A, the social security bureau has no personal business loans retirees can guarantee
Social security bureau seems to have no "personal business loans", but there is a "new business subsidies", bring the The first thing you need to do is to get your business license and go to the social security office to apply for it.
Second, the Social Security Administration with a business license for interest-free loans need to meet the conditions, legal persons have a mortgage can apply for it?
Don't understand ah ==!
Three, the conditions of the Social Security Administration business loans?
1, the loan applicant must have a legally valid proof of identity and proof of legal residence in the location of the loan bank, as well as a fixed residence or place of business.
2, the loan applicant must be within 18-50 years of age.
3. They must have been unemployed for up to six months before they can apply.
4, must go to the labor security department where the account for the relevant procedures, apply for "employment and unemployment registration", you can rely on this proof of business execution (copy can also be) tax registration documents and store rental contracts and other valid documents, to the social security bureau where the account for the application of small guaranteed loans.
5, the applicant's investment program requirements have been a certain amount of their own funds. This is an important condition for banks to measure whether to borrow, because the amount of business loan requirements generally up to a maximum of no more than 70% of the total amount of funds required for the lender's normal production and business activities required working capital, as well as the purchase (installation or repair) of small equipment and franchising chain of funds required.
6, the loan applicant must open a settlement account in the bank where the loan is made, and the business income should be settled by the bank. And the use of the loan is in line with the relevant national laws and regulations of the Bank's credit policy, and is not allowed to be used for other speculative investment projects such as equity interests.
7, loan guarantee loan applicants need to provide certain guarantees, including real estate mortgages, certificates of deposit pledge and third-party guarantees in three forms, in addition to as far as possible to provide some of their own credit status, repayment ability, and loans and investment information to the bank, which will increase the integrity of the loan, in order to facilitate the smooth obtaining of loans.
8, other loan conditions specified by the relevant lending bank.
Generally speaking, the social security program that enterprises pay for their employees is "five insurance and one gold", which includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and "one gold" is housing fund. The "five insurance" includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and the "one fund" is the housing fund. Because social security is required by the state to be paid by enterprises to their employees, the payment of social security can directly reflect the applicant's work situation.
It is worth noting that the social security payment does not affect the applicant's loan amount. The exact amount of loan the applicant can apply for is directly related to the applicant's income level. If an individual has a good credit record, the bank will offer a higher loan amount, which can usually reach about 8-10 times the individual's salary.
What are the conditions for social security loans?
To get a loan with a social security card, the borrower needs to have some repayment ability. If the borrower is applying for a credit loan, then the borrower has been working in his current organization for more than six months, has a monthly income of more than 3,000, and has a good personal credit record. If the borrower is applying for a mortgage loan, the borrower has to have collateral to secure the loan and has a good credit history. Collateral to meet the mortgage qualifications and mortgage conditions, as well as to have a mortgage amount
Four, for business loans need to pay personal social security or business enterprise social security
For business loans need to pay the enterprise social security. Because social security is the state requires enterprises to pay employees, so the payment of social security can be a direct response to the applicant's work situation. It is worth noting that the social security payment does not affect the applicant's loan amount. The exact amount of loan the applicant can apply for is directly related to the applicant's income level.
If an individual has a good credit record, the bank will give a higher loan amount, which can generally reach about 8-10 times the individual's salary. What are the conditions for social security loansTo get a loan with a social security card, the borrower needs to have a certain repayment ability. If the borrower is applying for a credit loan, then the borrower is working in the current unit for more than six months, with a monthly income of more than 3,000, and a good personal credit record.
If the borrower is applying for a mortgage loan, the borrower has to have collateral to pledge and a good credit history. The collateral should meet the eligibility of the mortgage as well as the conditions of the mortgage, and at the same time, there should be a mortgage amount.
The conditions for business loans:
1, the loan applicant must have a legally valid identification and proof of legal residence in the location of the loan bank, as well as a fixed residence or place of business.
2, the loan applicant must be within 18-50 years of age.
3. They must have been unemployed for up to six months before they can apply.
4, you must go to the labor security department where the account for the relevant procedures, apply for "employment and unemployment registration", you can rely on this proof of business execution (copy can also be) tax registration documents and store rental contracts and other valid documents, to the social security bureau where the account for the application of small guaranteed loans.