I have social security, can I get a loan

I have social security, can I get a loan?

Hello, applying for personal loan in Zhao2 1 13, the application requirements and conditions of loan types are different. First of all, what is the purpose of your loan? The loan funds of our bank are used for special purposes, such as the mortgage of property legally consumed by 465,438+002 people or families, such as car purchase of 52,665,438+0, decoration, education, bulk shopping, tourism, etc. , and when applying for a loan, you must provide relevant supporting materials according to the "loan purpose" (Note: the loan of our bank needs to specify the purpose of the loan funds, and the special fund is special.

As the types of loans provided by branches are different, you can contact our online customer service /cmu/icslogin.aspx first. from=B

The payment of social security is mandatory, so employees will basically pay a certain fee according to the regulations. This does not mean that office workers who have paid social security can apply for social security loans. Like other credit personal loan products, social security loans are unsecured and unsecured, but they can only be applied if certain conditions are met. Generally speaking, the application conditions for social security loans are:

Borrower 18-60 years old or above.

The borrower has a good credit record.

The borrower has a stable job, income and corresponding repayment ability.

To meet the relevant requirements of lending institutions for social security, it is usually the payment period and payment base, such as continuous payment for more than 6 months and payment base of more than 3,000 yuan.

Other conditions stipulated by the lending institution.

It is really impossible to apply for a loan only by social security card, but if you can provide a social security card when applying for a loan, it can also occupy a certain purpose. Also, if someone tells you that only social security cards can be used for loans, don't believe it. Be careful.

Fourth, how to use social security loans?

What are the social security loan conditions? It depends on how long you have paid social security and the payment base. The main items of social security include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. In addition to using social security regularly, social security can also apply for loans. Social security loan conditions First of all, social security loans must meet the following conditions: 1, social security payment continuously 18 months or more, without interruption.

2, must be 22-55 years old (excluding) residents of China (excluding Hong Kong, Macao and Taiwan).

3. Have a stable job, and the work unit buys social security and provident fund for individuals.

4. Work place and application place, work place and social security payment place belong to the same city.

5. There is no overdue record, and it has the ability to repay the loan principal and interest on time. Compared with your own conditions, if you can basically meet them, you can try to apply for social security loans in the bank. Everyone's social security contributions are different, so the loan amount will be different. Social security loans can be up to 600,000.