.5, the monthly income is 8,000 yuan, and the monthly repayment can be 4,000 yuan.

Personal repayment ability coefficient is related to personal monthly income, job nature, family property and credit information. The higher the personal income, the more stable the job, the more family property and the better the credit information. Then his repayment ability coefficient will be even greater. On the contrary, it will become smaller.

What is the repayment ability coefficient of commercial loans?

The average commercial loan is 0.5. If you marry your wife and your monthly income is 1000 yuan/month, then your monthly repayment ability is 5,000 yuan, and you can get a loan with a monthly repayment of 5,000 yuan.

What is the repayment ability coefficient of provident fund loans?

The repayment ability coefficient of provident fund is determined according to the loan term, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

Different cities have different provisions on the repayment ability coefficient of provident fund. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years. The solvency coefficient of Dalian is 0.35, and that of Kunming and Shanghai is 0.4.

Note: Repayment ability refers to the maximum loan amount that you can apply to the bank with such repayment ability. However, besides knowing the monthly repayment amount, we also need to know the repayment ability, and finally determine the appropriate monthly repayment amount through comprehensive evaluation.

Question 8: What are the conditions for China Construction Bank to buy a house with its first commercial loan?

Have legal residence status;

Have a stable occupation and income;

Having the ability to repay the loan principal and interest on schedule;

There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees;

There is a contract or agreement for the purchase of housing;

When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

Other conditions stipulated by the lending bank.

Question 9: What are the conditions and procedures for commercial loans? What qualifications do you need? Due to different policies in different regions, there are some differences in commercial loans.

The general requirements are:

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses;

6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

Two copies of marriage certificate/divorce certificate or judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Question 10: What are the conditions for commercial housing loans?

1, the identity is legal and valid.

Identity card and residence booklet of this Municipality; Residents of other provinces and cities should provide household registration certificates or temporary residence permits provided by local household registration management departments in addition to ID cards and household registration books; Passports provided by foreigners; /kloc-Birth certificate or one-child certificate is required for children under 0/8 years old.

2, must have a stable and legitimate economic income, can provide the corresponding income and assets.

Income certificate issued by the borrower's work unit, stamped with the company's personnel seal or official seal and a copy of the business license; Self-employed individuals, private individuals and private borrowers can provide copies of tax bills and business licenses for nearly three months; If the monthly income issued exceeds 2000 yuan, tax bills or other assets certificates (bank deposit certificates, securities, investment certificates, real estate, etc.). ) should be provided.

3. Natural persons with full capacity for civil conduct have no bad credit records.

4. Sign a valid purchase contract or purchase agreement with the seller.

5. Pay the down payment according to the specified proportion (generally not less than 30% of the total price of the purchased house) or deposit a deposit not less than the down payment in the loan bank.

6. Lender's age 18-65 years old, and different ages have different restrictions on the loan term.

7. Other conditions stipulated by the lending bank.

What materials are needed for commercial loans?

Generally speaking, applicants need to provide the following materials: