college student

This autumn, the amount of student loans for college students has increased. The loan amount for undergraduates and junior college students is not higher than 8000 yuan, and the maximum loan amount for graduate students is 12000 yuan. This kind of college student bank loan product does not need to pay interest during school.

postgraduate

College students' entrepreneurial loans belong to, with a maximum loan of 654.38 million yuan. The specific loan amount should be determined according to the applicant's qualifications and regional policies. In addition, this kind of college students' bank loan products can enjoy the discount policy, which is mainly aimed at recent graduates or college students within two years of graduation.

Loan Term: The small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount.

Loan mode: the way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range. For individual entrepreneurial loans with loan repayment method of 1 and loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the profits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.

Second, the amount, duration and guarantee demand of college students' loans.

Freshmen apply for loans and submit the following materials:

(1) Application Form for Student-origin Credit Student Loan of China Development Bank;

(2) The borrower's household registration book and valid ID card;

(3) the borrower's admission notice;

(4) proof of family financial difficulties;

(5) Loan student bank card discount.

Bank repayment

1. Before going to the bank, be sure to bring all the materials for handling student loans and remember the bank card password of your ID card, otherwise it will bring more trouble to your handling process;

2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

3. Go to the counter to handle the loan repayment procedures;

4. Send the repayment voucher to the relevant person in charge.

3. How long is the loan term of the student loan?

In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.