1. Is there any social security card that can apply for a loan?

Yes, you can apply for a social security loan with a social security card.

Also known as social security credit loan. It means that customers who have paid social security for a long time can apply for an ultra-low interest rate consumer loan through Huadian Guarantee. Its uses can be: car purchase, decoration, wedding, travel, purchase of furniture and home appliances, etc. Social security credit loans can be borrowed up to 500,000 for a maximum of 3 years. The process is fast, the fee is ultra-low, and there is no fee if unsuccessful.

At present, many financial institutions in Beijing have indeed launched such loan products. This loan is a credit loan business and does not require mortgage or guarantee.

Beijing social security loan application conditions

1. The borrower must be between 18 and 55 years old (most institutions require 22 or over 25 years old);

2. The borrower has a good credit record in Beijing;

3. The borrower has a stable job, income and corresponding repayment ability in Beijing;

4. Meets the requirements of the lending institution The relevant requirements for social security are usually the payment period and payment base in Beijing, such as continuous payment for more than 6 months, and the payment base is greater than 3,000 yuan;

5. Other conditions stipulated by the lending institution.

Beijing social security loan information:

1. ID card

2. Social security card

3. Proof of residence

4. Check credit information online (some institutions can also check credit information in the past three days)

2. Can I get a loan from a bank with a social security card?

China Merchants Bank has launched a flash loan business. Currently, you can only apply through mobile banking or check whether you are eligible to apply. If you hold a China Merchants Bank savings card, you can log in to mobile banking and go to My → All → My Loans → My Flash Loan to enter the application page. The maximum loan amount is 300,000 yuan, and the minimum is 1,000 yuan; your specific amount will be determined based on your business situation in China Merchants Bank, and you can view it after successful application.

3. Can social security cards be used for loans?

Social security cards can be used for loans. Applying for a loan using a social security card requires the borrower to have a certain repayment ability. If you can prove your ability to repay, you have to look at your income and property. If the borrower applies for a credit loan, the borrower needs to have a stable income of more than 3,000 yuan for more than six months, and have good credit. If the borrower is applying for a mortgage loan, he must have collateral as collateral and his credit is not very bad. The collateral must have mortgage qualifications and conditions, as well as a mortgage amount. There are no loans for social security among the five social insurances and one fund, only housing provident funds can be loaned. Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. Article 675 of the "People's Republic of China and Civil Code" The borrower shall repay the loan within the agreed period. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.

4. Is there any social security card that can apply for a loan?

No.

The "Interim Measures for the Management of Personal Loans" has corresponding provisions:

Article 11 Personal loan applications should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) Loan

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and has no major bad credit record;

(6) Other conditions required by the lender.

After accepting the borrower’s loan application, the lender shall verify the content of the loan application and relevant circumstances and form an investigation and evaluation opinion.

Extended information:

Relevant legal provisions of the "Interim Measures for the Management of Personal Loans":

Article 36 Loan type, object, amount, etc., determine the loan The lender's internal audit and other departments should conduct random inspections and evaluations of loans.

Commercial banks should formulate clear credit card business development strategies and risk management plans, establish and improve loan business internal control, authorization management and risk management systems, organizations, systems, processes and positions, and clarify the division of labor and related responsibilities.

Article 37 The repayment method for housing loans with a loan term of more than one year generally includes equal principal repayments and equal principal repayments calculated daily. The initial repayment amount is larger, and the monthly repayment amount gradually increases. reduce.