First of all, the applicant needs to provide some necessary information, including ID card, student ID card and household registration book. Secondly, the applicant needs to prepare certain guarantee materials, which can be family guarantee or other effective guarantee materials. Next, the applicant needs to submit a loan application form and fill in his basic information in detail, including name, ID number, school name, grade and so on.
Next, the bank will conduct an audit based on the information provided by the applicant. During the audit process, the bank will verify the applicant's identity information, financial information and guarantee information to ensure that the applicant's credit status is good. After approval, the bank will grant a certain loan amount and sign a loan contract according to the actual situation of the applicant.
Next, the applicant needs to repay the loan on time according to the agreed time limit. In the process of repayment, the applicant needs to repay the loan on schedule according to the agreed interest and time limit, so as not to affect his credit status beyond the time limit.
Finally, after the repayment period expires, the bank will evaluate the repayment performance of the applicant. If the applicant's repayment performance is good, the bank can give certain concessions, such as lowering interest rates and delaying the repayment period.
In a word, the campus loan process mainly includes several steps, such as providing information, guaranteeing information, filling in loan application forms, reviewing, signing loan contracts, repaying loans on schedule, and evaluating repayment performance. In this process, the applicant needs to provide true and complete information and repay the loan on time, so as not to affect his credit status.