One. student loan
1, application conditions
The national student loan is applicable to full-time undergraduate and junior college students with financial difficulties studying in institutions of higher learning in People's Republic of China (PRC) (China) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province). At the same time, students applying for loans must also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no illegal acts; ③ Good academic performance; (4) The income earned during the school period is not enough to pay the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ Honesty and trustworthiness; ⑥ Being able to provide guarantees that meet the requirements of banks; ⑦ Open a current savings account in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.
2. Application process
Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their schools, and banks do not directly accept students' individual loan applications), receive the Application Form for National Student Loans, the Commitment Letter for Applying for National Student Loans and other related materials, and fill them out truthfully. According to the students' difficulties and the loan amount determined by the state, the school will examine the students' qualifications for applying for loans and send them to the handling bank for approval. After that, the bank will sign a loan with the students. For some students whose families are particularly difficult to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for approval, the handling bank will handle the loan formalities according to the regulations.
3. Students applying for loans must also provide the following materials truthfully:
(1) My valid identity certificate and photocopy (minors must provide valid identity certificate of legal guardian and written proof that the parties agree to the loan).
(2) Provide proof of income of major family members or income obtained through other channels.
(3) If the guarantor is a natural person, it is required to provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, income certificate and proof of agreeing to guarantee for the borrower; If legal person guarantee is adopted, a copy of the legal person business license of the guarantor, the financial statements of the last year and the certificate of agreeing to provide guarantee for the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided. Since 2000, the school will relax the procedures for poor students' grant loans and simplify the procedures without a guarantor. Only the applicant and the bank need to sign a legally binding agreement to clarify the rights and obligations of both parties. )
Second, the interest-free commercial loan scheme.
1. Applying for an interest-free venture loan mainly meets the following conditions:
1), at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and a fixed residence or business premises.
2) The lender must hold a business license related to industrial and commercial administration, engage in legal production and business activities, and have the ability to stabilize income and repay the principal and interest;
3) The purpose of the loan conforms to national laws and bank credit policies;
4) In the project, there is a certain amount of free funds. And opened a settlement account in the applicant bank, and the operating income will be settled by the bank in the future.
2. Application steps:
After meeting the application conditions for venture loan, the applicant submits an application to the Personnel Bureau with relevant materials, and the person in charge of the Personnel Bureau conducts a preliminary examination. After the preliminary examination, the personnel bureau will issue the form and evaluate the applicant's entrepreneurial ability. After the preliminary examination is passed, the local personnel bureau will examine the applicant and submit it to the local area for guarantee. Guarantee to the applicant, the applicant carries the above information to the bank for approval. After the approval, you can sign an agreement to handle the loan.