Can I apply for a social security loan in the app?

1. Can I apply for a social security loan in the app?

Social security loans can be applied in the app, and personal social security accounts that meet the requirements of lending institutions can be used for loans. Personal social security loans are essentially credit loans. If you can provide a personal social security account that meets the requirements on the basis of satisfying the credit loan processing, then the loan amount will increase accordingly. At present, institutions that can handle personal social security loans include some banks, companies and a small number of online lending platforms. Personal social security loans must meet the following conditions:

1. The borrower must be a citizen of China, have a fixed job and be between 20 and 55 years old;

2. The borrower has a good reputation and no debt;

You must have certain repayment ability. If you borrow from a bank, you usually need a monthly income of more than 4,000 yuan. If you go to a company or online lending platform, the income will be slightly lower.

4. Generally, social security is required to be paid continuously for more than 12 months, and it must reach the local deposit base.

Second, can rural social security cards be used?

Rural social security card can. At present, many banks and lending institutions have launched social security loan products. However, it should be noted that you can't just use social security card loans, and you need to prepare work certificates, asset certificates and other related documents according to the requirements of banks or lending institutions. If you want to apply for a loan through social insurance, you must be between 22 and 55 years old, have paid social insurance for at least 18 months, and have a good personal credit.

Third, there must be social security.

If you have social security, you can apply for the following loan: 1. General lending institutions require Nancy to require the applicant to be a legal citizen of China who has reached the age of 25 and has a certain financial source, and to provide proof of being closed in Lukai.

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 18 months and be paid continuously. 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 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.

4. Is there any way to pay social security?

You can apply at a local bank or guarantee company.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.