Social security card loan method
Unsecured/credit loan
The borrower shall prepare his identity certificate, income certificate and credit report promised by the local people's bank, and apply for a loan at 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.
Mortgage loan/securities loan
Similar to credit loans, the required information includes not only the above group information, but also the specific information about collateral. Relatively speaking, mortgage processing will be slower.
It is particularly important to note here that only a separate social security card cannot be used for 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.
You can't just apply for a loan with your social security card, ID card and bank account number, because the lending institution can't check your repayment ability with just one piece of information. How can you lend money to you with confidence? In addition, don't pay any fees before the loan!
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.
Social security (individual) cards are issued to urban employees, unemployed people and retirees, and social security (employer) cards are issued to employers.
Ministry of Human Resources and Social Security said that it will take about five years to make social security cards generally have financial functions.
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; Apply for job registration and unemployment registration, apply for unemployment insurance, and apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-first new rural social endowment insurance benefits are composed of basic pension and personal account pension.
Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.