How to handle social security loans?

The social security loan processing method is as follows:

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.

There are five risks in social security, as follows:

1, old-age insurance: after reaching retirement age, you can receive the corresponding pension by paying the accumulated old-age insurance premium of 15 or more;

2. Medical insurance: it can be used for medical reimbursement and serious illness co-ordination, and you can enjoy medical insurance benefits for life after paying medical insurance for 25 years;

3. Maternity insurance: during childbirth, you can reimburse the cost of birth check-up and delivery, and you can also receive maternity allowance and enjoy maternity leave;

4. Unemployment insurance: if the accumulated payment period before unemployment reaches one year or more, you can receive the corresponding unemployment insurance money after unemployment.

5. Work-related injury insurance: In case of work-related accidents during working hours, you can get corresponding compensation.

To sum up, you can query social security benefits information through social security window, self-service machine, electronic social security card and national government service platform.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 64

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. 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.