Can I get a loan when I just joined the job? I just started my job. Can Zhihu get a loan?

If you have an insurance policy, mortgage house, car or full house in your name, you don't need to be employed to apply for a loan. If you don't have these conditions, you can only apply for a loan by punching in your salary and social security fund. Generally, to apply for a loan with these things, you need to work in your current unit for more than half a year, while bank loans need at least 12 months, or more accurately, you need to punch in your salary. Social security or provident fund must be paid continuously for 6 months or 65,440 months.

Can I get a loan when I just joined the job?

Of course. You can try to apply for a loan when you just work, but the probability of passing it will be relatively low, because lending institutions generally need to check the applicant's bank flow in the past six months, and people who just work may be lacking in job stability and income level, so the success rate of loans is not high.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.

Can I buy a house with a provident fund loan when I just joined the work? It's difficult, but not impossible.

Many borrowers will consider provident fund loans as soon as they apply for mortgages. Compared with the pure commercial loans of banks, the interest rate of provident fund loans is lower, the cost performance is higher, and the balance can be deducted, which directly offsets the monthly mortgage repayment. Can I buy a house with a provident fund loan when I just joined the work? It's difficult, but not impossible!

Can I buy a house with a provident fund loan when I just joined the work?

In most cases, borrowers who have just joined the work cannot use provident fund loans to buy a house. Because according to the regulations, if you want to buy a house with a provident fund loan, the borrower must continuously deposit the housing provident fund for at least 12 months, and some areas even require more than 2 years. If the borrower has worked for less than one year, it is impossible to apply for provident fund loans.

However, if the borrower has paid the housing provident fund for the borrower before joining the work, he can also apply. For example, the borrower has been a freelancer before. Although he has not worked in the company, he has been paying five insurances and one gold continuously. Then according to the regulations, this situation can also be applied. However, if individuals pay the provident fund, the proportion is half higher than that of working in the company.

What materials do I need to apply for housing provident fund?

Valid identity documents and household registration book of the borrower and spouse (if any) (the second-generation identity card needs to be copied on the back page, and the household registration book should be copied on the title page, the first page of the household registration book and the pages of the borrower and spouse).

The original purchase contract signed by the borrower and the selling unit; The down payment receipt delivered by the borrower to the house selling unit in advance is not less than that agreed in this agreement; The borrower and his/her spouse (married) * * * fill in the loan application form, the housing accumulation fund deposit certificate issued by the unit, the salary income certificate of the last year, and the borrower's bank card.

The above is the related content sharing of "Can you buy a house with provident fund loans when you just join the work?". I hope I can help you!

Can I get a loan if I just change my job? The result was unexpected!

Because many people are now working in private enterprises, with frequent changes, many loans require jobs and must have stable jobs for at least half a year. But lack of money doesn't depend on whether you have a job or not. If you change jobs only when you need money badly, can't you apply for a loan?

Not exactly. Because internet loans are very developed now, there are various loan products on the market, many of which do not need a work unit, and if you just change jobs, it proves that the bank traffic has been very stable before, you can use this traffic to apply for a loan at the bank.

1. What is the impact of a stable job on loans?

Most of the loan application conditions are stated, so you must have a stable job. Generally speaking, you only need to work in your current unit for 3 months, and some loan requirements will be more stringent, at least for more than half a year. After all, people who frequently change jobs can not only guarantee their income, but also prove that their repayment ability will be greatly reduced if they stay in one place for a short time.

2. Will changing jobs affect the loan?

Basically not. If you have just changed your work certificate and are still working, you will get paid during the probation period, and there will be a fixed deposit in the running record of the bank every month. Moreover, most people quit their jobs in pursuit of better development space and salary, which may be higher than the salary of their last job.

3. What loans can I apply for when I just quit?

At present, many online loans on the market do not need to look at work. If you need money, you may wish to choose a safer and more reliable loan product to find out.

If the lending institution does have requirements for work, then after working for 3-6 months, applying for a loan according to the requirements of the lending institution for working hours can effectively avoid the restrictive threshold of the lending institution.

Can I apply for a job loan?

You can apply for a loan if you have a job, but the success of the loan depends on whether the borrower meets the conditions stipulated by the lending institution.

There are many bank loan products, and different loan products have different loan requirements, but to sum up, the following conditions must be met:

1. The borrower must be at least 18 years old, have full capacity for civil conduct and be able to provide valid personal identification.

2. The borrower needs to have a permanent residence in the town.

3. The borrower must have a stable job and income, good personal credit, no record of bad behavior and the ability to repay the principal and interest of the loan.

4. Individual banks will require borrowers to apply for credit cards or loans themselves, and lenders have good credit records;

5. If you apply for mortgage loan, you need to provide assets recognized by the bank as mortgage or pledge.

Can I get a loan for my new job? Zhihu's introduction ends here. Did you find the information you needed?