Loan assistance is a cooperative loan product between banks and the government, and it is also a kind of endowment insurance payment assistance loan. It aims to provide free, efficient and convenient old-age insurance loan guarantee and settlement services for laid-off workers who are unable to pay old-age insurance or in their personal capacity, protect the legitimate rights and interests of the above-mentioned insured persons, and inject new impetus into the sound and rapid development of county economy and society.
Persons with household registration in Nanchang, who have participated in the basic old-age insurance for urban workers and paid according to the regulations, who are within five years (including five years) from the statutory retirement age and meet the conditions of receiving basic old-age insurance in Nanchang on a monthly basis when they reach the statutory retirement age (those who have paid less than 15 years after reaching the statutory retirement age and reached the conditions of receiving pensions within five years) can be included in the scope of insurance loans.
The following seven categories of personnel can apply for loan assistance:
1. Both husband and wife are laid off and unemployed.
2. Laid-off workers from single-parent families
3, zero employment family members
4, enjoy the urban and rural minimum living security personnel
5. People who have no children and have difficulties in life.
6. Persons with disabilities and difficulties in life due to injuries.
7. Other poor people
The social security agency chooses the cooperative bank for the loan, with a total loan amount of less than 50,000 yuan (inclusive) and a repayment period of no more than 8 years, starting from the month when the insured person starts to receive the basic pension.
The loan interest borne by the insured after retirement shall be deducted directly from the insured's pension by the cooperative bank according to the agreement.
According to the policy, the flexible employment insured who has enjoyed social security subsidies may not apply for insurance loans at the same time while enjoying social security subsidies.
The loan is subject to a one-time application amount, and the loan is issued in installments according to the annual payment of endowment insurance.
In case of fraudulent use of discount loans by various means, once verified, the principal and interest of the discount loans will be recovered, and relevant legal responsibilities will be investigated according to laws and regulations.