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.