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

You can apply for a mortgage without social security. We don't have social security to provide tax payment certificates for the corresponding years. Non-local household registration personnel who meet the requirements of the settlement policy can apply for settlement before buying a house. Generally, there is no time limit for local household registration buyers to pay social security. There is generally no time limit for social security payment when buying a house in a non-restricted city.

First, how to open the social security certificate for buying a house?

1. I need to provide my ID card to apply to the social security agency in the insured area. If you entrust others to handle it, you must also provide the client's ID card.

2. With the social security card and my ID card, print the enrollment certificate through the social insurance self-service machine. If the unit needs to be stamped, it may require the social insurance agency to re-stamp. The insured unit shall provide a letter of introduction from the unit and a valid identity certificate of the applicant, and apply to the social security agency where the insured person is located.

If your social security bureau can't find your social security payment record, it's impossible to give you a certificate. At this time, your unit needs to give you relevant supporting documents; The insured can print by self-service printer in any service hall of social security bureau with his ID card and social security card; You can also take your ID card and social security card to the window of the district social security branch or social security station of the insured place for manual printing.

Second, the loan to buy a house must also meet certain conditions. Let's see what conditions need to be met:

1. Borrower 18 years old, with full capacity for civil conduct;

2. The borrower has a stable job and income, and has the ability to repay in full and on time;

3. The borrower has good credit, no record of non-performing loans, and the overdue record shall not exceed three years continuously;

4. Other conditions stipulated by the lending institution.

legal ground

People's Republic of China (PRC) social insurance law

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

People's Republic of China (PRC) social insurance law

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.