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.

How to get a loan from a social security card

The way to borrow money from social security cards is through social security loans, but different banks have different loan requirements for social security applications. For example, residents who have paid premiums for more than one year can apply for "social security consumer loans" at any outlet of China Merchants Bank. In addition, there are some loans with the same repayment time.

If the borrower applies for a credit loan, then the borrower needs to have a stable income of more than half a year, more than 3,000 yuan, and good credit. The borrower shall prepare the identity certificate, income certificate and credit report printed by the local people's bank and apply for a loan from the 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.

Article 58 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

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.

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.

Can I apply for a loan with my social security card?

If the loan cannot be obtained, the lending institution will check the borrower's repayment ability when issuing the loan. At this time, if the borrower can only provide a social security card, it will not be able to prove its repayment ability.

When applying for a loan, the borrower shall provide a social security card, and loan materials such as work certificate, income certificate, personal ID card and bank account issued by the unit. Provide the above loan materials to the lending institution, and only after passing the examination can the loan be processed. Residents who have paid premiums for more than one year can apply for "social security consumer loans" at any outlet of China Merchants Bank, which can be used for car purchase, decoration, study abroad, tourism, consumption and other purposes; Moreover, the loan amount is relatively high, which can basically meet various normal consumption needs; This loan amount can be recycled and paid back when you borrow it.

Extended data:

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

The Social Security Card of the People's Republic of China is an integrated circuit (ic) card, which is uniformly planned by Ministry of Human Resources and Social Security and issued to the public by local human resources and social security departments, and used in various business fields of human resources and social security.