Borrowers who meet the requirements for social security loans can prepare relevant materials and apply for loans from lending institutions. The specific loan steps are as follows:

1. Go to the lending institution to consult the social security loan;

2. According to the requirements of the lending institution, prepare the application materials for social security loans, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates;

3, fill in the loan application form, submit the application materials, put forward a written application for social security loans;

4 lending institutions in accordance with the relevant provisions of strict examination and approval;

5. The lending institution signs a loan contract with the borrower;

6. Lending institutions issue loans;

7. The borrower repays the loan according to the contract.

Social security loan application conditions:

Because paying social security is mandatory, employees will basically pay a certain fee according to the regulations. Like other credit personal loan products, social security loans are unsecured and unsecured, but applicants must meet certain conditions before they can successfully apply.

Generally speaking, social security loan application conditions include:

1. Borrower 18-60 years old;

2. The borrower has a good credit record;

3. The borrower has a stable job, income and corresponding repayment ability;

4. Meet the relevant requirements of lending institutions for social security, usually the payment period and payment base, such as continuous payment for more than 6 months, and the payment base is more than 3,000 yuan;

5. Other conditions stipulated by the lending institution.

Now there are two ways.

1. Credit loan:

Borrowers need to prepare their own identity certificates, income certificates and personal credit reports to apply for loans at local lending institutions. 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.

2. Mortgage loan:

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

Social security card is only one of the proof materials that need to be provided when handling loans. It is impossible to apply for a loan only by social security card. Lenders can consult with lending institutions in advance before handling loans.

Social security is compulsory.

If you have social security, you can apply for the following loan: 1. General lending institutions require Nancy to require the applicant to be a legal citizen of China who has reached the age of 25 and has a certain financial source, and to provide proof of being closed in Lukai.

2. Applicants are required to provide social security certificates, and the time limit for social security payment is also stipulated. The applicant's social security payment must meet 18 months and be paid continuously. If there is an interruption in the middle, the date should be calculated from the next payment of social security, and it must be paid continuously for 18 months before applying for social security loans.

legal ground

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. 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.

Can I get a loan with my social security card?

You can use a social security card to get a loan. The user has a social security card, which means that he has a stable job, paid social security and has a stable job, which is very helpful for applying for a loan. Of course, social security cards cannot be directly submitted to lending institutions as loan application materials, and users can apply for loans as long as they reach the loan threshold. As for the social security card, it can be used as a loan bank card.

In addition, social security cards need to use the financial function of social security cards to apply for loans. Users must ensure that the social security card is in a normal state, otherwise misappropriation may fail.

How to borrow a social security card loan?

Social security card loans need to find a formal lending institution, and recommend Mo Long with high reputation. Mo Long Platform mainly deals with corporate tax bill loans, mortgage loans, non-car loans and other loan projects. Good reputation, trustworthy!

Social security loan application conditions:

1. The applicant must be at least 22 years old, with good personal credit information and full capacity for civil conduct.

2. The borrower has worked in the current unit for more than half a year, with a monthly income of more than 3,000 yuan and a good personal credit record.

3. Applicants need to provide long-term social security payment records. You can only apply for social security loans after paying social security.

4. If the social security payment period does not meet the requirements, it is also acceptable to provide proof of continuous payment of provident fund for more than 8 months.

5. The current unit has recently paid for 6 months continuously, and the social security or provident fund payment base is more than 2,000 yuan. The work place is consistent with the application place, and the work place is consistent with the social security payment place.

For more information about the loan, please consult Moore Long. Mo Erlong not only has three promises: employees are strictly forbidden to collect sincerity money privately; Do not require customers to pay liquidated damages; There is no extra charge for standard service. There are also eight guarantees: the safety of funds comes from licensed institutions; Professional loan assistance, 0 down payment without routine; Customer first, honesty as the rest assured; Refuse to disclose and protect your privacy; Legally operate and provide formal invoices; Post-loan management, guarding personal credit information; Open and transparent, all business can be checked; Adhere to integrity, do not make false promises, and have a high reputation in the same industry.

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 with my social security card?

You can't get a loan just by social security card.

Social security card loan method

Generally speaking, the normal loan relationship depends on personal credit, repayment ability and guarantee conditions. The social security card can only prove your identity and prove that you have participated in social security, but you can't borrow money.

unsecured/fiduciary loan

To apply for a credit loan, a borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and a good credit.

You need to prepare your identity certificate, income certificate and credit report printed by the local people's bank to apply for a loan at a 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.

loan on mortgage/security

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.

Similar to credit loan, the borrower prepares his social security card, identity certificate, income certificate, credit report promised by the local people's bank, and specific information of collateral to apply for a loan at the local lending institution.

At the same time, the processing of mortgage loans will be slower than that of credit loans.

Conditions for applying for a loan

After understanding the loan method, you have to understand the loan conditions: 1 natural person aged 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information, no bad records, and legal use of the loan; 5. Meet other conditions stipulated by the bank.

In short, the social security card alone can't apply for a loan, but it can play a certain role in applying for a loan.