You can get a loan without social security.
However, the borrower needs to meet other conditions. In the absence of social security, the borrower needs to meet the following conditions:
1, has full capacity for civil conduct, and is within the loanable age range;
2. It has a legal and stable income source, and can provide a stable bank flow, and the bank flow has been more than half a year;
3. Good credit, at least no bad credit record in the near future;
4. Other conditions stipulated by the lending institution.
If the borrower can provide relevant proof materials such as real estate and cars, it will be beneficial to apply for loans.
Why does the mortgage company have no social security?
Because some companies don't have social security, and some companies do. This may be a problem for your company. This is a problem for your company. Maybe your company just doesn't have social security, but when you enter the company, you can ask if there is social security first, so you will know if there is social security. Some companies just have social security, while others just don't.
Is it legal to return the car loan without paying social security for three years?
Illegal. According to the provisions of Article 36 of the Social Insurance Law of People's Republic of China (PRC), units and individual industrial and commercial households engaged in business activities shall pay social insurance premiums on time and participate in social insurance in accordance with the provisions of laws and administrative regulations. Therefore, it is illegal to apply for a car loan without paying social security.
Can I apply for a car loan to buy a car without social security?
Do you need to buy social security for car loans? As long as you can provide proof of income, there is no problem with your credit history.
But if it is a foreign hukou, you need to have a local temporary residence. If you don't apply for social security, you can apply for a loan to buy a car. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender pays the rest to the buyer in installments.
The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.
Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.
Read the relevant insurance clauses carefully before applying for a car loan. Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract.
The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.
Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.
Application conditions:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
Application materials:
1. Original ID card, household registration book or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the cooperation agency.
After providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
This concludes the introduction of loans without social security and loans without social security. I wonder if you have found the information you need?