There are two kinds of student loans for college students: national student loans and student credit student loans. But you can only borrow one. All of them can be paid off, with a maximum loan of 6000 yuan 14 years, and no interest will be paid during school. Those who have just been admitted but have not yet reported for duty can apply for student-origin credit loan. Ask the assistance center of the district (county) Education Bureau for the "Application Form for Student-origin Credit Student Loan of China Development Bank" and the instructions for handling it. Just follow the prompts. Students can apply for national student loans,

Application process: students apply → the school conducts preliminary examination → the bank conducts examination and approval → both parties sign a contract → the bank issues loans → the loans are repaid after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

Extended data:

College student loans have gradually become the main service for major online lending companies to develop college student customers. College students' self-employment, installment consumption, education and training and other aspects of consumption expenditure make them become high-consumption groups with no fixed income, which makes them have a strong demand for loan services. However, the student loans and entrepreneurial loans provided by the national government with harsh conditions and troublesome applications can no longer meet the loan needs of today's college students.

Main features:

1. Credit is related to the loan amount.

2. Enjoy low-cost loans.

3. Various repayment conditions

Loan platform

Li Rong's innovative project. Online loan platform com provides these college students with education loans, business loans and consumer loans.

Application conditions

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older;

4. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

5. Abide by laws and regulations, and have no illegal acts and bad credit records;

What conditions do college students need to apply for loans?

1. The loan for college students is as follows: 1. Apply for student loans through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period;

2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities;

3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform.

Second, what conditions do college students need to apply for loans?

At present, there are two kinds of student loans for college students: national student loans and student credit student loans. Only one of these two loans can be taken, and the maximum loan amount is 6000. If you have just been admitted to a university, you can apply for a student-origin credit loan.

You can go to the district (county) education funding center to handle it. Students can apply for national student loans. After students submit their applications, the school will conduct a preliminary examination. After the approval of the bank, the two parties sign a contract and the bank issues loans.

To apply for a national student loan, you need to meet the following conditions:

(1) The borrower has reached the age of 18 and has full capacity for civil conduct (minors must obtain the written consent of the legal guardian).

(2) The borrower has a good credit record and no illegal acts.

(3) Good academic performance, able to complete their studies normally.

(4) The income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and living expenses) needed to complete their studies.

(5) Strictly abide by the provisions of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations.

(six) meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.

Three, college students do student loan materials

At the end of the second semester every year, the school will send a notice to college students who need to apply for student loans, and affix the official seal of the school and the department.

Student loans require proof of identity, students need to provide student ID cards and transcripts, and graduates need to provide credit certificates such as graduation certificates, degree certificates, commonly used passbooks or bank card reconciliation lists in the past six months.

Identity cards and photocopies of students and borrowers.

The borrower and the borrower need to go to the capital center at the same time, because it is the first loan. * * * Borrowing students with borrowers as guarantors, mainly their parents; If the borrower is an orphan, then * * * and the borrower are other legal guardians.

Student ID card and a copy thereof.

Student ID card is nothing more than the most powerful proof of your identity, so it is also essential. If the student ID card is accidentally lost and you need to apply for a student loan, you can apply to the school for a certificate of loss reporting; Or explain the situation to your (county, city, district) funding center, and then reissue the student ID card and send it back to your funding center.

The original household registration book and the copy of the page borrowed by the student and the page with the borrower in the household registration book are in duplicate.

The household registration book is your household registration certificate, which is indispensable under normal circumstances. Family situation questionnaire or poor student identification form and application form in duplicate. ;

How do college students borrow money to go to school?

College students can reduce the pressure burden of going to college through national student loans.

The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.

1. Applicant and conditions:

Full-time undergraduate students (including students in higher vocational colleges), second bachelor's degree students and graduate students in ordinary colleges and universities, and meet the following conditions

(1) Family financial difficulties;

(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;

(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

4. Honest and trustworthy, law-abiding, no illegal behavior;

⑤ Study hard and you can finish your studies normally.

2. Application materials:

After the start of the new school year, students apply for loans from banks through schools. The following materials are required:

(1) national student loan application;

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);

(3) my explanation of the family's financial difficulties;

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount

In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.

4. Lending approval

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

Step 5 lend money

The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

How to apply for a student loan?

Article 3 of the Measures for the Administration of Student Loans of the People's Bank of China.

Lenders provide unsecured (credit) student loans to college students (including junior college students, undergraduates and graduate students) (hereinafter referred to as borrowers), and unsecured (credit) student loans and guaranteed student loans to their immediate family members and legal guardians (hereinafter referred to as borrowers).

Article 4

College students applying for student loans must meet the following basic conditions: admission notice or student ID card, valid resident ID card; At the same time, two students or teachers should provide identification.

The following materials are usually required:

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. I am responsible for the authenticity of the certification materials provided by the students.

How do college students get loans?

College student loan process:

Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with all kinds of materials;

The second step: preliminary examination. The Municipal Personnel Bureau shall be responsible for the pre-loan audit, and review whether the graduates meet the loan conditions and whether the loan application projects belong to financial discount and meager profit projects and issue a recommendation form. At the same time, evaluate the entrepreneurial ability of graduates applying for small secured loans;

Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit;

Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided;

Step 5: Recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. If the loan is approved after examination and approval, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant;

Step 6: borrow money. College graduates (including junior college students, undergraduates and graduate students) engaged in self-employment are exempted from self-employment registration fees, self-employment management fees, and economic contract demonstration text cost. Within 1 year from the date of approval of 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.

Materials to be prepared:

1. Approval Form for Self-employment of College Graduates;

2. Original and photocopy of graduation certificate;

3. The original and photocopy of my ID card;

4. Registration card;

5. Two one-inch photos;

6. My file needs to be handed over to the graduation office of the Personnel Bureau.

How do college students get loans?

First, how to borrow college students' loans, and what are the conditions?

1, college degree or above;

2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;

3. When applying for this kind of loan, three points are more important:

First of all, 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.

Second, the loan period and amount requirements

The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity 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.

Article 679 of the Civil Law states that a loan contract between natural persons is established when the lender provides a loan.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.

Third, the loan repayment method

1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall 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. The relevant preferential policies depend on your local government.

Fourth, the application process

1, accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. recognition. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.