1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to guard against routine loans or usury, and you must find a formal and reliable platform. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to apply for a national student loan? Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.

How to handle college students' loans?

The application process of college student loan: student application → school preliminary examination → bank approval → both parties sign a contract → bank issues a loan → repay the loan after graduation;

First, you must submit the application materials. After understanding the relevant policies, you need to prepare the corresponding loan application materials according to the regulations, mainly including ID card, household registration book, application form, proof of family economic status, etc. And then submit the prepared materials to the financial aid center of the school.

2.？ The school conducts a preliminary examination. After receiving the loan application materials provided by the students, the school financial aid center will conduct a preliminary examination of the relevant materials to see if the students meet the application conditions.

3.？ The bank conducts a review. After the preliminary examination, the school will transfer the relevant information to the loan bank, and the loan bank will review the loan qualification.

4.？ Sign a loan contract. After the bank has approved the applicant's information, it will notify the applicant to sign a loan contract and stipulate the repayment method and time limit.

5.？ Banks issue loans. After the loan contract is signed, the bank will issue the loan to the applicant as scheduled according to the contract.

6.？ Repay the loan in time after graduation. After the applicant finishes his studies, he needs to fulfill the repayment obligation according to the loan contract. After the loan is paid off, the loan contract is automatically terminated.

Information that the student loan borrower should provide.

1. Application Form for Personal Consumption Loan of Agricultural Bank of China truthfully filled out by the borrower.

2. A valid certificate provided by the school.

3. Personal income certificate of the owner of the real estate.

4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, the list of pledged goods, the certificate that the person with the right of disposition agrees to mortgage and pledge, the certificate of ownership or use right of the collateral, the identification and insurance documents, the certificate of pledge right and the document that the guarantor agrees to guarantee shall be submitted.

5. If the repayment guarantee is in the form of insurance with an insurance company, it shall submit a written commitment from the insurance company to handle the installment repayment of consumer loan insurance.

6, has been deposited in the loan bank not less than the prescribed proportion of the total tuition and fees, notary fees, insurance premiums and other deposit certificates.

7. The authorization letter for the transfer of funds by the entrusted loan bank shall stipulate that after the loan contract signed by the loan bank and the borrower comes into effect, the loan bank can directly transfer the funds from the borrower's deposit account to the designated payee.

Reference materials; Student loan. Baidu baike

How to borrow a student loan?

government-subsidized student loans

(A) the national student loan application process

The application process of national student loan: student application → school preliminary examination → bank approval → signing a contract between the two parties → bank granting loans → repayment of loans after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

(B), the conditions for applying for national student loans

Conditions for applying for national student loans: full capacity for civil conduct (minors must obtain the written consent of their legal guardians); Honest and trustworthy, law-abiding, no violations of law; Study hard and be able to complete your studies normally; Due to family difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies; Approved by the school; Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.

(3), apply for national student loan materials

Materials for applying for the national student loan: provide the necessary information about my family's financial situation (generally including my written application, family financial situation questionnaire, proof of difficulties at street or township level or above, guarantor's guarantee and my actual performance, etc. ), promise the repayment liability clause, and provide the repayment guarantor.

What is the loan process of college students' loans?

For the first time, it is generally necessary for the borrower, his parents or other legal guardians as the borrower to go to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the household registration is located for on-site confirmation. If it is a loan renewal, you can choose a new loan on the loan page of the student online service system of the student loan information network of China Development Bank, then update your personal information and submit a loan renewal statement.

University student loan process

Loan students need to register in the student online service system, fill in the application online, then print out the application form and sign it by themselves; The application form needs to be signed and sealed by the department leaders and the leaders of the funding center; Loan students bring application forms and other materials to the aid center to sign student loan contracts.

If it is a loan renewal, you need to go to the student online service system to submit a loan renewal statement. Students who renew their loans must log in to the student online service system at least twice a year and maintain the relationship, otherwise the application for renewal of loans will fail.

Specific methods of applying for student loans

1. First, apply to the school for a national student loan, log in to the student credit student loan system, fill in the application form online, and print it out after completion;

2. Provide the school with a complete student loan application form stamped by the village committee and the township street civil affairs department, and provide valid identity documents, household registration books and other materials;

3. After receiving the loan application materials, the school will conduct qualification examination;

4. After the examination and approval, students and * * * borrowers need to bring relevant materials, go through the formalities of student loan with relevant departments, sign a loan contract, and then wait for the loan bank to lend money.