What loan can I apply for with social security?

If you have social security, you can apply for the following loan: 1. General lending institutions require applicants to be legal citizens of China who have reached the age of 25 and have a certain source of income, and provide relevant certificates.

2. Applicants are required to provide social security certificates, and the time limit for social security payment is also stipulated. The applicant's social security payment must meet the requirements of continuous payment for more than 18 months. If there is an interruption in the middle, the date should be calculated from the next payment of social security, and it must be paid continuously for 18 months before applying for social security loans.

legal ground

Article 64 of the full text of People's Republic of China (PRC) Social Insurance Law: Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.