Replacement social security bank loans have an impact on the replacement payment of social security bank loans

What is the calculation method for late payment of social security retroactive payment? What are the requirements for a home loan bank current?

How to calculate the personal social security late payment fee

According to the "Chinese People's **** and the State Social Insurance Law", Chapter XI, Article 86 stipulates that: the employer company has not been issued on time to pay social insurance premiums, by the organization of the collection of social insurance premiums ordered by the deadline for the payment of the premiums or to supplement the date of arrears of payment, and from the date of arrears of payment, and another five ten-thousandths of a day late payment fee; the loan overdue is still not If the loan is not paid after the due date, the relevant administrative organization shall impose a fine of not less than one and not more than three times the amount of unpaid contributions.

Late payment calculation standard: monthly social insurance premiums payable × days in arrears × five ten thousandths = late payment (rounded to two decimal places); late payment working day calculation: late payment calculation stop date - late payment calculation from the date of 1; late payment calculation from the date: to take the liquidation date of the second month from the date of calculation; late payment calculation from the date: to take the formation of the declaration of the date of the formation of the day before.

Frequently Asked Questions

(1)The core of the order to pay or supplement is the social insurance premium collection organization, the subject of the fine is the relevant administrative organs. If the social security agency collection, because it is an institution, and does not have the right to administrative penalties, it must be determined by the social insurance administrative department to make penalties.

(2) late payment belongs to the indirect application for enforcement, is a means of urging the withholding agent to exercise the power, its collection norms should be appropriate, effective, that is, not too high, not too low. About the late payment of time period, should be from the date of arrears of payment that is another collection of late payment.

(3) If the employer is ordered to pay or subsidize the loan within a certain period of time, the employer shall be fined if the loan is not paid or supplemented after the expiration of the period of time. The "unpaid amount" here is the amount of social insurance premiums owed by the employer and does not include late payment fees.

(4) The subject of the offense in this article is only the employing company, not the person himself.

The demand for mortgage bank flow:

1, for salaried people, the financial institutions key also look at the salary flow, the monthly balance and its account daily average account balance.

2, for small and medium-sized business community owners, individual community owners, etc., the financial institutions key will query the borrower in and out of the account, fixed immobile deposit balance, etc..

3, the financial institutions flow requirements reflect a relatively stable monthly period of income; at the same time the financial institutions flow reflects the home monthly income, need to be about two times the monthly payment of housing loans.

The financial institution's current insufficiency can be solved through the following methods:

1, married people can provide both husband and wife's current

For married people, if one party's current does not comply with the provisions of the current, you can provide both husband and wife's current, only need to husband and wife **** the same current in line with the provisions of the loan can be applied to the loan.

2, to provide housing fund deposit confirmation or personal tax certificate

Can provide the insurance company personal tax certificate or social security contribution certificate, the premise of which is that every month all in the same period of time to pay, so as to confirm that the loan borrower has a fixed, fixed immobile income

3, to the savings card into the savings card in a one-time deposit of a certain amount of assets

Re To the savings card into a one-time deposit of a certain amount of money, and at the same time provide proof of personal income, that is to prove their ability to repay; but also be able to provide the insurance company with other large amounts of proof of property, such as other real estate, vehicles, and so on; but also to provide the stock fund or insurance policy documents

4, to provide the conditions of the loan guarantee to meet the conditions of the application for loans

Part of the bank Allow the lender to provide efficient proof of security, coupled with the enterprise issued by the personal income certificate; if it can be proved that the overall repayment ability to meet the conditions, it will be issued loans.

I want to take out a loan of $130,000 to make up for ten years of social security contributions, I don't know if it's worth it

This is to be judged specifically on the basis of the interest rate of the loan and how much of the pension you can subsequently take.

For this issue, the main consideration from two points:

1, a one-time supplemental payment of social security contributions, how much pension can be claimed: the pension of the retiree with many factors have a relationship, want to receive a pension, the minimum number of years of pension insurance is 15 years, that is to say, the pension insurance contribution is relatively short, the pension will not be too much to receive after retirement. To second-tier cities, for example, pay 15 years of social security can receive 1,000 yuan pension has been very good, we can draw on the level of retirees around the monthly pension entitlement, you can probably budget out how much pension can be received.

2, a one-time payment of social security, but also need to consider their own actual situation, bank loan interest rates and subsequent repayment problems.

How much can social security loans be? Social security loans are calculated in a way that everyone should know

The users who have participated in the work know that, according to the regulations, each company is required to pay a certain amount of social security to the company. In addition to the social security can bring a protection for the user, in fact, can also be used as a basis for applying for loans. Some borrowers have inquired how much can social security loan? Social security loans are calculated in a way that everyone should know!

How much can social security loan?

Personal social security can apply for a maximum loan amount of 500,000 yuan, the minimum loanable amount of 50,000 yuan. It is required that the borrower is over 18 years of age and may not exceed 60 years of age. The borrower's social security needs to be paid continuously for more than 18 months, and there can be no interruption in the middle. If there is an interruption, you can make up the payments. After all, the borrower's social security payment base needs to be more than $4,000.

In addition to the above requirements borrowers, it is also necessary that the borrower's social security payment unit must be consistent with the current work unit, do not accept third-party payment on behalf of the borrower. Personal credit is good, no overdue or very little overdue. At the same time, the number of credit inquiries is low, less than 3 times in the last two months. No other small loans under your name, or less than 3.

After meeting the basic social security loan conditions, we will introduce you to the basic calculation of social security loans. If the borrower's social security payment base is 4000-6000, the loan amount can be amplified 30 times for the monthly income; if the social security payment base is more than 6000, it is amplified 40 times according to the recognized monthly income.

In addition, the recognized monthly income = payment base 3; social security payment base, you can through the Alipay - social security services can query their own social security payments. Borrowers who have the need for social security loans, you can bring your ID card, to support the social security loan bank application can be.

The above is for "social security can loan how much money" of the relevant content to share, I hope to be able to help you!

The introduction of the supplementary payment of social security bank loans and supplementary payment of social security bank loans have an impact on the end of this, I do not know you find the information you need from it?