The first category is student loans.
Student loans, state loans and commercial loans are all aimed at students. The application conditions for student-origin student loans are very simple. As long as the borrower's family is poor, there is a poverty certificate issued by the local neighborhood Committee or village Committee, and there is a college admission notice or a certificate of study, you can apply. Starting from this year, students who apply for student-origin student loans or national student loans can get a maximum of 8,000 yuan.
If borrowing students need to apply for commercial student loans, they usually need to provide real estate or cars as collateral. This situation is more suitable for adults who enter colleges and universities for the second time, but not for poor students who study in colleges and universities for the first time.
The second category, venture loans.
Venture loans are mostly suitable for fresh graduates, mainly to encourage fresh graduates to start businesses.
To apply for business start-up loans, different regions have different requirements, but most applications need to meet the basic conditions, including: 1, business start-up projects and business licenses; 2. It is very important for the borrower to have certain project start-up funds; 3. The borrower has good conduct and good credit, and is eligible to apply for a loan. Those who meet the above basic conditions and the provisions of relevant local departments may apply for venture loans.
The third category, consumer finance companies.
For example, if you borrow money to buy a mobile phone or computer, you can apply for a loan directly through a local consumer finance company or loan company. When applying, the borrower needs to provide identity certificate and student ID card, and repay the loan in time after applying for the loan. Otherwise, there will be higher penalty interest and other effects. In severe cases, it may affect the inability to complete studies in the future.
Therefore, for students and friends, even if they encounter financial problems, they can apply for loans. However, we still need to be cautious in the choice of lending institutions. In addition to distinguishing whether lending institutions are formal or not, we also need to consider the issue of interest. After all, students' repayment ability is weak, and if there is a phenomenon of being unable to repay, it will still bring them some trouble.