1. What are the requirements for student loans?

College students applying for credit student loans must meet the following conditions:

(1) Have full capacity for civil conduct natural person.

(2) Have a permanent residence ID card, the detailed address of the school and its department.

(3) Have the "Student ID Card", student status certificate and other relevant documents issued by the school; proof of tuition fees, living expenses and other related study expenses required during the student's study period; loan application form or related documents approved by the introducer prove.

(4) Students who meet the requirements of the loan bank, have proof of moral performance, and have no bad credit behavior.

(5) Other conditions stipulated by the lending bank.

National student loans for college students have the following repayment methods:

(1) Before students graduate, they must be paid off in one go or in installments;

(2) ) After the student graduates, his/her workplace will advance all the loans to the department that issued the loan in one lump sum;

(3) After the graduate’s internship period expires, his or her employer will repay the loan to the department within two to five years. The loan will be deducted from the salary every month;

(4) The unit where the graduate works may decide to exempt or exempt the advance loan based on his or her work performance;

(5) Regarding the loan If a student is expelled from school, ordered to withdraw from school, or voluntarily withdraws from school due to violation of national laws and school disciplines, the student's parents shall be responsible for repaying all loans.

2. What are the conditions required for an academic loan?

The conditions required for an academic loan are as follows: 1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by the law; 2. Has been Full-time general undergraduate colleges, higher vocational schools and colleges, including private colleges and independent colleges, which are approved to be established and implement higher education in accordance with relevant national regulations, including private colleges and independent colleges. The list of schools shall be based on the list announced by the Ministry of Education. Official admissions must be authentic, legal, and Freshmen or current students with valid admission notice; 3. Over 18 years old. Legal basis: Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to submit a personal loan application in writing and require the borrower to provide relevant information that can prove that the borrower meets the loan conditions. What are the conditions for applying for a student loan? 1. The applicant has full capacity for civil conduct; 2. The amount, term and currency of the loan must be reasonable; 3. The lender has the willingness and ability to repay; 4. The applicant is Full-time undergraduate and junior college students in ordinary colleges and universities include vocational students, second bachelor's degree students and graduate students; 5. Family financial difficulties.

3. What are the requirements for Zhejiang Entrepreneurship Loan and how much can you borrow?

If you want to apply for a college student entrepreneurship loan, the conditions you need to meet are:

1. Two years after graduation College students within;;

2. Big

3. Over 18 years old.

The materials that need to be submitted are:

1. Proof of identity;

2. Students currently in school must provide their student ID card and graduation certificate.

< p>3. Graduated students need to provide graduation certificates and degree certificates;

4. Common passbooks or bank card reconciliations in the past 6 months

5. Other credit certificates (if proven , community activity certificates, various honorary certificates or social education returns, etc.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the central bank. The loan interest rates of commercial banks; the loan interest rates of commercial banks to customers; inter-bank lending rates.

The factors that determine bank loan interest are:

1. Cost-benefit comparisons must be made. There are two types of bank costs: borrowing costs - business expenses.

2. Average profit rate. Interest is a subdivision of profit. The interest rate must be less than the profit rate, and the average profit rate is the highest limit of interest. /p>

3. If supply exceeds demand, loan interest rates will inevitably fall, and vice versa. In addition, loan interest rates also depend on bond income factors, political factors, etc.

However, some scholars believe that the highest limit of the interest rate should be the factor of the capital bundle interest rate, which is the ratio of the profit increase after the enterprise borrows a bank loan to the amount of borrowing compared with the loan interest rate. Just a bank loan.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. I. Bank loan interest rates fluctuate within a certain range based on the base interest rate set by the central bank.

The ratio of loan interest amount to principal amount. When determining the interest rate of a loan contract with a bank or other financial institution as the lender, the parties can only negotiate within the upper and lower limits of the interest rate stipulated by the central bank. If the loan interest rate is high, the borrower's repayment amount will increase after the loan period. On the contrary,

The loan interest rate is the main basis for both parties to the loan contract to calculate the loan interest. The loan interest rate clause is the main clause of the loan contract.

The determination of the interest rate in a loan contract with a bank or other financial institution as the lender is subject to negotiation between the parties within the upper and lower limits. If the loan interest rate agreed upon by the parties stipulates the upper limit of the interest rate, the excess portion shall be invalid; if the interest rate agreed upon by the parties is lower than the lower limit of the interest rate stipulated by the central bank, the lowest interest rate stipulated by the central bank shall prevail.

In addition, if the lender violates the central bank's regulations on other fees, the central bank should impose penalties.

Loan interest rates and deposit interest rates are high, and the difference between them is the main source of bank profits.

4. Are there any academic requirements for housing mortgage loans?

If there is a China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. There are generally no academic requirements.

Please call 95555 between 8:30-18:00 and select "2 Manual Service-"1" Personal Banking Business-"4" Personal Loan Business. Enter the manual service to provide loan purpose and city to learn more about what you need. Information.