Why do I need social security for one year before I can get a loan?

Talents need to pay social security for one year to buy a house. Why is buying a house always linked to social security?

Guangzhou property market is adjusted and upgraded. The Guangzhou property market is clear, and the exemption period of individual sales housing value-added tax in nine districts has been raised from two years to five years. In addition, talents need to buy social security in Guangzhou for one year, which means it is more difficult to buy a house in Guangzhou. Once the social security is less than one year, they are not eligible to buy a house. In fact, the purchase of houses in many cities will be linked to social security. I think there are three reasons.

First, the regulation of the property market suppressed the real estate speculators.

Since 20 16, China has always adhered to the policy of "no housing speculation", but there are still many investors who make huge profits through real estate speculation. In recent years, these real estate speculators have flooded into many cities, causing local housing prices to rise. However, once the purchase is linked to local social security, a large part of the foreign population can be brushed off, and the investment opportunities of most real estate speculators will be cut off. This is also in line with the national policy of "no real estate speculation", and it can also curb the excessive rise in housing prices, which is conducive to the development of people who really want to develop in this city and maintain the stability of talents.

Second, it is easier to apply for a bank loan.

A house is a commodity, and many people can't buy a full house for most of their lives. They all buy houses through bank loans. Social security is audited and handled by official institutions, with strong credibility. Nobody can fake it. A person with social security means that he has a stable job and income, so he has the ability to repay the loan. Therefore, when banks see such customers, they naturally don't have to worry that customers can't afford to borrow money.

Third, social security can avoid risks without worrying about being forced to cut off the supply under the pressure of life.

Buying social security can get support and help from many countries, especially for expensive projects such as medical care, work injury and maternity, and the state will have certain subsidies. But if there is no social security, then these expenses need to be paid by themselves, and the loan for buying a house needs to be repaid every month. In this way, the pressure of life will be very great, and some people will be forced to cut off their supply under the pressure of life, which will cause great losses.

Is it continuous or cumulative to provide social security for 1 year or more with loans to buy a house?

Buying a house with a loan has provided social security for more than one year, and usually social security is being paid. This is some requirements of some cities for buying a house with a loan, and not all regions have such requirements.

Loan steps

1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the transaction house, determines the loan amount, term and repayment method, evaluates the transaction house, and determines the loan amount and the value of the house (collateral) to be traded by both parties. Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Confirmation Form for Pre-examination of the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.

2. The employee who puts forward the loan demand and intends to apply for the second-hand housing loan shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.

3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods are divided into installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.

4. Sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, receive the house evaluation report, sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities and self-raised fund delivery. Both parties to the transaction can make delivery under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.

5. Fill in the Application Form for Housing Provident Fund Loan and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required). If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.

6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.

7, audit, examination and approval, audit

8, signed a loan contract and other procedures

I registered in Shenzhen and applied for a commercial loan from the bank to buy the first suite. Do I need to pay social security for one year?

No, if you apply for a provident fund loan, you need to pay social security for one year. The conditions for applying for commercial loans are as follows:

1, with legal residence status;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase 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;

7. Other conditions stipulated by the lending bank.

Can I get a loan after paying social security for one year?

Social security has not been paid for one year, which generally has nothing to do with whether it can be loaned, and some areas will have requirements.

Social insurance refers to a non-profit social security system with income redistribution function, which is used by the state to prevent and force most social members to participate.

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. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed. Social insurance is not for profit.

Social insurance is mainly through raising social insurance funds, coordinating and adjusting social insurance funds within a certain range, and giving necessary help to workers when they encounter labor risks. Social insurance provides basic living security for workers. Workers can enjoy social insurance benefits as long as they meet the conditions for enjoying social insurance, that is, they have established labor relations with employers or paid various social insurance premiums according to regulations.