Can I get a loan with my social security card? How much can I borrow?

There are loans, and social security loans can only apply for 500 thousand at most, but in real life, only a few people can apply for so many loans. Because the loan amount needs to refer to the social security contribution coefficient, that is, the applicant's economic income to evaluate and calculate.

However, the loan amount will also be affected by these factors:

First, the applicant's credit information, whether there is a certain repayment ability and other factors.

Second, the sum of the credit line of social security and the bank's reputation cannot exceed the maximum credit line stipulated by the bank. In addition, if you apply for a social security loan from a lending institution, there are also requirements for the loan amount, with reference to the social security coefficient of 30 times.

Social security loan application conditions:

1. The social security of the borrower has been paid continuously for more than 18 months;

2. The applicant must be a China resident, aged between 22 and 55;

3. The loan application has a stable job, and its company pays social security and provident fund for you;

4. The applicant's work place, loan application place and social security payment place are all in one place;

5. The borrower has a good personal credit record and has the ability to repay the principal and interest. Everyone's social security contributions are different, so the loan amount will be different. Social security loans can be up to 500 thousand. However, the reality is that it is rare to get such a high loan amount. The loan amount must pass the personal qualification assessment and be calculated by the social security payment.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 38 The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liabilities for breach of contract for the borrower's failure to provide true and complete information or to use and pay the loan as agreed in the contract. The acquiring bank shall adopt strict technical means to monitor the use of the acquiring mobile terminal, and do not pay regular return visits to ensure that the acquiring mobile terminal does not exceed the contracted scope.

Article 39 The collection shall be made from the lender himself and his guarantor, and shall not be made from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. Records should be kept for at least 2 years for future reference.