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. Provide the verification phone number.
Second, how to apply for social security card loans
You can apply for credit loans and mortgage loans with social security cards:
1. Credit loan: The borrower is required to have stable income and good personal credit. After preparing his identity certificate, social security card, income certificate and credit report, he can apply for a loan at a local lending institution;
2. Mortgage loan: The materials to be prepared include social security card, identity certificate, income certificate and credit report. For mortgage loan, it is necessary to provide relevant materials of collateral to the lending institution, and it is required that the collateral is qualified and meets the mortgage conditions.
Third, how to apply for social security card loans
Social security loan conditions: 1. The lender is 22-55 years old; 2. Social security, without interruption; 4. Good credit information; 5. Be able to provide your own identity certificate, income certificate and credit report promised by the local people's bank, and apply for loans at local lending institutions. When preparing the materials, the borrower will provide the social security card together, which is conducive to obtaining the loan smoothly and improving the similarity of the loan credit loan. The required materials include not only the above-mentioned group of materials, but also specific mortgage loans with collateral. It will be slower to apply for a loan. Only a separate social security card can't handle 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.
Fourth, how to use social security loans?
Of course.
The payment of social security is mandatory, so employees will basically pay a certain fee according to the regulations. This does not mean that office workers who have paid social security can apply for social security loans. Like other credit personal loan products, social security loans are unsecured and unsecured, but they can only be applied if certain conditions are met. Generally speaking, the application conditions for social security loans are:
Borrower 18-60 years old or above.
The borrower has a good credit record.
The borrower has a stable job, income and corresponding repayment ability.
To meet the relevant requirements of lending institutions for social security, it is usually the payment period and payment base, such as continuous payment for more than 6 months and payment base of more than 3,000 yuan.
Other conditions stipulated by the lending institution.
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:
Go to the lending institution and ask about the social security loan.
According to the requirements of lending institutions, prepare social security loan application materials, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates.
Fill in the loan application form, submit the application materials and submit a written application for social security loan.
Lending institutions shall conduct strict examination and approval in accordance with relevant regulations.
Lending institutions sign loan contracts with borrowers.
Lending institutions issue loans.
The borrower repays the loan according to the contract.