Can I get a loan after six months of social security?

Social security can be loaned for half a year.

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 good credit. You can apply for a loan from the bank.

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. Socialization refers to the non-profit social security system with the function of income redistribution that the state participates in in order to prevent and force most members of society. 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.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.