First, you can apply for a loan with a social security card. At present, there are indeed some financial institutions, such as Minsheng Bank, CreditEase and Easy Loan Network Finance, which have launched social security loans and other products. As a borrower, it must be clear that only those with social security must not lend. Generally, it is necessary to provide work certificates, income certificates and other information. If the funding gap is large, in addition to the relevant materials mentioned above, it is also necessary to provide asset certificates or mortgage guarantors. Application conditions for social security loans (taking social security loans of Minsheng Bank as an example, the same below). Loan target: natural persons who meet the social security payment conditions. Second, the social security loan application conditions 1, the borrower's social security payment continuously 18 months or more; 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 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.

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 payment 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 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.

What loan can I apply for with social security?

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. A verification telephone number can be provided.

1. Social security means that the state actively mobilizes resources from all sectors of society through legislation to ensure the survival of citizens with no income, low income and various sudden disasters, and to protect workers from old age, unemployment, illness and work-related injuries.

If the borrower can only provide the social security card, it is impossible to get the loan. Because when lending institutions issue loans, they will laugh at the borrower's repayment ability.

Generally speaking, social insurance consists of social insurance, social relief, social welfare, special care and placement. Among them, social insurance is the core of social security.

4. Social security card is an IC card that can be used all over the country, which can meet the needs of the national unified labor market and social security system networking.

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.

Can social security be loaned?

If the loan cannot be obtained, the lending institution will check the borrower's repayment ability when issuing the loan. At this time, if the borrower can only provide a social security card, it will not be able to prove its repayment ability.

When applying for a loan, the borrower shall provide a social security card, and loan materials such as work certificate, income certificate, personal ID card and bank account issued by the unit. Provide the above loan materials to the lending institution, and only after passing the examination can the loan be processed. Residents who have paid premiums for more than one year can apply for "social security consumer loans" at any outlet of China Merchants Bank, which can be used for car purchase, decoration, study abroad, tourism, consumption and other purposes; Moreover, the loan amount is relatively high, which can basically meet various normal consumption needs; This loan amount can be recycled and paid back when you borrow it.

Extended data:

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

The Social Security Card of the People's Republic of China is an integrated circuit (ic) card, which is uniformly planned by Ministry of Human Resources and Social Security and issued to the public by local human resources and social security departments, and used in various business fields of human resources and social security.