Loans available to students include national student loans and student source loans. At the time of application, students must be full-time undergraduates, junior college students (including higher vocational colleges), graduate students and students with financial difficulties studying for the second bachelor's degree. And the written consent of the guardian must be obtained when applying for a loan.

Conditions for applying for national student loans: Full-time undergraduates (including vocational college students), second-degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:

(1) Family financial difficulties;

(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;

(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

4. Honest and trustworthy, law-abiding, no illegal behavior;

⑤ Study hard and you can finish your studies normally.

Application conditions of student-origin credit student loan: 1. Have China nationality; 2. Honest and trustworthy, law-abiding; 3. Freshmen, postgraduates and students with a second bachelor's degree who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, 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 the same county (city, district); The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.

After students apply for student loans, they have to pay different interest during their school days. The maximum loan amount for each student to apply for a student loan each year cannot exceed 8,000 yuan, and the longest time for a student loan cannot exceed 8 years. But they need to repay the loan in time after graduation and charge interest after graduation.

When applying for a student loan, users need to submit the loan application form, a copy of student ID card and resident ID card, a description of family financial difficulties and other materials. Students can submit student loans after entering the school, and then the school will review them, including schools and banks; After the approval, the school will organize students to sign a loan contract, and it usually takes 20 working days to get the loan after the contract is signed.

Student loans can be repaid through Alipay and banks in the later stage. When repaying money, users can choose the way that suits them. Generally, the repayment shall be made before the date of 10 every month. If the borrower repays the loan through the bank counter, he needs to bring all kinds of materials when handling the student loan to the bank outlet to go through the relevant procedures.

Second, the interest-free loan policy for college students

The interest-free loan policy for college students is a preferential policy for college graduates who are interested in starting a business. In order to encourage college students to start their own businesses and promote employment and economic development, the interest on college students' loans is subsidized by local finance to banks. It is interest-free, which is interest-bearing compared with banks. However, the state has issued relevant policies to encourage entrepreneurship and promote employment, and the interest is paid by the finance.

Loan quota requirements: the state provides small-scale entrepreneurial loans for college graduates for 0-2 years, and will no longer enjoy the quota requirements after 2 years.

The longest loan term is 1 year, which shall not exceed the liquidity required by the borrower for normal production and operation activities and the liquidity for purchasing (installing or repairing) small equipment (machines and tools); The interest rate of fixed-term loans issued by the government can fluctuate within the prescribed range.

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. Student-origin student loan refers to the student loan issued by the National Development Bank to eligible students with financial difficulties and students at school, which is handled before the students enter school.

The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. An important part of student-origin credit aid.

The national student loan is only a guarantee or mortgage, but it needs to be promised to repay on time and bear relevant legal responsibilities. The loan funds are mainly used for student payment and accommodation. The following is a detailed introduction to the policy details of college student loans for you.

The new policy will change the current practice of paying off the loan principal within four years from the date of graduation, and implement the practice of paying off the loan principal within 1 2 years after graduation depending on the employment situation.

The new policy stipulates that in the next 1 year, an application for adjusting the repayment plan can be submitted to the bank, and the handling bank shall accept it and make reasonable adjustments according to the actual situation and relevant regulations.

For students who fail to repay the national student loan within the agreed time limit and amount, penalty interest will be charged according to the amount, and their breach of contract will be recorded in the credit information system of financial institutions, and financial institutions will no longer handle new loans for them.

Provide the borrower's name, citizen's ID number and graduation school department who has been in arrears for more than one year and has not contacted the handling bank on schedule.

The National Student Loan Management Center will further improve the information management and post-loan tracking management of borrowing students, and accept the inquiries of the handling banks about the information of borrowing students; The list of students who have defaulted on loans provided by the handling bank will be published in the news media and the website of the national college graduates' academic qualifications inquiry system.

Borrowing students can repay national student loans in two ways: banks usually design two repayment methods for borrowing students: matching principal and interest repayment method and average capital repayment method.

Matching principal and interest repayment method: the amount of principal and interest in each period is equal, and the repayment pressure is evenly distributed; The repayment method of average capital, the initial repayment amount is large, the later repayment amount is small, and the repayment pressure is tight first and then loose. The total principal and interest paid by the equal principal and interest repayment method is slightly higher than that by the average capital repayment method.