There is no preferential policy for teachers to apply for credit loans, but it is easier to get approval if they have a stable job.

Microfinance application materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

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

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

Personal information of the bank:

1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading, gambling and other behaviors;

As long as you meet the individual application conditions of the bank, you can handle the business by providing ID card, proof of stable address and proof of stable income source.

2. Does the educational institution have a loan policy?

Educational institutions have no loan policy, but educational institutions have loans. For example, education credit refers to loans issued by financial institutions for various schools to set up educational undertakings, as well as credit services such as student loans and education savings for students to complete their studies. Education credit includes loans from ordinary and adult institutions of higher learning (including vocational and technical colleges), secondary vocational education and secondary schools; Loans are invested in school student apartments and logistics service facilities; Loans for running schools for enterprises and loans for school-run industries (enterprises) that directly or indirectly serve education; National student loans, general commercial student loans, education savings and other credit businesses. Education credit is a special kind of consumer credit. The biggest difference between it and ordinary commodity consumption credit is that the result of education credit can produce higher value than credit consumption itself, so it is favored by many people in society. : 1. As a new credit business, education credit has developed rapidly and become an important source of funds for education investment. On the one hand, education credit plays an important role in solving the problem of insufficient investment in education. From the investment direction of education loan, firstly, colleges and universities are the focus of loan investment; Second, support the construction of key middle schools in non-compulsory education stage; Third, support other types of schools, such as adult institutions of higher learning, vocational and technical secondary schools, basic education special education, and fee-paying bilingual teaching schools. On the other hand, education credit has further broadened the credit market of commercial banks. In recent years, although the financial investment in education has increased rapidly, it still cannot meet the needs of educational development. Colleges and universities expand enrollment scale, and the demand for credits increases. Judging from the distribution of education loans in financial institutions, education loans have become an important field of credit marketing of commercial banks. State-owned commercial banks regard supporting the development of education as an important part of credit policy, and joint-stock commercial banks have also seized the education credit market. 2. The difficulty in repayment of education credit is unacceptable for commercial banks that pursue maximum benefits. Market economy is not only an economy ruled by law, but also a credit economy. Without credit, there will be no order and the market economy will not develop healthily. The national student loan takes the form of unsecured, which cancels the joint liability of witnesses, simplifies the responsibility of colleges and universities, and thus increases the risk of granting student loans. At the same time, some students who have obtained student loans do not cherish education, fail to fulfill their promises to the loan banks, and neglect their studies, resulting in their inability to repay huge loans after graduation. The short repayment period of education loan is the main problem of education loan. In today's severe employment situation, graduation is equal to unemployment, which is a difficult problem faced by many college students. Moreover, the salary level of newly graduated college students is generally low. In addition to solving the problem of food and shelter, the salary after graduation can no longer repay the loan. Credit banks set the repayment period within two or three years after graduation, which is difficult to be accepted by the vast number of fund demanders, generally reducing the repayment credit of college students, making banks reluctant to engage in this business and inhibiting the vigorous development of education credit. 3. Information asymmetry between the education credit department and the school The information asymmetry between the bank credit department and the university makes it impossible for the bank to confirm the difficulty of students applying for student loans and the authenticity of the information provided. The work scope of the bank is limited, so it is impossible to track, investigate and supervise every student at all times, which also leads to students who accept student loans not paying attention to their studies and using student loans for entertainment activities. Banks don't expect, for example, playing billiards online, which is also a great threat to their timely repayment in the future.

Three. 202 1 student loan policy Guizhou?

Commercial credit loan

Issued by Guizhou Branch of China Development Bank to eligible full-time college students with financial difficulties (including second bachelor's degree, higher vocational education and preparatory course), and handled at the Student Financial Assistance Center of the Education Bureau of the county (city, district, special zone) where the students are registered before entering the school. The standard does not exceed 8000 yuan/year. If the sum of annual tuition and accommodation fees is lower than the maximum amount, the loan amount shall be determined according to the sum of tuition and accommodation fees.

4. Does the educational institution have a loan policy?

Educational institutions have no loans. For example, educational schools provide credit services, such as student loans and educational savings. Education credit includes loans from ordinary and adult institutions of higher learning (including vocational and technical colleges), secondary vocational education and secondary schools; Loans are invested in school student apartments and logistics service facilities; Direct or enterprise loans and school-run industrial (enterprise) loans; Consumer credit for national student loans, general commercial student loans and education savings. Different from other schools, the results of educational credits are valuable, so they are favored by many people in society.

1. Education credit business has developed rapidly and become an important source of funds for education investment. On the one hand, education credit plays an important role in solving the problem of insufficient investment in education. From the investment direction of education loan, firstly, colleges and universities are the focus of loan investment; The second phase of key middle school construction; Third, in terms of support, vocational and technical secondary schools, basic education, special education and income, education credit has further broadened the credit market, and commercial banks have grown rapidly, but it still cannot meet the needs of education development. Expanding the enrollment scale of colleges and universities and increasing the distribution of funds among financial institutions show that education loans have become a branch of credit marketing of commercial banks, supporting education development is an important part of credit policy, and joint-stock commercial banks have also seized the education credit market.

2. The difficulty in repayment of education credit is unacceptable for commercial banks that pursue maximum benefits. Market economy is not only an economy ruled by law, but also a credit economy. The national student loan takes the form of unsecured, which cancels the joint liability of witnesses, simplifies the responsibility of colleges and universities, and thus increases the risk of issuing student loans. At the same time, some students who have obtained student loans do not cherish education and cannot repay huge loans after failing to fulfill their loan obligations. The short repayment period of education loan is the main problem of education loan. In today's severe employment situation, graduation is equal to unemployment, which is a difficult problem faced by many college students. Moreover, the salary level of newly graduated college students is generally low. It is impossible to repay the loan except the salary after understanding. Credit banks set the repayment period within two or three years after graduation, so it is difficult for students who need funds to repay their credit, which makes banks reluctant to engage in this business and inhibits the vigorous development of education credit.

3. The information asymmetry between the education credit department and the school. The information between the bank credit department and the university is difficult for students to apply for student loans, and the information provided is difficult to be authentic. The limited scope of bank work makes it impossible to live, which also leads to students who accept student loans not paying attention to their studies and using student loans for entertainment activities. Banks don't expect, for example, playing billiards online, which is also a great threat to their timely repayment in the future.