1. Can college students get a mortgage? What should I pay attention to?
Ask the bank
Second, I am a freshman. Can I get a loan?
The loan requires a formal job and an income certificate issued by the company!
3. I am a freshman, and I have just applied for a student-origin loan, and I have got the receipt
1. The Receipt of Student-origin Credit Student Loan Contract (hereinafter referred to as "Receipt") is an important legal document of the student-origin credit student loan contract, and there must be no irregularities in the filling, otherwise the county-level financial aid office and the China Development Bank will not pass the examination. Unqualified receipts must be reissued by the financial aid office, and then collected by the parents of the students at the local financial aid office and mailed to the students and schools for confirmation and reply. Unqualified receipts will directly delay the review and disbursement of loans for about three months, which will seriously affect the issuance of loans. 2. The local education bureau or your high school opened it. Need to take the receipt to the university and give it to the person in charge. 3. Use process: (1) Borrowing students open the "Student-origin Student Loan School Receipt" at the county financial aid center; (2) Borrowing students will submit the Receipt of Student-origin Loan School to colleges and universities; (3) colleges and universities fill in the receipt number; (4) After the signing of the contract, the county financial aid center will remind the students of the loan situation. Matters needing attention in information confirmation: 1. Colleges and universities must strictly check whether the old students have obtained college student loans during their school years. If students have obtained national student loans this school year, they are not allowed to apply for student-origin credit student loans, that is, they will not confirm the receipt. 2. "Students owe tuition and accommodation fees" Colleges and universities truthfully fill in the total tuition and accommodation fees that the students actually need to pay when entering the school, excluding miscellaneous fees. Pay attention to the standardized expression and writing of numerical capitalization. 3. "Signature of the borrowing student" Here, the student must sign by himself and write down the date of the signing day. 4. "School Seal" Colleges and universities should check whether the above contents are filled in before stamping. Only after checking that there is no mistake can they stamp the official seal of the school for confirmation, and write the date of the day of stamping. Precautions: The time limit for replying is 2 working days from the date when students report to school. In principle, students are not allowed to fill in the receipt themselves.
fourth, is the student loan for freshmen ok?
No, the student loan for freshmen must have an admission notice. Materials to be provided for applying for a national student loan: 1. Application for a national student loan; 1. 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); 3. My explanation of the family's financial difficulties; 4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The student himself shall bear legal responsibility for the authenticity of the certification materials provided by him. One: the national student loan subsidy standard: the amount of loan applied for by full-time ordinary college students (including second bachelor's degree and higher vocational students, the same below) does not exceed 8, yuan per person per year; If the sum of annual tuition and accommodation fees is less than 8, yuan, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students apply for a loan amount of no more than 12, yuan per person per year; If the sum of annual tuition and accommodation fees is less than 12, yuan, the loan amount can be determined according to the sum of tuition and accommodation fees. Two: the proportion of national student loans. The national average proportion of national student loans for full-time college students should be equivalent to the proportion of national student loans in that year, and the proportion of national student loans in various regions and universities should be equivalent to that in their own regions and universities in that year. The proportion of national student loans for full-time graduate students is determined according to the coverage of national scholarships, academic scholarships and other scholarship policies and the situation of students with financial difficulties. Full-time college students are not allowed to apply for national student loans and student-origin credit student loans repeatedly in the same academic year, and they can only choose to apply for one of them. Full-time graduate students apply for the national student loan on campus in principle. Three: How to repay the student loan? (Take Alipay Apple 12, ios14 and Alipay version 1.2.3 as an example) 1. Alipay will inform you to recharge your Alipay account five days in advance according to the deduction date stipulated by CDB. Before the repayment date, you need to recharge the funds to be repaid to your Alipay account, and Alipay system will deduct the corresponding funds from your Alipay account on the deduction date and transfer them to China Development Bank! 2. Do you need to be certified to repay the student loan with Alipay account? The student loan repayment has nothing to do with whether the Alipay account is certified or not. Just recharge the funds to be repaid to your Alipay account before the repayment date specified by CDB. However, for the safety of your funds, I suggest you authenticate your Alipay account. 3. How can I determine whether my student loan has been repaid successfully? You can log in to Alipay-Transaction Records-Revenue and Expenditure Details to check.