Student loan is a national student loan. When college students apply for national student loans, they must provide an application form for national student loans, a copy of their parents' ID cards, a copy of their student ID cards, a permanent resident registration card (household registration book) and a certificate of family economic status issued by the civil affairs department of the township or street where their families are located.

Second, how to get a college student loan from Lanzhou Bank

Lanzhou Bank's college student loan process is as follows:

1. The applicant should first open a repayment account with Lanzhou Bank and open online banking services;

2. Then fill in the application form for college students' loan, indicating the purpose of the loan and the repayment period;

3. Lanzhou Bank conducts a loan investigation on the applicant, mainly checking whether the information is true and effective;

4. To apply for a student loan, you need to issue a school certificate and the approval of the China Development Bank. To apply for a student loan, you need to issue a certificate of unemployment registration from the Social Security Bureau.

5. Lanzhou Bank Sub-branch gives the approval result of the loan application;

6. Lanzhou Bank signed a loan contract with the applicant, stipulating the loan interest, term and repayment method.

7. Lanzhou Bank lends money to the personal account opened by the applicant;

8. The applicant repays the loan principal and interest as agreed in the contract.

Third, how to borrow a student loan?

Students are not allowed to borrow money except for student loans.

Fourth, how to borrow personal loans for students?

Fill in the basic information of the individual and the borrower in the student system of the student source loan of China Development Bank, apply for the loan, export and print the application form, and the students sign it with a carbon pen; Then go to the county student financial aid center to sign a loan contract with the borrower. If you don't know how to operate, you can go to the local street office for consultation. It should be noted that this * * * borrower is particular, preferably the parents of the students. If they are not parents, the borrower must be over 25 and under 60, and the student loan is for students with college education or above. Students who apply for student-origin student loans for the first time need to apply for electronic contracts on the online page of China Development Bank, and both students and borrowers must submit loan applications at the student aid center where their household registration is located; Students who apply for a loan again also need to sign a new contract, and the borrower or one of the borrowers applies to the student financial assistance management center where the household registration is located. Materials to be prepared for applying for a student loan: the original ID card and household registration book of the borrower and the borrower. Admission notice (non-freshmen or freshmen should be the original student ID card or the Xuexin.com online verification report of the Ministry of Education). Don't worry about the interest generated by the student loan that students apply for during their school days. The interest generated from September after graduation needs to be paid back by the students themselves. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government. On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.