In any case, you have never bought a house, and your name or husband and wife's name is not on any property certificate, which is considered as. Why didn't the bank approve the first loan? It depends on your reasons.

I know all the loans you mentioned.

There are two kinds of university loans: students' origin loans and national student loans. Student loans are mainly handled in your local area. After signing the loan contract, you will have a receipt, which will be filled out by the school and sent back to the required place, and the whole process of loan will be basically completed. At present, student loans are being promoted and have not been handled nationwide. Students can only borrow tuition and accommodation for one year at a time. It is much easier to apply for a loan for the first time after arriving at school. Generally, the school will open a "green channel" before you get the loan, that is, the school will lend you money first and then deduct your loan from your loan. At home, you only need to press one of the important materials, the family financial situation questionnaire. Personally, I suggest that you bring a copy of your parents' ID cards before going to school, because there are certain requirements when signing a contract with the bank at ordinary times, but don't worry, you just need to copy your parents' two ID cards on A4 paper, and bring them back to school. The school will tell you what format to print, so you can cut them out and paste them on another A4 paper. In addition, after the successful handling of the national student loan, all the tuition and accommodation fees of the university have been loaned at one time, and the procedures are as troublesome, the requirements are stricter, and the traces are filled in. If you don't know the information below the student source loan, I suggest you call the local 1 14 to get the phone number of the rescue center such as the district and county you registered before entering school for consultation. After you have prepared the materials for the national student loan, you will naturally make arrangements when you get to school. Don't worry. Notice of Chongqing Jiaotong University on Chongqing Student Source Loan (please pay attention to Article 18 of the procedures for handling student source loans) Interim Measures for the Administration of Student Source Credit Loan for Students from Poor Families in Chongqing Chapter I General Provisions Article 1 To implement the Opinions of the State Council on Establishing and Perfecting the Policy System for Students from Poor Families in Ordinary Schools (Guo Fa [2007]13), The General Office of the State Council approved the Further Opinions of the Ministry of Education of the China Banking Regulatory Commission of the People's Bank of China (Guo Ban Fa [2004] No.51No.) and the Notice of the Ministry of Finance, the Ministry of Education and the State on Developing Student-origin Credit Loan (Cai Jiao [2007]1No.35), and adhered to the principle of "facilitating loans and preventing risks". Article 2 Student-origin credit student loans (hereinafter referred to as student-origin loans) refer to student loans issued by the State Development Bank to eligible freshmen in ordinary colleges and universities and students with financial difficulties from families, and handled by the counties (autonomous counties) where the students are registered before entering the 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. Article 3 Student-origin credit student loan is an important part of national student loan, an important measure to further improve the operation mechanism of national student loan and promote the work of national student loan, and an important exploration and practice to solve the problem of schooling for students with financial difficulties by using finance, financial means and innovative financial service system. Article 4 In order to ensure the smooth progress of student loans, the Municipal Finance Bureau, the Municipal Education Commission and the Chongqing Branch of China Development Bank (hereinafter referred to as the "Municipal Branch") form the Chongqing Student Loan Leading Group (hereinafter referred to as the "Municipal Leading Group") and set up an office. Chongqing Student Loan Management Center under the Municipal Education Commission (hereinafter referred to as the Management Center) is the daily office of the leading group office, responsible for coordinating the work of student loans in the city, promoting and guiding the work of student loans in all districts and counties. Article 5 The main responsibilities of the management center are: 1. Under the leadership of the Municipal Leading Group, be responsible for the coordination and daily management of student loans of municipal departments; 2. Provide business guidance and daily management for student loans in all districts and counties; 3. Establish the information sharing mechanism of college students' loans in this city; 4. Assist the municipal branch to summarize the relevant information of each district and county; 5. Raise financial discount interest funds and risk compensation at the corresponding level according to policies and regulations, and implement financial discount interest and risk compensation at the central and district levels according to relevant regulations. Article 6 The people's governments of counties (autonomous counties) (hereinafter referred to as "county governments") shall set up corresponding leading groups and offices for student financial assistance, and the county student financial assistance management centers set up by the education administrative departments of counties (autonomous counties) (hereinafter referred to as "county financial assistance centers") are the daily offices of the leading group offices (namely, student loan agencies). County financial aid center is responsible for the daily management of student loans from local students. Article 7 The main responsibilities of district and county funding centers are: 1. Responsible for accepting student loans in the region, and conducting preliminary qualification examination for borrowing students; 2. Responsible for organizing local student loan signing, and assisting municipal branches to issue loans; 3. Assist the municipal branch in loan contract management. Establish a loan student management ledger in accordance with the provisions of the municipal branch, strengthen contact with students' families (or legal guardians), keep abreast of the trends of students' whereabouts during their school study and after graduation, do a good job in post-loan management, and collect loan principal and interest; 4 responsible for the implementation and collection of local risk compensation and financial discount funds; 5. Responsible for writing loan asset analysis report and loan account report according to the requirements of municipal branches; 6 responsible for the publicity and credit construction of student loans from local students. Eighth city branch to undertake the city's student loan business. Responsible for formulating implementation rules, implementing loan funds, approval, issuance, recovery and management, and supervising and inspecting loan business according to the spirit of relevant national documents and the requirements of the head office of China Development Bank. City Branch is responsible for entrusting designated financial institutions (hereinafter referred to as "settlement agencies") to undertake the settlement business of student loans. Article 9 Responsibilities of colleges and universities 1. In accordance with the "Guiding Opinions of the Ministry of Education and the Ministry of Finance on Conscientiously Doing a Good Job in the Identification of Students with Financial Difficulties in Colleges and Universities" (J.F.F. [2007] No.8), do a good job in verification and identification. Students from poor families can choose national student loans or student source loans independently. If a student needs to apply for a student loan, he/she shall submit identification materials and go to the county where the household registration is located before entering school; Students who need to apply for national student loans are organized by colleges and universities. 2. According to the relevant national policies and regulations, pay enough attention to the students with financial difficulties who enjoy the student-origin loan; 3. For students from poor families who have signed the student source loan contract, when applying (registering) every academic year, they can apply (register) through the "green channel" with the "receipt", and fax the "receipt" to the county student financial assistance center in time according to the regulations; 4. Incorporate students who have obtained student loans into the national student loan system of the school and implement unified management; 5. Carry out various forms of honesty education activities, strengthen honesty education for loan students, establish and improve students' honesty files, truly record students' credit information during their school days, and timely feed it back to the district and county funding centers. 6. Before the students leave school, they are responsible for urging the loan students to go through the debt confirmation procedures at the city branch; 7. When the loan students fail to complete their studies normally, such as dropping out of school, going abroad, being expelled, dying, failing to handle the debt confirmation letter as stipulated in the contract, they will not go through the relevant formalities of suspension. Chapter II Object and Conditions of Loan Article 10 The borrower refers to the students from poor families in colleges and universities who have applied for and obtained the student-origin loan approved by the municipal branch. * * * The same borrower refers to the parents (or legal guardians) of students who share the repayment obligations with the borrower. Article 11 Students applying for loans and their families shall meet the following conditions: (1) Students applying for loans are 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. According to the relevant provisions of the state, freshmen or college students who have been officially admitted to full-time undergraduate, higher vocational and junior colleges (including private colleges and independent colleges) and have obtained a true, legal and effective admission notice; 4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this district and county in principle. The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school. (2) Students' families apply for loans 1. No bad credit record; 2. Family financial difficulties should meet one of the following basic characteristics: (1) rural poor households and urban low-income households; (2) Orphans and disabled families; (3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses; (4) Family members suffering from serious diseases; (5) The creator of the main income of the family loses the ability to work for some reason; (6) Single-parent poor families without stable income; (7) Poor households in old, young, marginal, poor and remote rural areas; (8) Families where one or both parents are unemployed; (9) For other reasons, the total annual cash income of the family is less than 8,000 yuan; (10) Other poor families. Chapter III Determination of Loan Plan Article 12 Before the end of April each year, the district/county student aid center shall summarize the Pre-application Form of Chongqing Student Source Credit Student Aid Loan of China Development Bank submitted by senior high school and filled out by students taking the college entrance examination. Or college students fill in the Questionnaire on Family Financial Difficulties and the Application Form for Identifying Students with Family Financial Difficulties in Colleges and Universities, compile the pre-application list of students with credit student loans from their places of origin (in triplicate, one for each district and county funding center, municipal branch and management center), put forward the loan demand schedule and submit it to the management center, and take the initiative to connect with the municipal branch. Thirteenth management center summarizes the loan demand schedule submitted by the district and county funding centers, and notifies the municipal branch after the preliminary examination, and calculates the total student loans in the city in that year and reports them to the Municipal Finance Bureau. Chapter IV Loan Amount and Duration Article 14 The loan amount of students' origin shall not exceed the sum of tuition fees and accommodation fees charged by schools (majors). After deducting the borrower's income (including national scholarships, national inspirational scholarships, professional scholarships, social support and other income), in principle, each student does not exceed 6,000 yuan per year. Loan funds are applied once and paid once a year. Fifteenth city branch and the borrower shall stipulate the way and time of repayment of principal and interest in the loan contract. The loan interest rate shall be implemented according to the benchmark interest rate of the same grade published by the People's Bank of China at the time of signing the loan contract, and shall not rise. The borrower can repay the loan in advance, and no other fees are charged except the principal and interest payable. Sixteenth student loans are determined in principle according to the full-time undergraduate academic system plus 14 years, and the longest is not more than 14 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. The borrower's study period at school and 2 years after graduation are grace periods, and then the principal and interest of the loan will be repaid in installments according to the loan contract. Chapter V Application, Acceptance, Approval and Issuance of Loans Article 17 City branches shall sign cooperation agreements on student-origin credit student loans with the people's governments of counties (autonomous counties), and sign entrustment management agreements on student-origin credit student loans with the student financial assistance centers of counties, so as to clarify the rights and obligations of loan application, acceptance, approval and post-loan management. Article 18 Procedures for handling student loans (1) Pre-application for loans 1. College entrance examination students with loan demand fill in the Pre-application Form of Chongqing Student Credit Loan of China Development Bank; 2. Approved by (college entrance examination students) high school or university (students); 3. The district and county funding centers summarize and evaluate the eligible student loan needs, and send them to towns or streets for verification by village (neighborhood) committees; 4. Counties' Student Financial Assistance Centers shall, after summarizing, draw up a list of students who apply for loans in advance, publicize it within an appropriate scope, and report it to the leading group for approval. 5. When college students apply for loans in advance, they need to provide the Questionnaire on Family Financial Difficulties and the Application Form for Identifying Students with Family Financial Difficulties in Colleges and Universities according to the regulations of the Ministry of Education. (2) loan application 1. After obtaining the formal admission notice or registered student ID card, the pre-qualified students who intend to borrow will go to the district and county financial aid center to receive and fill in the Application Form of Chongqing Student Credit Loan of China Development Bank, and provide the following materials: (1) the borrower and its ID card and a copy; (2) proof of student status. Freshmen with university admission notice and a copy; Students studying in colleges and universities should show their student ID card and the Application Form for Identification of Students with Financial Difficulties in Colleges and Universities and the Questionnaire for Family Financial Difficulties, which are recognized by their colleges and universities. (3) the county funding center for examination and approval, the county leading group for examination and approval, the city branch summary report to the municipal management center. (3) loan approval 1. After receiving the materials submitted by all districts and counties, the municipal branch shall complete the risk assessment and loan approval within 5 working days. 2. The evaluation results of municipal branches shall be sent to the county-level funding center and the municipal management center respectively within 1 working day. (4) Contract signing 1. District and county funding centers are responsible for organizing the signing of contracts. The contract signing work shall be implemented by the municipal branch; 2. When signing the contract, the borrower and the borrower must go to the designated place in person, sign the contract on time, and bring the household registration certificate and resident ID card for inspection. (5) Lend 1. The municipal branch is responsible for lending to the county rescue center according to the contract; 2. The county aid center will transfer the loan funds to the agent settlement bank within 1 working days after the loan is issued; 3. According to the loan list provided by the district and county funding centers, the settlement bank will transfer the loan funds to the student's personal account on the same day; 4. Borrowing students should register and use contracts and receipts. Colleges and universities should promptly fax the receipt (signature) to the district and county funding centers, and after confirmation and summary, notify the settlement bank to handle the loan payment procedures; And transfer it to the university expense account. Chapter VI Loan Interest Subsidies and Risk Compensation Article 19 According to the relevant policies of the state on student loans, all the loan interests of students during their school years are subsidized by the financial department, and all the loan interests of students admitted to central colleges and universities are borne by the central finance. Students admitted to local colleges and universities who study across provinces are given financial interest subsidies by the central government; For those who study in this city, the financial discount will be borne by the municipal and district-level finance, with a sharing ratio of 8: 2. After graduation, all the interest of the borrowing students shall be borne by the students and their parents (or other legal guardians). Article 20 The risk compensation for student-origin student loans shall be determined according to 15% of the actual loan amount in the current year. For students admitted to central universities, the risk compensation shall be borne by the central finance. For students admitted to local colleges and universities to study across provinces, the risk compensation shall be borne by the central government. For students studying in this province, 50% of the risk compensation is borne by the central finance, 50% by the municipal and district finance, and the sharing ratio is 8: 2. Article 21 The agent settlement bank and the district/county financial aid center shall verify (and sign) the actual payment amount and discount amount of student loans in the current year before10.20+,and send them to the municipal branch for confirmation and summary, and then submit them to the management center. Twenty-second national student loan management center is responsible for the collection of discount funds and risk compensation for students studying in central universities and local universities across provinces. The discount interest funds and risk compensation paid by the municipal finance shall be shared by the municipal finance and the district and county finance according to the ratio of 8: 2. The part borne by the municipal finance shall be transferred to the designated account of the municipal branch through direct payment. The part undertaken by the county-level finance shall be directly allocated by the county-level finance to the designated account of the city branch. Twenty-third risk compensation is used to compensate the loss of student loans. The balance of the risk compensation after deducting the loan loss of the students' origin shall be awarded to the district and county financial assistance management center by the municipal branch; If the risk compensation is not enough to make up for the excess loan loss of the students' origin, the municipal branch and the district/county financial department shall bear 50% respectively. Chapter VII Post-loan Management and Loan Recovery Article 24 Municipal branches shall strengthen the post-loan management of students' origin loans and establish and improve the risk prevention mechanism. Twenty-fifth city branch issued student loans, responsible for the borrower's relevant information into the national unified personal credit information database management. Twenty-sixth management center to assist the city branch to establish and improve the post-loan information management mechanism for loan students, and organize district and county funding centers to collect, count and feedback relevant information in a timely manner according to the requirements of the city branch. Twenty-seventh district and county funding centers should actively assist the city branch to strengthen the post-loan management and loan collection of student loans. Article 28 If the borrower fails to complete his studies normally due to dropping out of school, going abroad, being expelled, dying, etc., and fails to confirm the debts as agreed in the contract, the borrower and the borrower shall promptly notify the district and county financial aid centers. County-level funding centers shall promptly notify the municipal sub-centers of relevant information. City branch has the right to take measures such as stopping the issuance of loans or recovering the principal and interest of loans in advance. Twenty-ninth before graduation, the borrower must go to the city branch to go through the relevant repayment confirmation procedures. Thirtieth after graduation, the borrower shall, in accordance with the contract, inform the city branch and the district/county funding center of the changes in the unit, contact address and repayment method. Thirty-first borrowers who work in different places after graduation can remit their money to the agent settlement bank designated by the municipal branch through the extension of commercial banks in different places. Chapter VIII Information Management Article 32 Municipal branches, district and county aid centers and management centers shall formulate a national information management system for student loans, properly manage information related to student loans, and implement computer management of loan information. The National Development Bank is responsible for the construction of the information management platform, and the management center should actively cooperate. Thirty-third colleges and universities should incorporate the relevant information of recent graduates who borrowed money into the "National Student Loan Student Information Management Office System" for unified management. Thirty-fourth district and county capital centers are responsible for assisting borrowers to provide relevant information needed for loans to municipal branches, and using the information management platform to implement dynamic management. Thirty-fifth district and county funding centers shall timely submit information and materials such as the progress of national student loans to the management center. Thirty-sixth management center should keep abreast of the city's national student loan application, issuance, recovery, changes, etc., and guide the loan work of district and county student financial aid institutions. Chapter IX Supplementary Provisions Article 37 Loan students have the right to choose national student loans or student-origin student loans independently, but they shall not overlap and bear corresponding legal responsibilities. Thirty-eighth approach by the Chongqing Municipal Finance Bureau, Chongqing Municipal Education Commission, the State Education Commission Chongqing Branch is responsible for the interpretation of. Article 39 These Measures shall be implemented as of the date of promulgation. The following is the information of the Student Affairs Office of Wuhan University East Lake Branch, which you can also refer to. That's about it. Source: Original author of this website: Anonymous date: September 2007 10 Visits: 3 193 Student-origin Student Loan Handling Process 1. Borrowing students receive (or download and print by themselves) 2 copies of the Application Form for Student Credit Student Loan of China Development Bank (hereinafter referred to as the Application Form). Borrowing students and their * * * co-borrower apply to the county financial aid center with the application form, legal and valid original and copy of identity certificate (household registration book or ID card, etc.). ) The original and photocopy of the college admission notice (student's ID card) for borrowing students and co-borrower students. The county student aid center handles the application for student loan on the spot, and confirms and seals the application form after passing the examination. The application form is made in duplicate, one for the county rescue center and one for the county rescue center, and submitted to China Development Bank. The county financial aid center shall file the copies of the identity certificates and school registration certificates of the borrowing students and borrowers. 3. The county student aid center organizes the borrowing students and their * * * to sign a student loan contract with the borrower, and provides the borrowing students with the receipt of the contract, which is used to prove that the borrowing students have obtained the qualification of the national student loan of the student origin of the China Development Bank when they report to the university, and fill in the tuition fees, accommodation fees, university account information and contact information of the borrowing students at the university, and confirm that the students have entered the school after affixing the official seal. After the contract is signed, the county financial aid center reminds students to open an account at the county rural credit cooperative in time. This loan contract is made in quadruplicate, including three originals and one copy. The borrower keeps one original contract (with receipt) and one copy. One original contract is filed in the county rescue center, and one original contract is kept, and finally submitted to the China Development Bank. This contract shall come into effect after the approval of China Development Bank and the formal issuance of a loan review confirmation letter to the provincial funding center. 4. After the county aid center summarizes the loan information of the students who borrow in this county, it will submit the "XX County National Student Loan Application Summary Form" to the provincial aid center and the agent bank (electronic version). 5. The correspondent bank opens a personal account for the borrowing student according to the student's application. 6, the provincial aid center received the county-level aid center "XXX county student source country student loan application summary table", the county summary table and the province intends to apply for student source credit student loan total loan submitted to the National Development Bank branch. China Development Bank implements relevant funding arrangements. 7. Borrowing students declare to the admitted colleges and universities with the student source credit loan contract (including receipt), and the colleges and universities fill in the receipt. Confirm the borrower's registration and fill in the required amount according to the tuition and accommodation fees of our school. If the total amount of tuition and accommodation fees exceeds the loan amount, it shall be filled out according to the loan amount, and the insufficient part shall be made up by the borrowing students. 8. Borrowing students will send the receipt of the national student loan (in duplicate) back to the local county student aid center. 9. The county aid center updates the Summary Form of National Student Loan Application in XX County (including electronic document 1 copy and paper document with official seal 1 copy) according to the receipt of the county, and submits the Loan Student Application Approval Form, Loan Contract and Receipt of Colleges and Universities in the order of the summary form to the provincial aid center. 10, the provincial aid center summarizes the summary tables of counties in the province and related files, and submits them to the provincial branch of China Development Bank. 1 1. The loan committee of the provincial branch of China Development Bank examines and approves the total loan amount summarized by the provincial student aid center, and issues a loan examination and approval confirmation letter to the provincial student aid center (with the official seal of "XX County National Student Loan Application Summary Form"). 12. The provincial student aid center submits the loan confirmation letter and the XX county national student loan application summary form to the handling bank through the county student aid center). 13. The agent bank receives the loan confirmation letter and the national student loan application summary table of XX county, handles the loan procedures for the borrowing students according to the operation process and withholds the funds to the accounts of various universities. 14. After receiving the above money, the school will issue corresponding receipts or invoices to the borrowing students.

Third, whether the student loan can be renewed.

I don't think so. Make things from scratch every year.