How long can social security repay the loan?

How long can I apply for a loan after paying social security (2 and a half years in total?)

Social security must be paid in full 18 months before the loan can be made.

Social insurance is a way to provide income for people who have lost their labor force, temporarily lost their jobs or suffered losses due to health reasons.

Social and economic compensation system. The social insurance plan is organized by the government, forcing a certain group to pay part of their income.

The social insurance fund that forms social insurance tax, the insured can get a fixed amount from the fund under certain conditions.

Compensation for income or loss is a redistribution system, whose goal is to ensure the reproduction of material and labor and society.

Stable. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Conditions for social security loans:

1. Lender is 22-55 years old;

2. Social security is paid continuously 18 months or more without interruption;

3. The monthly deposit base is more than 4,000;

4. Good credit information;

5. Provide the verification phone number.

How long can the social security provident fund loan be paid?

Generally speaking, if you want to apply for a provident fund loan, you need to pay the provident fund continuously for at least six months, which is only the minimum requirement.

First of all, different places may have different regulations. For example, it may take more than 12 months to apply for provident fund loans in some places.

Secondly, some places need to use provident fund loans to buy a house, which requires not only the payment time of provident fund, but also the payment time of social security. For example, buying a house in some places may require paying 1-2 years of social security. Provident funds are generally paid together with social security, so social security needs to be paid as long as possible.

Thirdly, if you want to apply for a provident fund loan, it depends not only on whether the deposit time meets the requirements, but also on whether the amount paid is sufficient. Because you want to apply for a provident fund loan, the loan amount you can apply for usually has a lot to do with the deposit amount. If the deposit amount is too small, there is not much money to borrow, which does not make much sense.

Although many people have enough time to pay provident fund, they finally give up using provident fund loans. The main reason is that the amount of provident fund deposit is too small, and the amount of provident fund loans they can apply for is too far from the amount they want to apply for. Then, how much provident fund do you need to pay to apply for provident fund loans?

How much does it cost to apply for a provident fund loan?

There is no specific requirement on how much the provident fund needs to deposit before applying for a loan. Usually, the more deposits, the more loans you can apply for.

However, there is an upper limit on the amount of provident fund loans in various places. Even if you pay more provident fund, the loan amount cannot exceed this upper limit.

From the perspective of maximizing benefits, it is definitely the best to use up all the amount of provident fund loans. Then, if you want to use up the provident fund loan amount, how much provident fund do you need to pay? This is different from the limit and calculation method of provident fund loans in every place.

Take Changsha as an example, for example, the loanable amount of provident fund loans = (monthly contribution of provident fund × 12× future personal account balance of provident fund )× 2, and the upper limit of personal provident fund loans is 600,000.

It can be seen from the calculation formula of the amount of provident fund loans in this city that the number of times a person can apply for provident fund loans is not only related to the deposit amount, but also related to the monthly deposit amount and the number of years that can be deposited.

If the monthly deposit is 1 000 yuan and the deposit period is 20 years, you need to deposit 60,000 yuan before you can apply for a provident fund loan of 600,000 yuan. If you want to deposit 60,000 yuan cumulatively, then deposit 1 0,000 yuan every month, which is 5 years.

It can be seen that although the provident fund can apply for provident fund loans in the shortest six months according to the regulations, I really want to use provident fund loans to buy a house, and the payment time may be much longer.

How long does it take to pay social security to get a loan?

Continuous 18 months. Social security loan conditions: the lender is 22-55 years old; Social security is paid continuously 18 months or more without interruption; The monthly deposit base is more than 4,000; Good credit information; Provide the verification phone number.

Can I get a loan by paying social security for half a year?

You can't get a loan after paying social security for half a year. Generally, it takes continuous repayment 18 months to get a loan. Loans with social security cards require the lender to have a certain repayment ability, such as a monthly income of more than 3,000 yuan and a good personal credit status. If the lender applies for a mortgage loan, it needs to have a certain amount of collateral for mortgage and a good credit record.

For more information about paying social security loans for half a year, please visit: See More.

How many months can I borrow money to buy a house after paying social security?

It usually takes half a year to send it.

The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

How long can I borrow money to buy a house after social security payment?

You can borrow money to buy a house after paying social security for one year, but it can only be used for commercial loans. If you have a housing provident fund, you can use the provident fund loan.

Commercial loan process:

1. Submit loan application: After signing the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.

Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.

2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month. During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.

4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.

5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.

Legal basis:

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

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

So much for the introduction of how long social security can be paid.