At present, many financial institutions have social security loans, such as China Resources Bank, Heng Chang Huicheng Company, Yafulu Company and Dida Property Insurance Company.

Take the social security loan of China Resources Bank as an example.

1. Borrower 18-60 years old, with no bad credit record;

2. Have a fixed job in the loan place and pay social security continuously 12 months or more;

3. Have a stable income in the loan place and be able to repay the loan principal and interest;

4. Have a fixed residence in the loan place, and can provide proof of address.

Extended data:

Social security loan interest rate:

Social security loans are also called wage loans in many places, and various financial institutions don't charge interest, but this is not free, but it is collected under a different name, called "handling fee".

For the collection of handling fees, the provisions of various financial institutions are not the same.

Dida Insurance Company charges 0.9%- 1.9% handling fee every month; The handling fee rate of Yafulu Company is 2%, which is a one-time charge and a monthly management fee of 2.3%. Heng Chang Huicheng Company charges about 2.28% commission every month.

Which bank can apply for social security loans?

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.

"China Merchants Bank Social Security Consumer Loan" has six main advantages. The first advantage is the long term, which can reach 10 year; The second advantage is that credit loans, unsecured and unsecured, can be handled by credit. It is suggested that you must pay attention to your credit history and not have bad records; The third advantage is that the loan is fast and slow, and the repayment method of "independent monthly payment" is tailored. The monthly payment is more or less, and the repayment is easy; The fourth advantage is free consumption. You can withdraw money at any time through China Merchants Bank's online banking and mobile banking, with daily interest and no interest. The fifth advantage is the preferential interest rate. As long as there is a settlement account in China Merchants Bank, after the project is opened, the deposit can be used to offset interest; The sixth advantage is that the loan is given priority for approval, and the progress is tracked throughout the process, and the approval is completed within 48 hours after the information is complete.

Social security loan is actually a personal credit loan business. The borrower can obtain a certain credit line without providing collateral and other guarantees.

To apply for a social security loan, you need to meet the following conditions: Age: You need to be a natural person over 25 years old and have full capacity for civil conduct. Credit: It has a good credit record, and there is no overdue record on the personal credit report. Work: The borrower must have a stable job, a fixed source of income and the corresponding repayment ability. Social security: to meet the relevant requirements of lending institutions for social security deposit, generally the requirements of deposit base and payment time. Other requirements: other conditions that meet the requirements of the lending institution.

Which bank can accept social security loans?

Commercial banks can handle it.

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Conditions: To apply for a loan with a social security card, the borrower must have certain repayment ability. If you can prove your repayment ability, it is necessary to talk about income and property. If the borrower applies for a credit loan, then the borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and good credit. If the borrower applies for a mortgage loan, he must have collateral as collateral, and his credit is not very bad. Collateral has mortgage qualifications and conditions, and at the same time, there must be a mortgage amount.

Social security card loan method:

Credit loan: The borrower prepares his identity certificate, income certificate and credit report promised by the local people's bank, and applies for a loan at the local lending institution. When preparing the materials, the borrower will provide the social security card together, which will help to obtain the loan smoothly and increase the loan amount.

Mortgage loan: Similar to credit loan, the required information includes not only the above group information, but also the specific information about collateral. Relatively speaking, mortgage processing will be slower.

Special note: only a separate social security card cannot be used for loans, but providing social security cards during the loan process will be beneficial to obtaining loans. The more complete the borrower's information, the easier it is to get a loan.