Students only borrow tuition and accommodation fees, which cannot exceed 6000 yuan. If the tuition has been paid, you can't borrow it.

If the loan application is successful, ask the college leaders to confirm and sign when you go back to school, get the receipt, send it home, and ask your family to give it to the bank (credit union) where you applied. The bank (credit union) will lend money directly to the school through your account, and the money will not be given to you.

Second, how do freshmen get loans

How do college students borrow money from banks?

First, student loans. If students apply for student loans, they can apply to local banks, and of course, they can also ask schools to apply for national student loans on their behalf. Student loans are policy loans and enjoy certain loan interest discounts.

Second, venture loans. If students want to start their own business instead of finishing their studies, they can apply for a business loan. Of course, only qualified students can apply. For example, he must have a college degree, and he still has no job six months after graduation.

Third, consumer loans. If students apply for loans for personal consumption rather than finishing their studies or starting a business, it is more difficult to apply. Because lending institutions have requirements for the repayment ability of applicants.

How do college students borrow money from banks? What are the requirements for college students' loans?

Banks generally need three conditions to provide loans: pledge, mortgage and guarantee. If your parents or relatives have better jobs and stable income, it will be an excellent credit resource.

(1) Identity documents (including the original resident ID card, household registration book or other valid residence permit) and proof of marital status of college student loan applicants and their spouses;

(2) Proof of repayment ability of the student loan applicant's personal or family income and property status;

(3) the business license of the college student loan applicant and the business license of related industries, as well as the relevant agreements, contracts or other materials for the purpose of the loan;

(4) Guarantee materials for college students' loan applicants: ownership certificate and list of collateral or pledge, certificate that the person with the right to dispose of it agrees to mortgage (pledge), and mortgage (pledge) appraisal report issued by the appraisal department recognized by the bank.

Third, how do freshmen get loans?

Conditions for applying for a student loan To apply for a national student loan, the following six conditions should be met: (1) Full capacity for civil conduct (minors need the written consent of their legal guardians); (2) Honest and trustworthy, law-abiding, no illegal acts; (3) Good academic performance and being able to complete their studies normally; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and living expenses) needed to complete their studies; (5) Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations; (six) meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.

The amount of national student loan that students can get.

Because the tuition and accommodation fees charged by different schools and the basic living standards in different regions are different, the maximum amount of student loans is not exactly the same. According to the current policy, students can apply for national student loans, and the maximum amount of each student per academic year is no more than 6,000 yuan.

Term of national student loan

The term of the national student loan is generally not more than eight years, and whether to postpone it is decided by the lender and the borrower through consultation. If a loan student continues to study for a postgraduate degree or a second degree after graduation, the loan period will be extended accordingly, and the principal and interest of the loan will be paid off within four years after graduation from a postgraduate degree or a second degree. According to the student's application, the handling bank specifically determines the term of each loan.

Where can students apply for a national student loan?

Banks do not directly accept loan applications from students at school. In principle, the loan bank accepts an application for national student loans once a year. Borrowing students should submit a loan application to the designated department of the school (usually the student office) before and after the start of the new school year 10, and receive and truthfully fill in the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials. When granting credit student loans to college students, the student's school must provide loan references, and the borrower must provide two loan witnesses.

What if students need to adjust the loan amount or suspend the loan during the loan period?

Once the loan amount of the borrowing student is determined, it will generally remain unchanged during the loan period. If the loan is suspended midway, you can apply to the handling bank for suspension of loan issuance through the school. Special circumstances require additional loan lines, and additional loan procedures can be handled separately.

Repayment method and time of national student loan

Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. Implement flexible debt service. Borrowing students can repay the principal and interest of the national student loan during their studies, or they can start to repay the principal and interest of the national student loan in the first year after graduation. The specific way is determined by the borrowing students and the handling bank through consultation. The handling bank will not compound interest on the national student loans owed by the borrowing students during their school days.

Fourth, how do freshmen get loans?

Treatment method:

1, which is an application for a national student loan.

2, the school student financial aid and other departments to apply for student loans for qualification examination, the bank is responsible for the final examination and approval of student loan applications.

3. The school organizes students to fill in and sign loan contracts and IOUs.

Proportion of national student loans:

The national average subsidy ratio of student loans should be the same as that of state grants in that year, and the ratio should be comparable to that of local and this high example. Determine the full-time postgraduate national student loan scholarships and other awards to help political students.

Full-time college students are not allowed to repeatedly apply for national student loans and credit loans for seed cultivation students in the same academic year. Original full-time postgraduate loan.

Refer to the above content: Baidu Encyclopedia-Student Loan