You can apply for a student loan, and the specific methods are as follows:

I. Online service system for registered students:

Log on to the National Development Bank's student-origin student loan information network (www, csls, cdb, com, cn) and register the student-origin student-origin online service system (student-origin);

Second, fill in the application form:

Fill in the application form online, export and print it after filling it out, and sign it by the borrowing student himself;

Third, build official seal:

The application form needs the official seal of the qualification examination unit. General qualification examination units include village (neighborhood) committees, township (street) civil affairs departments or any unit that originally graduated from high school. Please consult the county aid center where your household registration is located. Note: No official seal is required for pre-application of senior high school.

Four, the required materials:

1. application form signed and stamped by the borrowing student;

2. The original and photocopy of the borrower and the borrower's ID card;

3. A copy of the admission notice or student ID card;

4. Original residence booklet; Note: if the student and the borrower are not in the same household registration book, the original household registration books of both parties are required;

Verb (abbreviation for verb) sign a contract:

Borrowing students and * * * bring the materials needed by the borrower to the county-level help center where the household registration is located to sign the contract and receive the receipt.

Six, submit the receipt:

Borrowing students will give the receipt to the university teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10.

Tips: If the original student ID card is lost, it can be reissued with the student ID card issued by the university, and the county-level financial aid center keeps the original student ID card. Students can log on to the student loan information network of China Development Bank and click on the introduction of student loan on the left side of the online service system of students' origin to view the scope of student loan.

How do college students get loans?

College students can borrow money in the following ways:

1. Apply for loans from banks and other financial institutions according to law;

2. Submit materials to prove my loan purpose and repayment ability;

3. The lending institution will review it, and if it passes, you can apply for a loan.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest:

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period;

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

How do college students get loans? What are the conditions?

First, the conditions for applying for student-origin credit student loans should be met.

1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.

2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.

3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).

4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:

(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).

(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).

(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).

(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).

(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).

(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).

(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).

(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).

Two, apply for student credit loan materials should be submitted.

1. Freshmen apply for loans and submit the following materials:

(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals).

(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).

(3) The borrower's admission notice (show the original and hand in 2 copies).

(4) Proof of family financial difficulties (1 original and copy).

(5) Bank card discount handled by the borrowing students at the local postal savings office (show the original for future reference and hand in 2 copies).

2, college students apply for a loan for the first time, submit the following materials:

(1) Borrower's household registration book and valid ID card (show the original and submit 2 copies).

(2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).

(3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#

(4) Proof of family financial difficulties (1 original and copy).

(5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies).

(6) Borrowing students show their student ID cards and hand in 2 copies.

3. When college students apply for loans for the first time (in 2008 and 2009, and in 20 10, they apply for renewal of loans), they shall submit the following materials:

(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic version of U disk, 2 original paper copies).

(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).

(3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).

(4) Borrowing students show their student ID cards and submit 1 copy.

Extended data:

There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.