First, the student loan application process

1. Prepare application materials: student ID card, original ID card and its copy; Proof of family financial difficulties; Other materials required by the national student loan.

2. Register students' online service system: develop the information network of bank student loans and register personal information.

3. Download the student loan application form: on the personal information page, download the national student loan application form. After downloading the form, please fill in the form as required, and pay attention to keep the handwriting clear without any traces of modification.

4. The school conducts the preliminary examination of materials: the national student loan is issued by the bank, and the students submit the loan materials to the school funding department, and then the school conducts the preliminary examination. After the preliminary examination is completed, the official seal of the school will be affixed.

5. Final review of the materials by the bank: The school funding department will hand over the materials that have passed the preliminary review to the bank for final review.

6. Loans issued after approval: After the loan application is approved, the bank will transfer the funds of the student loan to the Alipay account of the applicant.

Second, the student loan application process

1. Prepare application materials: student ID card, original ID card and its copy; Proof of the source of life of the borrower of the student-origin credit student loan; And other relevant information.

2. Register students' online service system: register personal information at the student loan information network of China Development Bank.

3. Download the application form for student-origin student loan: on the personal information page, download the application form for student-origin student loan. After printing the form, please fill in the form as required, and pay attention to keep the handwriting clear without any traces of modification.

4. Go to the financial aid center for review: Borrowing students need to bring the application form and related materials to the local county-level financial aid center for review.

5. Sign a loan contract after approval: After approval, a loan contract needs to be signed.

6. Students will return the receipt of the contract: Borrowing students need to return the receipt of the loan contract to the school, and the school will input the loan information into the system.

7. Waiting for a bank loan: After the application is approved, wait for a unified bank loan.

How to apply for a student loan from Industrial Bank?

Many banks have opened student loan services. Student-origin student loan is an important measure taken by the CPC Central Committee and the State Council in order to improve the financial aid policy system of colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy. The national student loan is led by the government, subsidized by the finance, and the finance and universities give banks some risk compensation. Borrowing students do not need to apply for loan guarantee and mortgage, but they need to promise to repay on time and bear relevant legal responsibilities, and then the borrowing students apply for loans from the bank through the school to make up for various expenses during their school days.

Like ordinary banks, Industrial Bank also has student loans, which is one of the first joint-stock commercial bank companies established on 1988 with the approval of the People's Bank of China, the State Council. The way Industrial Bank helps students is to make corresponding loans according to the national student loan. Generally, poor students who meet the following conditions can apply for student loans, and they must be in line with China people and nationality. Resident identity cards also need to have civil capacity and bear corresponding legal responsibilities, and help students to be honest, upright, law-abiding, have no disciplinary behavior, study very hard and complete their studies normally. And the income earned during the school period is not enough to pay the basic expenses needed to complete the study, you can apply with the consent of the school.

There are corresponding procedures for applying for student loans. Generally, before applying for the conditions, students should show their ID cards and application forms, and receive the National Student Loan Application Form and fill it out completely. As long as they fill it out, accompanied by their parents, they will go to the corresponding bank to apply for a loan. If it is Industrial Bank, they will go to the business hall of Industrial Bank. As long as the materials are well prepared and signed by the school, they can conduct the second loan review. As long as the school institutions reach the loan quota control ratio in the national student loan center, organize students to apply for loans and submit them to the national student loan institutions for review, as long as they meet the requirements, it can be completed in about 20 working days.

As long as you pass the exam, you can basically apply for a loan at the bank, and your parents must accompany you at the same time. Although you said you wouldn't bear the corresponding mortgage and interest, you must repay it on time every month after graduation. As long as they meet the requirements, they can basically apply for loans. Generally, as long as you apply, you can transfer money to your personal account in about one month.

How to apply for a student loan from Industrial Bank?

You need to submit an application to the school and then apply for a student loan through the school. At the same time, you can't actively choose a bank.

For those students who need to apply for registered loans, their own students cannot apply for student loans independently and must go through the school. If you want to apply for a student loan through off-campus means, in fact, these loan products are not student loans, they just have a name, so you should carefully screen them.

First, students can't take the initiative to choose a bank for student loans.

Because many schools and banks will cooperate, schools will also have places for national student loans. When students need to use student loans, they need to submit an application to the school, and the school will apply for student loans in a unified way. At this time, the bank will review the students' personal data. The examination threshold for student loans is relatively low, and they can generally pass. But for students, students can't choose their own banks for student loans.

Second, there will also be so-called student loans outside the school.

Strictly speaking, such loan products are not student loans, but credit loans in the name of student loans. There will be many commercial credit loans in the market. The annualized interest of credit loans is much higher than that of student loans, and there is no welfare treatment enjoyed by student loans. Many students have never been exposed to financial lending products before, so they are easily tempted by these commercial loans. Students must keep their eyes open and don't be deceived.

Third, students are not advised to apply for other bank loans.

For the bank channel, the loan products of the bank channel are more formal, and it is also the best loan channel known at present. Even so, I don't advise students to apply for other personal loans, let alone so-called credit loans and consumer loans, except for student loans that students need. For students, it's best not to use Alipay's flowers and loans frequently, because students don't have a correct concept of consumption and financial management consciousness, and they can easily fall into a vicious circle of debt, so they must be cautious.