Can I get a loan with a social security card?

The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

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Relevant laws and regulations of Interim Measures for the Administration of Personal Loans:

Article 36 Lenders shall distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.

Commercial banks should formulate a clear development strategy and risk management plan for credit card business, establish and improve the internal control, authorization management and risk management system, organization, system, process and post of loan business, and clarify the division of labor and related responsibilities.

Article 37? There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method. Interest is calculated on a daily basis according to the principal amount of the loan, with more early repayment and less monthly repayment.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans