Social security is the social insurance that the state forces most members of society to buy, but some people think that social security is of little use. However, many people have heard that social security certificates are needed to handle small amounts, so can there be no social security?
Xiao Ye works in a private enterprise, and every year, he sends a sum of cash to employees to buy social security. However, Xiao Ye thinks that social security is useless. Now that his wife is pregnant with a second child, she usually spends a lot of money. I need tens of thousands of yuan urgently and want to apply for a small amount, but I heard that I can't apply for a loan without buying social security.
To apply for a small amount, lending institutions have some requirements for borrowers. It is understood that some lending institutions require borrowers to have local social security, such as Citibank's "Happiness Loan" and Guangzhou Bank's "Personal Consumption Loan". In other words, borrowers who have not bought social security cannot apply for these small amounts.
So, can't you apply for a small amount without buying social security? Of course not. Some lending institutions have no rigid requirements for social security. Borrowers who have not purchased social security can apply for small loans from these lending institutions.
Without social security accumulation fund, which bank can lend?
Banks that can lend can.
Even if you don't have social security and provident fund, you can go to the bank for a loan, but the collateral may be your house, your car or something else. As long as you can meet the requirements of the bank, you can also get a loan.
If you mean buying a house and getting a loan from the bank, yes, as long as you are not restricted by social security and provident fund, you can apply for a commercial loan from the bank, that is, mortgage your house to the bank and repay it to the bank on time. If you want to make other loans at one time, it should be divided into credit loans and mortgage loans, and each loan requires different qualifications. The specific assessment is to go to the bank.
How can I apply for a loan without a job and social security? There are many ways!
In recent years, social pressure has gradually increased, and many people's jobs have become unstable, and they may become "three noes" overnight, without jobs, social security and income. So how can they apply for a loan to tide over the difficulties? Today we will introduce several methods.
I. Mortgage loan
No one can apply, as long as there is a qualified property under his name. Compared with other loans, mortgage loan is not only high in amount, but also lower in interest, which is a very good choice for many people who have no job or income.
For example, if you are in urgent need of a sum of money and have real estate to mortgage under your name, you can choose to mortgage real estate and vehicles. Assuming a loan of 50,000 yuan, the value of collateral can reach about 80,000 yuan, because the mortgage rate does not exceed 70% of the present value of collateral, and collateral value × mortgage rate = loan mortgage amount.
Second, credit card installment.
If you don't have any property in your name, don't worry. You can choose a credit card to solve the urgent need. Presumably, users who use credit cards know that credit cards have many functions, which can not only overdraw consumption, but also repay the overdraft amount in installments to solve the economic pressure to the greatest extent. Therefore, everyone should consciously maintain credit cards at ordinary times, which can play a great role at critical times.
Three. guarantee
For those who have no source of income and collateral and need a sum of money urgently, they can also choose to find someone with good credit as a loan guarantor, which is more likely to apply for a loan. However, since the guarantor will share the repayment responsibility with the lender, the guarantor is not only qualified but also signed and agreed.
Do you need social security for a one-time mortgage?
Do you need social security for a one-time mortgage?
If social security is not required, the application conditions for real estate mortgage loan are as follows:
1. A natural person with full capacity for civil conduct must be 22-60 years old (inclusive);
2. Can provide legal, effective and sufficient real estate as mortgage guarantee;
3. Good credit and the ability to repay the principal and interest of second-hand funds in full and on time. For the mortgaged property, the bank also has clear regulations: the property with property right and no other mortgage right at present, that is, the property with clear property right, complete documents and no debt. Under normal circumstances, it is best to control the building age of the property to be loaned within 20 years. The closer the building age of real estate is, the greater the corresponding loan ratio will be. The older the building, the lower the borrower's loan ratio.
This is the result of the introduction of non-social security loans and non-social security loans. I wonder if you have found the information you need?