I use a Vipshop consumer loan with a quota of 8,000, which is quite enough for daily shopping. Vipshop's consumer loan service is called Weipinhua, and it is quite simple to apply. Log in to Vipshop or Weipinhua, click "Weipinhua", fill in personal name, ID number, bank and other basic information, and submit it. After the opening of Wei Pinhua, you can use your own consumer loan to shop. Moreover, if you use micro-products more, your personal credit line will continue to increase, which is very easy to use.

Second, is it appropriate for college students to borrow money to buy a house or spend money on flowers?

Need to prepare information:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

3. Provide proof of stable income source: bank flow sheet, labor contract, etc.

4. Other information stipulated by the bank.

3. Can college students borrow money from banks?

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 them:

To apply for a student loan from a school, you can consult with the academic affairs office of the school. If allowed, the school will handle the loan.

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; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. 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.

For individual entrepreneurial loans with loan repayment method of 1 and loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the profits 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. The specific preferential policies depend on your local government.

4. Can college students borrow money from the bank for shopping?

It is mainly because college students have no source of income and cannot guarantee repayment ability, so bank loans are not realistic.