The maximum amount of interest-free loans for college students can be borrowed
One hundred thousand yuan
1. The maximum amount of interest-free loans for college students
College students can apply for interest-free loans if they meet the following conditions: they are legal citizens over 18 years old, engaged in legitimate production and business projects, have a certain amount of liquidity, and have their own fixed residence or place of work. wait.
The loan amount sometimes depends on your project. Generally, you can borrow 70% of the required amount. The term is usually 2 years and the longest is no more than 3 years.
2. The maximum amount of personal loans that can be borrowed
Generally, the maximum bank personal loan does not exceed 50,000 yuan. How much money can ordinary professionals borrow from banks? Banks will conduct a comprehensive review of users. For professional groups such as civil servants, teachers, and doctors, the requirements are relatively loose. If the applicant has a property in his name, the loan amount will be higher. If you don’t have a job and don’t own a house, it will be difficult to get a loan from a bank.
3. What materials are needed for a personal loan
1. The following materials are required for personal consumption loan application
(1) Copies of the borrower’s ID card and household register (identity verification and filing);
(2) Copy of the borrower’s marriage certificate (family background investigation);
(3) Proof of the borrower’s income (the bank’s verification of the loan (reference for the borrower's repayment ability);
(4) Documents proving the borrower's work and academic qualifications and professional titles (reference for the bank's repayment ability);
(5) Loan Proof of opening a personal settlement account at a credit union (establishing a convenient channel for withdrawals and loan repayments);
(6) Borrower’s personal credit report (review of the applicant’s historical credit record, usually the bank will A dedicated person will review this item).
2. Information required for personal production and operation loans
(1) Business license, business license and other relevant information for production and operation;
(2 )***Copy of identity certificate of the same operator;
(3) Business tax certificate.
3. Personal car loans and student loans are provided according to the "Personal Loan Application Materials List"
In addition, in different regions, each bank has different requirements for loan issuance conditions. Different, the above conditions are for reference only, and the specific requirements are based on the requirements of the loan bank.
Currently there are three most common methods for applying for personal loans: bank loans, lending institutions, and formal lending institutions. No matter which method the borrower chooses to apply for a personal loan, these basic conditions need to be met: 1. Can provide valid proof of identity; 2. Have stable income and can provide proof of income; 3. Can provide proof of residence and marriage; 4. , personal credit is good.
Among the above personal loan conditions, the most important ones are proof of income and personal credit. If the borrower has unstable income or has a bad credit record, there is a possibility of being "rejected" by the bank. However, we need to remind everyone that personal unsecured interest rates are higher than mortgage loans, so if you can provide collateral that meets the bank's requirements, you can choose to apply for a mortgage loan
What is the maximum loan amount for college students to start a business
Entrepreneurial loans for college students all fall into this category, and the loan amount is not high, generally controlled within tens of thousands of yuan. When applying for a business loan, student borrowers need a guarantor to guarantee themselves. The guarantor is required to have good financial ability and credit. When assessing the amount of a student loan, usually the better the qualifications of the guarantor, the higher the loan amount that the student can obtain. At the same time, the student's entrepreneurial project, the student's performance during school, etc. will all affect the amount of entrepreneurial loans he can apply for.
Maximum limit of entrepreneurial loans for college students - Shanghai
In order to stimulate graduates to start their own businesses, Shanghai has specially set up an "angel fund" for college students to start their own businesses. The maximum "angel fund" for college students' entrepreneurship is 300,000 yuan, and college students can receive 50,000 to 300,000 yuan in support for starting a business.
The "Entrepreneurship Eagle Program" provides funding to entrepreneurs and individual entrepreneurial projects not exceeding RMB 200,000.
The funding amount of the "Entrepreneurial Eagle Plan" shall not exceed 500,000 yuan.
The upper limit of entrepreneurial loans for college students - Chongqing
College graduates who have not been employed for more than half a year and have a fixed household registration can register with the neighborhood committee where their household registration is located and apply for a bank loan of 3,000 to 4,000 yuan. Mortgages and guaranteed loans; in addition, in order to adapt to the changes in the employment situation of college and technical secondary school students, Chongqing has launched measures such as self-employment of college students in the past two years, and equal opening of employment resources and job markets to local and non-local students. Students create more job opportunities.
The upper limit of entrepreneurial loans for college students - Taiyuan
Registered unemployed college graduates in Taiyuan City who want to start their own business can apply for a small guaranteed loan of no more than 50,000 yuan.
Maximum limit of entrepreneurial loans for college students - Fujian
College graduates who start their own businesses can enjoy small guaranteed loans and other forms of interest discount policies, with the maximum discount loan amount being 50,000 yuan.
Maximum limit of entrepreneurial loans for college students - Qingdao
Qingdao allocated 10 million yuan to establish the "Qingdao College Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. College graduates who start their own businesses can apply for small guaranteed loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the financial department at the same level will provide a full interest discount; for teams of two or more starting a business, the interest rate can be relaxed to 200,000 yuan.
When college students registered in Dongguan apply for self-employment or self-employment, and the borrower provides a valid mortgage (pledge) counter-guarantee, the guaranteed loan amount shall not exceed 80,000 yuan (including 80,000 yuan); the borrower provides If a third party with a fixed income source acts as a joint liability guarantee for counter-guarantee, the guaranteed loan amount shall not exceed 50,000 yuan (including 50,000 yuan); if the borrower cannot provide a counter-guarantee, the guaranteed loan amount shall not exceed 30,000 yuan (including 30,000 yuan). ). For small and medium-sized enterprises operating in partnership or organized together, the guaranteed loan amounts are 200,000 yuan, 150,000 yuan and 100,000 yuan respectively, depending on the counter-guarantee provided by the borrower. The term of a secured loan generally does not exceed two years.
How much can college students borrow in student loans?
The loan amount per student for undergraduate students shall not exceed 8,000 yuan per year, and for postgraduate students shall not exceed 12,000 yuan per year. The loan amount can be determined based on the total of tuition and accommodation fees.
1. Application time and deadline: please consult the local funding center. Times vary from place to place.
2. Application conditions: Admitted to a full-time general college that the China Development Bank can provide student loans, and meets the family's financial difficulties.
3. Application materials: Take the application form to any unit in the high school, village (neighborhood) committee, or township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, household registration book, admission notice, application form and other materials as well as the ID card and household registration book of *** and the borrower (place of origin), and go to the county-level financial aid with *** and the borrower The center handles loan applications.
4. Loan renewal: Either I or *** and the borrower can bring their ID card and application form signed by me to the county financial aid center to go through the loan renewal procedures. There is no qualification review required for loan renewal, that is, the application form does not need to be stamped.
Extended information:
"Management Measures of the People's Bank of China for Student Loans":
Article 6 The maximum limit of student loans shall not exceed the student's current location during the period of study. School tuition and living expenses.
Article 7 The term of student loans generally does not exceed eight years, and whether to extend the period shall be determined by the lender and the borrower.
Article 8 The interest rate for student loans shall be based on the loan interest rate for the same term stipulated by the People's Bank of China and shall not rise.
Article 9 student loans adopt a flexible principal and interest payment method. The loan can be repaid in advance, or the interest can be paid off along with the principal, or repaid in installments (annually, quarterly or monthly). The specific method is Agreed by the lender and borrower and included in the contract. If the principal and interest of the loan are repaid in advance, interest will be charged on the portion returned in advance based on the interest rate stipulated in the contract and the actual usage time; if the principal and interest of the loan cannot be repaid on time, the lender will charge penalty interest in accordance with regulations.
Article 10: If governments at all levels and all sectors of society provide guarantees or interest subsidies to borrowers, the interest discount ratio and interest discount time shall be agreed upon by the lender or the borrower's school and the interest discount provider.
Article 11 Borrowers must abide by their credit. If they leave school for various reasons, they should proactively inform the lender of their latest communication methods and workplace, and repay the principal and interest of the loan on schedule.
Article 12 Colleges and universities shall assist current students in applying for student loans and the management of lenders’ issuance and recovery of student loans. If the borrower transfers, suspends, drops out, goes abroad, is expelled, or is injured or killed while in school, the borrower's school is obliged to notify the lender in a timely manner.