Social security loans and provident fund loans?

How to borrow social security provident fund loans?

First, how to borrow social security provident fund loans

1. Go to the lending institution to consult the social security loan;

2. According to the requirements of lending institutions, prepare social security loan application materials, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates;

3. Fill in the loan application form, submit application materials and submit a written application for social security loan;

4 lending institutions in accordance with the relevant provisions of strict examination and approval;

5. The lending institution signs a loan contract with the borrower;

6. Lending institutions issue loans;

7. The borrower repays the loan according to the contract.

Second, the social security provident fund loan conditions

1. age: a natural person who is required to be at least 25 years old and have full capacity for civil conduct.

2. Credit: the credit record is good, and there is no overdue record on the personal credit report.

3. Work: The borrower must have a stable job and a fixed source of income, and have the corresponding repayment ability.

4. Social security: Meet the relevant requirements of lending institutions for social security deposit, generally the requirements of deposit base and payment time.

5. Other requirements: other conditions that meet the requirements of lending institutions.

Three, the legal provisions of social security provident fund loans

Regulations on the Management of Housing Provident Fund (revised by the State Council's Decision on Amending Some Administrative Regulations on March 24, 20 19) Article 11 The housing provident fund management center shall perform the following duties:

1. Prepare and implement the plan for the collection and use of housing provident fund;

2 responsible for recording the deposit, withdrawal and use of employee housing provident fund;

3 responsible for the accounting of housing provident fund;

4. Approving the extraction and use of housing provident fund;

5 responsible for the preservation and return of housing provident fund;

6 preparation of housing provident fund collection and use plan implementation report;

7. To undertake other matters decided by the Housing Provident Fund Management Committee.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can't provident fund and social security pay loans in one unit? Provident fund loan conditions

Can't provident fund and social security pay loans in one unit? Provident fund and social security are the main components of five insurances and one gold. The provident fund is mainly used for loans. Most people pay their provident fund and social security by the same company, but some freelancers pay their provident fund and social security by different companies.

Provident fund and social security are not paid by the same company, depending on the specific situation. It is to prevent property buyers from obtaining housing provident fund loans by deception. If it is verified that the borrower's provident fund and social security are not paid by the same company, the borrower must explain why the social security and housing provident fund are not paid by the same company. After verification, the provident fund management center will make a judgment according to the specific situation.

Provident fund loan conditions:

1 Lender 18 years old or above, with full capacity for civil conduct;

2. The lender has a valid account or residence permit at the place where it is located;

Before applying for provident fund loans, the housing provident fund has been paid normally for six consecutive months;

4. The lender has procedures and contracts for house purchase, lease and decoration;

5 the down payment of the house should exceed 30% or 20% of the total purchase price;

Lenders have good personal credit information, stable income and the ability to repay on time.

Provident fund and social security are best paid by the same company. If the freelancer ID card is paid by another company, try to pay by the same company. Otherwise, the pass rate will be greatly reduced when applying for provident fund loans in the future.

Can I buy a house with a social security loan without a provident fund for a foreign hukou?

One: without housing provident fund, you can't make provident fund loans, you can only choose commercial loans, and the loans have nothing to do with social security.

Two: commercial loans pay higher interest than provident fund loans, but in fact provident fund loans are more complicated and have longer delays than commercial loans.

Three: commercial loans, your foreign loans have problems, that is, your repayment ability. You must talk to the bank about it and see if they agree. Therefore, some friends said that it would be more convenient to find a local company to hang up.

First of all, your procedure is to determine which commercial bank you want to borrow from. If you sell a house, they have a lot of banking people to cooperate or promote it. You can consult before choosing. In fact, the loan interest rates are almost the same.

Then the other party will ask you to provide a series of materials. You need to provide your household registration book (if you are an individual, if you bought it together, such as with a friend or lover, then you should also provide the other person's household registration book), your ID card and proof of income. This is the key. Every bank needs you to provide it. Married people can provide marriage certificates, and unmarried people can provide single certificates. According to the requirements of banks, some banks require.

Can provident fund loans and social security loans be handled at the same time?

Yes, when the amount of provident fund loans is insufficient, users can choose portfolio loans, that is, they can apply for provident fund loans and commercial loans at the same time. The advantage of portfolio loan is that it can solve the problem of insufficient loan amount of provident fund, and the loan interest of portfolio loan is lower than that of commercial loan. However, users must meet both commercial loan conditions and provident fund loan conditions before they can apply at the same time. In portfolio loans, the loan term, loan date and repayment date of commercial loans and provident fund loans are the same, but the loan interest rates are different.

Can social security be loaned?

Social security cannot be used for loans, but many loans need social security information when they are processed. After submitting this information, you need to submit other information. Only when they all meet the requirements of the bank can they be used for loans. When handling loans, different loan types need different information. No matter what kind of loan you apply for, you need the borrower to have full capacity for civil conduct, have a stable job, be able to repay the loan on time, and the borrower must have good credit information. These are the basic conditions for handling loans, and it is difficult to handle loans smoothly in the case of poor personal credit information.

It is best for users to assess their repayment ability in advance before handling loans. If the monthly repayment amount is only a small part of their income, users can apply for loans at this time. If the monthly repayment accounts for most of its income, the borrower should be cautious in lending at this time to prevent overdue repayment. Repay on time, otherwise there will be penalty interest and personal credit will be affected. If personal credit information deteriorates, it will be more difficult to apply for a loan again, and the possibility of rejection is very high. If the overdue debts are paid off, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years.

There is no social security loan in the five insurances and one gold, and only the housing provident fund can lend. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Housing provident fund loan conditions

Most of them have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same. Take Chengdu as an example:

1, employees with permanent residence or valid residence identification in the local administrative area;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6, other conditions stipulated by the provident fund center.

This is the end of social security loans and provident fund loans. I wonder if you have found the information you need?