Social security cannot be used for loans, but many loans need social security information when they are processed. After submitting this information, you need to submit other information. Only when they all meet the requirements of the bank can they be used for loans. When handling loans, different loan types need different information. No matter what kind of loan you apply for, you need the borrower to have full capacity for civil conduct, have a stable job, be able to repay the loan on time, and the borrower must have good credit information. These are the basic conditions for handling loans, and it is difficult to handle loans smoothly in the case of poor personal credit information.

It is best for users to assess their repayment ability in advance before handling loans. If the monthly repayment amount is only a small part of their income, users can apply for loans at this time. If the monthly repayment accounts for most of its income, the borrower should be cautious in lending at this time to prevent overdue repayment. Repay on time, otherwise there will be penalty interest and personal credit will be affected. If personal credit information deteriorates, it will be more difficult to apply for a loan again, and the possibility of rejection is very high. If the overdue debts are paid off, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years.

There is no social security loan in the five insurances and one gold, and only the housing provident fund can lend. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Housing provident fund loan conditions

Most of them have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same. Take Chengdu as an example:

1, employees with permanent residence or valid residence identification in the local administrative area;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6, other conditions stipulated by the provident fund center.

What does provident fund loan mean?

Housing provident fund loans refer to loans issued by the housing provident fund management center to housing provident fund depositors who purchase, build or overhaul their own houses and retired employees who pay housing provident fund during their working life.

First, buy a house with the provident fund after seeing the house.

1. Personal data provided by the housing sales center.

2. Apply for provident fund loan business information from the bank.

3. The applicant shall submit the evaluation report issued by the evaluation institution and the required preliminary examination materials to the loan review institution.

4. Handling the guarantee formalities: The applicant shall handle the guarantee formalities by choosing the guarantee method by himself with the Notice of Investigation on the Loan Entrusted by the Housing Provident Fund Management Department of xx City.

2. According to your provident fund 1.500, if it is the first house, the down payment is 30% (42001.500.3 =1.89 million), and the maximum loan can be 4401.0 million.

Three, the loan is paid off in 30 years, and the monthly payment is 2603.38+03 yuan. According to the contribution of the provident fund 12%, you can repay the loan every month according to your own income, or you can control the repayment amount yourself. Minimum payment 10 year, monthly payment is 5053.48+03 yuan.

Extended data:

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.