How to apply for a loan with social security

What is the loan process of social security loan?

1. What are the procedures for applying for social security loans?

1. Consult with specific lending institutions about social security loans;

2. Prepare the materials required for social security loan application according to the requirements of the lending institution;

3. Fill in the loan application form, application materials and social security loan application form;

4. Sign a loan contract after approval;

5. Lending institutions issue loans;

6. The borrower pays off the loan within the loan period, and the process ends.

Social security loan

Second, what are the conditions for applying for social security loans?

1. Borrower 18~60 years old, with full capacity for civil conduct;

2. The borrower has a good credit record;

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

4. Meet the relevant requirements of lending institutions for social security, 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;

5. Other conditions stipulated by the lending institution.

Third, how to use social security loans?

1. Credit loan:

The borrower shall prepare his identity certificate, income certificate, personal credit report and social security payment voucher, and apply for a credit loan from the local lending institution. The role of social security can effectively help the loan succeed.

2. Mortgage loan:

Like credit loans, social security is also one of the important auxiliary materials when handling mortgage loans.

How to use social security card for loan?

If the loan cannot be obtained, the lending institution will check the borrower's repayment ability when issuing the loan. At this time, if the borrower can only provide a social security card, it will not be able to prove its repayment ability.

When applying for a loan, the borrower shall provide a social security card, and loan materials such as work certificate, income certificate, personal ID card and bank account issued by the unit. Provide the above loan materials to the lending institution, and only after passing the examination can the loan be processed. Residents who have paid premiums for more than one year can apply for "social security consumer loans" at any outlet of China Merchants Bank, which can be used for car purchase, decoration, study abroad, tourism, consumption and other purposes; Moreover, the loan amount is relatively high, which can basically meet various normal consumption needs; This loan amount can be recycled and paid back when you borrow it.

Extended data:

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

The Social Security Card of the People's Republic of China is an integrated circuit (ic) card, which is uniformly planned by Ministry of Human Resources and Social Security and issued to the public by local human resources and social security departments, and used in various business fields of human resources and social security.