Does the Social Security Bureau have any personal business loan retirees to guarantee?

1. Can the Social Security Bureau guarantee personal business loans for retirees?

It seems that the Social Security Bureau does not have a "personal venture loan", but it does have a "new venture subsidy". Apply to the social security bureau with a business license.

2. What are the conditions for the Social Security Bureau to apply for an interest-free loan with its business license? Can a legal person apply for mortgage?

Don't understand = =!

3. What are the conditions for the social security bureau to start a business loan?

1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises.

2. The loan applicant must be 18-50 years old.

You must be unemployed for 6 months before you can apply.

4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.

The applicant's investment projects require him to have some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

6. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

7. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

8. Other loan conditions stipulated by the relevant lending bank.

Under normal circumstances, the social security project paid by enterprises for employees is "five insurances and one gold". "Five insurances" include endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and "one gold" is the housing accumulation fund. Because social security is required by the state to be paid by enterprises to employees, the payment of social security can directly reflect the applicant's work situation.

It is worth noting that paying social security will not affect the applicant's loan amount. The specific loan amount that an applicant can apply for is directly related to the income level of the applicant. If the personal credit record is good, the bank will give a higher loan amount, which can generally reach about 8- 10 times of the personal salary.

What are the social security loan conditions?

Applying for a loan with a social security card requires the borrower to have a certain repayment ability. If the borrower applies for a credit loan, then the borrower has worked in the current unit for more than half a year, with a monthly income of more than 3,000 yuan and a good personal credit record. If the borrower applies for a mortgage loan, he must have collateral as collateral and have a good credit record. Collateral should meet the qualifications and conditions of mortgage, and at the same time have a mortgage amount.

Fourth, do commercial loans need to pay personal social security or corporate social security?

Enterprise social security is needed for starting a business loan. Because social security is required by the state to be paid by enterprises to employees, the payment of social security can directly reflect the applicant's work situation. It is worth noting that paying social security will not affect the applicant's loan amount. The specific loan amount that an applicant can apply for is directly related to the income level of the applicant.

If the personal credit record is good, the bank will give a higher loan amount, which can generally reach about 8- 10 times of the personal salary. What are the conditions for social security loans? The use of social security card loans requires the borrower to have a certain repayment ability. If the borrower applies for a credit loan, then the borrower has worked in the current unit for more than half a year, with a monthly income of more than 3,000 yuan and a good personal credit record.

If the borrower applies for a mortgage loan, he must have collateral as collateral and have a good credit record. Collateral should meet the qualifications and conditions of mortgage, and at the same time have a mortgage amount.

Conditions for opening commercial loans:

1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises.

2. The loan applicant must be 18-50 years old.

You must be unemployed for 6 months before you can apply.

4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.