What does marriage and childbirth loan mean?
Marriage and childbirth loans are actually prepared for some married couples. Nowadays, the cost of getting married and having children is getting higher and higher, and many people delay getting married because of lack of money. Some areas have introduced marriage and childbirth loans, allowing banks to provide credit support for marriage and childbirth.
Banks can provide marriage and childbearing consumption loans of up to 200,000 yuan for registered couples who meet the relevant conditions, and give different interest rate cuts according to the birth of one child, two children and three children. In addition, families with two children and three children are exempt from value-added tax if they want to establish small and micro enterprises with monthly sales below 6.5438+0.5 million yuan.
Marriage and childbirth loans are also consumer loans. When the borrower submits an application, it does not need to provide any mortgage or guarantee, and can apply for a loan only based on the credit status of both husband and wife.
However, we should remind everyone that although the loan is convenient, the borrower still needs to bear the pressure of repayment. Only by establishing good consumption concepts and values can borrowers reasonably control their income and expenditure. Especially for small married families, we must have a reasonable consumption concept and avoid overdue.
Once the bank loans overdue, the borrower will not only be collected, but also bear a high penalty interest, and even be sued. Everyone must remember to repay on time and borrow reasonably.
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