At present, college students' personal loans mainly include student loans, business loans and consumer loans.
I. Scholarship loans
Student loan is to use the national student loan risk compensation balance reward funds and social donation student funds to help particularly difficult graduate students. Students applying for student loans need to meet the following conditions: family financial difficulties; At least 16 years old, holding a resident identity card and having full capacity for civil conduct (in which minors need the consent of their legal guardians to apply for loans); Honest and trustworthy, law-abiding, study hard and complete your studies normally.
Application materials for student loans: application for national student loans; Copy of ID card (minors need to provide legal guardian's ID card and loan consent); Description of family financial difficulties.
Process of applying for a student loan: prepare relevant materials needed for the loan; The school examines and seals it, and then forwards it to the bank; Loan approval; National student loan issuance; Go through the repayment confirmation formalities upon graduation.
Second, the venture loan
Loan requirements: at least 18 years old, able to provide proof of identity and residence, and have a fixed residence and business premises; Be able to provide business licenses and business licenses, engage in normal production and business activities and have a certain income; Having certain self-owned funds, the loan cannot be used for equity investment.
Loan amount: among individual business loans, there are different provisions on the loan amount of individual business loans for college students and youth business loans. The maximum amount of college students' entrepreneurial loans in Shanghai is 300,000 yuan, and that in Taiyuan is no more than 50,000 yuan. Beijing can borrow up to 500 thousand. Before suggesting a loan, first understand the local policies and regulations of the loan.
Handling process: the borrower prepares relevant materials and applies to the college student entrepreneurship loan applicant and the college student pioneer park management service center. The management service center of college students' pioneer park conducts the first trial, and the Personnel Bureau and the Finance Bureau conduct the second audit to determine the loan amount. The unit or community publicity. If there is no objection to the formula, the personnel bureau will issue a notice. According to the notice, the Finance Bureau allocated funds.
Third, consumer loans.
If students apply for loans for personal consumption rather than finishing their studies or starting a business, it is more difficult to apply. Because lending institutions have requirements for the repayment ability of applicants.