The Agricultural Bank of Qi City can handle pension loans. Five major banks, such as Postal Bank and Agricultural Bank, can handle loans for retirees. Generally, you can get a loan with your ID card, retirement certificate and retirement salary, but you can't be over 60 years old. You can consult more banks, or you can consider Ping An Pratt & Whitney, 18 to 65-year-old natural person, loan in Agricultural Bank of China in duplicate, sealed by the unit or neighborhood Committee, and loan business conditions.

Letter of credit clause

There is no distinction between cadres and workers in the calculation of pensions. Women who borrow money retire at the age of 50, and then the bank issues loans. Natural persons aged 65,438+08-60 can borrow money with retirement certificates and retirement wages. At present, they can apply for NetJet loan through online banking, but the social security card is not a small consumer loan issued by the bank, and it will not be a self-help letter from the Bank of China. Guarantee or the combination of the above three guarantee methods. Fast arrival, the competent unit is the human resources and labor security department.

Can I get a loan with retirement pension insurance?

It's hard to say. Some banks can get loans, while others can't. Different banks have different rules. Explain in detail below:

1, some banks can extend the loan age to 65 to 70 years old, and you can use your pension to apply for loans in some banks;

2. Consult several banks, but your loan amount may be relatively small, because your monthly income must be twice the monthly repayment amount;

3. Your monthly repayment is 3,000 yuan, and the maximum monthly repayment is 1500 yuan. If you borrow 10 years, the total repayment amount should be180,000 yuan. In this way, you can borrow about100000 at most, which is the limit. Different banks have different rules.

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

Endowment insurance is an important part of social security system and one of the five most important social insurances. The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life.

Can individual endowment insurance be loaned?

Endowment insurance cannot be loaned, but if it is commercial endowment insurance, it can be loaned.

Commercial endowment insurance is a kind of commercial insurance with human life or body as the insurance object. When the insured retires in old age or the insurance period expires, the insurance company will pay the pension according to the contract.

After paying a certain premium, the insured of commercial endowment insurance can start to receive pension from a certain age. In this way, although the income of the insured is reduced after retirement, he can still maintain his pre-retirement living standard with the help of the pension.

Extended data:

Materials to be prepared for the loan:

1, valid personal identification;

2. Proof of permanent residence or valid residence and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement.