Loan terms:
1, a natural person with full capacity for civil conduct;
2. Having a permanent resident identity card, the address of the registered permanent residence, the home address and the detailed address of the department where the institution is located;
3, the school's "Admission Notice" or "Admission Notice", with proof of tuition and fees required for the school year;
4. Have a legitimate occupation, a stable and reliable source of income, good credit, and the ability to repay the principal and interest of the loan on schedule, except for the national student loan;
5. To provide a third-party guarantor with bank-recognized assets mortgage, pledge or compensatory ability and joint liability, except for national student loans;
6. Other loan conditions stipulated by the bank. The maximum amount of personal loans shall not exceed the sum of tuition and fees and living expenses of the school where the educated person is located, and shall be mastered according to the following circumstances:
1. If applying for a loan by way of pledge approved by the bank, the maximum loan amount shall not exceed 90% of the value of the pledged property;
2. Where mortgaged property is used as collateral, the maximum loan amount shall not exceed 70% of the value of collateral recognized by the bank;
3. If a third-party guarantee is used to apply for a loan (except banks and insurance companies), the maximum loan amount shall not exceed 60% of the total education expenses;
Where an insurance company provides performance guarantee insurance, the maximum loan amount shall not exceed 80% of the total education expenses. The interest rate of individual student loans shall be implemented in accordance with the loan interest rate for the same period stipulated by the People's Bank of China.