But if you only rely on the social security card, you can't apply for a loan, but you can apply for a social security loan with the social security card.
If you want to apply for a loan through the social security card, the lender must first apply for a loan in the bank to see if his conditions meet the conditions for applying for a loan.
If the bank approves the loan, it will repay it on time every month. Those who fail to repay on time will be credited to the credit record.
At present, some financial institutions have indeed launched products such as social security loans.
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 and social security loan application conditions.
Loan target: a natural person who meets the social security deposit conditions.
What are the terms of the loan?
The loan amount can be estimated according to the contract price ×85%, and the approximate evaluation price can be estimated. Buying a house with a loan requires the following conditions:
(1) A natural person with civil capacity;
(2) A developer with permanent residence or valid residence status in a town;
(3) Having a stable occupation and income and good credit service ability;
(four) to conclude a contract or agreement for the purchase of houses;
(5) If there is no housing subsidy, it shall be the down payment of not less than 30% of the housing purchase price; 30% of the individual housing subsidy is used as the down payment for house purchase;
(6) Assets recognized by the lender as mortgage or pledge, or units or individuals with sufficient compensation capacity;
(7) Other conditions stipulated by the lender.
Three, social security card and medical insurance card is a card?
(1) In some places, the medical insurance card is different from the social security card. At present, the medical insurance card and social security card in many places are all one card, a new card, the same citizen card, with a small chip on its head. This card social security and medical insurance are together.
(2) Social medical insurance card, referred to as medical insurance card or medical insurance card for short, is a special card for personal account of medical insurance, which uses personal identity card as the identification code to store and record detailed information such as personal identity card number, name, gender, account fund allocation and consumption.
(3) The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.
(4) The above is about how to apply for a social security card. Social security cards can apply for loans, but not all users who have paid social security can apply for loans smoothly.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.