1. How to get loans for college students?
College student loans are generally divided into two types: student loans and credit loans. Below are two types of loan options.
1. Student loans
Student loans are low-interest loans provided by the government or banks for college students to pay tuition and related expenses. Loans can be divided into two forms: direct interest discounts and guaranteed loans. Students can go to their bank or guarantee institution to check relevant information and provide application materials as required. After approval, students can borrow money.
2. Credit loan
Credit loan refers to a loan applied to a bank based on personal credit status without mortgage or guarantee. Loans can be divided into two forms: personal consumption loans and personal business loans. College students can apply at their bank or online bank and prepare relevant materials such as ID card, student ID card, and income certificate.
Different types of loans have different loan amounts, terms, interest rates, etc. It is recommended to understand the details of various loans before taking out a loan, comprehensively consider the loan conditions and your own repayment ability, and carefully choose the appropriate loan method. . At the same time, a loan is a long-term financial responsibility, and the consequences must be carefully considered to avoid over-borrowing and default.
2. What are the conditions and procedures for college students to apply for loans?
During college, many college students want to apply for loans, which can reduce the pressure on their families. So what are the requirements for college students to apply for loans? What are the conditions?
What conditions are required for college students to apply for loans? Currently, student loans for college students are divided into two categories: national student loans and student credit student loans. Both types of loans can only be used in one type, and the maximum loan amount is 6,000. If you have just entered college and have not yet registered at the university, you can apply for a credit student loan from your place of origin.
You can apply at the district (county) education subsidy center. If you are a student in school, you can apply for a national student loan. After the student submits the application, the school will conduct a preliminary review. After the bank approves the application, the two parties will sign a contract and the bank will issue the loan.
To apply for a national student loan, you need to meet the following conditions:
(1) The borrower is over 18 years old and has full capacity for civil conduct (minors must be informed by their legal guardian in writing agree).
(2) The borrower has a good credit record and has no illegal behavior.
(3) Have good academic performance and be able to complete their studies normally.
(4) The income earned during school is insufficient to cover the basic expenses required to complete studies (including tuition, accommodation and living expenses).
(5) Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and perform the loan repayment obligations in accordance with the regulations.
(6) Meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.
Materials for student loans for college students. The school will issue a notice at the end of the second semester of each year, issuing a certificate of enrollment with the official seal of the school and department to college students who need to apply for student loans.
College student loans require proof of identity. Current students need to provide student ID cards and transcripts. Graduated students need to provide graduation certificates, degree certificates, commonly used passbooks or bank card reconciliation lists in the past 6 months and other credit information. prove.
One copy of the ID cards and copies of the student borrower and ***’s fellow borrower
The borrower and ***’s fellow borrower need to go to the financial aid center at the same time, because they are First time loan. As the guarantor of the student, *** the borrower is mainly his or her parents; if the borrower is an orphan, the *** borrower will be other legal guardians, etc.
Student ID card and its copy in one copy
Student ID card is nothing more than the most powerful proof of your identity, so it is also essential. If your student ID card is accidentally lost and you need to apply for a student loan, you can apply for a certificate of loss from the school; or explain the situation to your (county, city, district) financial aid center, and then reissue your student ID card and send it back. The funding center where it is located.
The original household registration booklet and a copy of the page of the household registration book for the student who borrowed the money, and the page for the same borrower
The household registration booklet is your proof of household registration. , generally indispensable. Family situation survey form or poverty student identification form, application form in duplicate.
3. How do college students get loans?
The application conditions for student loans: (1) Have full capacity for civil conduct; (2) Be honest and trustworthy, abide by the law, and do not violate the law. Behavior; (3) Have good academic performance and be able to complete studies normally; (4) The income earned during school is not enough to cover the basic expenses required to complete studies (including tuition and basic living expenses); (5) Strictly abide by the national, Handle the various regulations of the bank and the school on national student loans, promise to use the loan correctly and fulfill the loan repayment obligations in accordance with the regulations, and open a current account in the lending bank. (6) Other conditions stipulated by the lending bank.