Pension and social security, both units have deducted personal parts, so I want to ask you to retire then. Can you combine them?

Second, can college students get loans?

College students belong to the category of adults, and loans are completely acceptable. There are several ways for college students to borrow money. Please refer to: you can consult with the academic affairs office of the school to apply for a student loan, and the school will handle the loan matters if allowed. Entrepreneurial countries can take interest-free loans and consult relevant communities with graduation certificates and identity certificates. If the conditions are fully met, you can apply for a loan. In terms of bank loans, the state also takes care of college students' loans, but I need to have a business license for the business premises and relevant industrial and commercial departments. Application conditions for college students' entrepreneurial loans: college degree or above; Unemployed for more than 6 months after graduation and registered as unemployed in the local labor and social security department. Loan Term: The small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount. Loan mode: the way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses. When applying for this kind of loan, the application materials are three key points: first, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range. Loan repayment method: 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid at the maturity, and the benefits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. Tax Exemption Policy College graduates (including junior college students, undergraduates and graduate students) who are engaged in self-employment are exempt from the self-employment registration fee, self-employment management fee and economic contract demonstration text cost within 1 year from the date of approval of business operation. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

3. Can college students who apply for student loans apply for credit cards?

College students who have applied for a student loan can apply for a card at the bank. There are strict restrictions on college students who have applied for student loans. Specifically, the bank shall prevail.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to a special business service department for shopping or spending, and then the bank will overdraw with merchants and cardholders. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit card processing regulations

1. Age requirement: the age is between 18 and 65;

2. Income and asset requirements: Have a stable job.

3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;

4. Have full capacity for civil conduct;

5. Provide original documents.

Advantages and disadvantages of credit cards: Advantages: Compared with ordinary bank deposits, credit cards can be used for ordinary consumption without cash in the card. In many cases, it is enough to return the consumption amount on time. You can overdraw for 56 days without deposit, repay on time, and receive no interest at all.

Disadvantages:

1. The invention of credit cards is like a temporary economic crisis, but the purpose of issuing credit cards by banks is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, which is usually extremely high every day.

2. Blindly spending by credit card is not like spending money in cash. I don't feel anything when I brush. Just a few numbers, money is like water.

3. If you forget to return the credit card, it will cause the credit card to be overdue, affect the long-term malicious record of your personal credit record, and even be blacklisted by the bank, and you will have to borrow money from the bank to buy it in the future.

4. What are the requirements for college students' loans?

First, the conditions for applying for student-origin credit student loans should be met.

1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.

2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.

3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).

4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:

(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).

(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).

(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).

(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).

(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).

(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).

(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).

(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).