How to get a loan without social security?

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

Many people will choose to buy houses and settle in cities such as Beijing, Guangzhou and Shenzhen. When they buy commercial housing and apply for housing loans, they usually submit social security, income certificates and other related materials. Can I apply for a housing loan if I don't pay social security? Next, Bian Xiao will briefly introduce it to you.

1. You can apply for a mortgage without social security. Many cities have introduced purchase restriction policies, stipulating that non-local household registration personnel need to submit social security or tax certificates for several years before buying a house. For example, in Beijing, Shanghai and Shenzhen, non-local residents are required to pay social security or individual taxes for five consecutive years before they can buy a house. Those who have no social security and can provide tax payment certificates of corresponding years and meet other local housing conditions can obtain the qualification to purchase houses and apply for bank loans.

2. Local registered families can apply for bank loans and do not need social security when purchasing commercial houses. Because most cities have no time limit for social security payment for local registered buyers, they only limit the number of purchases. If a family with foreign household registration does not have social security and wants to buy a house, it can also apply to settle in the local area, so that it has the qualification to buy a house with local household registration.

If there is no local purchase restriction policy, we are eligible to buy a house without social security. When applying for a bank loan, you should clearly know what materials need to be submitted for a bank housing loan, because the approval conditions of each bank will be different, and some banks need applicants to submit social security certificates; Some banks only need bank running water and employment certificates, and do not need to submit social security.

Bian Xiao concluded: Regarding the mortgage without social security, Bian Xiao will briefly introduce it to you here. I hope that after reading this article, I can provide you with reference and help when buying a house in the future. You'd better pay social security on time and never pay it off, so as not to affect our future purchases.

Can I apply for a car loan to buy a car without social security?

Do you need to buy social security for car loans? As long as you can provide proof of income, there is no problem with your credit history.

But if it is a foreign hukou, you need to have a local temporary residence. If you don't apply for social security, you can apply for a loan to buy a car. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender pays the rest to the buyer in installments.

The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.

Read the relevant insurance clauses carefully before applying for a car loan. Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract.

The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.

Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.

Application conditions:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application materials:

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

After providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

How can I apply for a loan without a job and social security? There are many ways!

In recent years, social pressure has gradually increased, and many people's jobs have become unstable, and they may become "three noes" overnight, without jobs, social security and income. So how can they apply for a loan to tide over the difficulties? Today we will introduce several methods.

I. Mortgage loan

No one can apply, as long as there is a qualified property under his name. Compared with other loans, mortgage loan is not only high in amount, but also lower in interest, which is a very good choice for many people who have no job or income.

For example, if you are in urgent need of a sum of money and have real estate to mortgage under your name, you can choose to mortgage real estate and vehicles. Assuming a loan of 50,000 yuan, the value of collateral can reach about 80,000 yuan, because the mortgage rate does not exceed 70% of the present value of collateral, and collateral value × mortgage rate = loan mortgage amount.

Second, credit card installment.

If you don't have any property in your name, don't worry. You can choose a credit card to solve the urgent need. Presumably, users who use credit cards know that credit cards have many functions, which can not only overdraw consumption, but also repay the overdraft amount in installments to solve the economic pressure to the greatest extent. Therefore, everyone should consciously maintain credit cards at ordinary times, which can play a great role at critical times.

Three. guarantee

For those who have no source of income and collateral and are in urgent need of a sum of money for the time being, they can also choose to find someone with good credit as a loan guarantor, which is more likely to apply for a loan. However, because the guarantor will share the repayment responsibility with the lender, the guarantor is not only qualified but also signed and agreed.

Without social security accumulation fund, which bank can lend?

Banks that can lend can.

Even if you don't have social security and provident fund, you can go to the bank for a loan, but the collateral may be your house, your car or something else. As long as you can meet the requirements of the bank, you can also get a loan.

If you mean buying a house and getting a loan from the bank, yes, as long as you are not restricted by social security and provident fund, you can apply for a commercial loan from the bank, that is, mortgage your house to the bank and repay it to the bank on time. If you want to make other loans at one time, it should be divided into credit loans and mortgage loans, and each loan requires different qualifications. The specific assessment is to go to the bank.

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

If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5. Provide effective guarantee recognized by the lender, etc.

For details, please consult the local branch of Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

Let alone how to get a loan without social security.