Can I apply for a car loan to buy a car without social security?

It is not necessary to purchase social security for a car loan. As long as you can provide proof of income and there are no problems with your credit record.

However, if you have a registered permanent residence in other places, you need to have a local temporary residence. You can apply for a loan to buy a car without applying for social security. Buying a car with a mortgage means that the borrower who applies to buy a car pays part of the down payment first, and the lender issues the remaining part to the car buyer in installments.

An equal-amount principal repayment for a car loan refers to the equal-amount principal repayment method chosen by the borrower after a car loan. The total amount of the loan is divided into equal parts during the repayment period, and the same amount of principal is repaid every month. The deposit and the interest generated by the remaining loan in that month. In this way, since the monthly repayment principal amount is fixed and the interest is getting smaller and smaller, the borrower has greater repayment pressure at first, but as time goes by, the monthly repayment amount also decreases. Less and less.

Equal principal loan calculation formula: monthly repayment amount = (loan principal/number of repayment months) (principal - cumulative amount of repaid principal) × monthly interest rate.

Read the relevant insurance terms carefully before applying for a car loan. Purchasing a car with a loan means that before you pay off the bank loan, the car is mortgaged to the bank and belongs to the bank. In order to reduce risks, banks usually require you to purchase some car insurance as a condition of the loan in the car loan contract.

The premiums of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance terms carefully when applying for a car loan, and do not ignore this expense.

Buying a car with a mortgage means that the borrower who applies to purchase a car pays part of the down payment first, and the lender issues the remaining part to the car buyer in installments.

Application conditions:

1. Have valid identity certificate and full civil capacity;

2. Be able to provide proof of fixed and detailed address;

3. Have a stable career and the ability to repay the principal and interest of the loan on time;

4. Have good personal social credit;

5. Hold a car purchase contract approved by the lender or Agreement;

6. Other conditions stipulated by the cooperative agency.

Application materials:

1. Original ID card, household register or other valid residence documents, and provide copies;

2. Occupation and economic income Proof;

3. Car purchase agreement, contract or letter of intent to purchase a car signed with the dealer;

4. Other documents required by the cooperative agency.

After these procedures for buying a car with a mortgage are provided, you still need to meet some other conditions before you can apply to buy a car:

1. Have a valid identity certificate and full capacity for civil conduct. ;

2. Be able to provide proof of a fixed and detailed address;

3. Have a stable career and the ability to repay the principal and interest of the loan on time;

4. Personal and social Have good credit;

5. Hold a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the cooperative agency.

Can I get a loan if I haven’t paid social security for half a year and then paid for half a year?

I can get a loan even if I don’t have social security.

However, the borrower needs to meet other conditions. In the absence of social security, the conditions that the borrower needs to meet include:

1. Have full capacity for civil conduct and be within the age range for loans;

2. Have Legitimate and stable source of income, able to provide stable bank flow, and bank flow for more than half a year;

3. Good credit, at least no bad credit record recently;

4. Lending institution Other conditions specified.

If the borrower can provide relevant supporting materials such as real estate and cars, it will be helpful to apply for a loan.

Can I get a loan to buy a house if my local household registration does not have social security?

If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence in China Household registration or valid residence status (foreigners can also apply, please refer to relevant local regulations for specific conditions);

2. Have stable career and economic income, good credit, and the ability to repay the principal and interest of the loan;

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3. A contract or agreement for the purchase of a house has been signed;

4. The first installment of the purchased house must be paid in compliance with relevant regulations;

5. Provide effective guarantee approved by the lender, etc.

For further information, please contact the local branch of Bank of China.

The above content is for your reference, please refer to actual business regulations.

Is it legal to refuse to get a car loan without paying social security for three years?

It is not legal. According to Article 36 of the "Social Insurance Law of the People's Republic of China", 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, you cannot apply for a car loan without paying social security, which is illegal.

Why don’t mortgage companies have social security?

Because some companies do not have social security. Some companies are covered by social security. This may be your company’s problem. This is your company’s problem. Maybe you The company does not have social security, but when you join the company, you can ask if there is social security first, so that you can know whether there is social security. Some companies will provide social security, and some companies will not provide social security

Let’s end the introduction of the loan without paying social security.