It is best to consult the local bank for loans. When a borrower applies for a personal loan from a bank, he/she needs to fill in the application form in writing and submit the following materials: 1, and his/her valid identity certificate; 2. Proof of residential address (household registration book, etc. ); 3. Personal professional certificate; 4. Proof of income of the loan applicant and his family members; 5. Other information stipulated by the bank.

How to apply for a student loan?

The main process of student loans is as follows:

If a student applies for a student loan:

Students apply to their school → the school conducts preliminary examination → the bank conducts relevant examination and approval → the two parties sign a contract → the bank issues loans → the loans are repaid after graduation.

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. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Conditions to be met:

1, full-time undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree in ordinary universities;

2. Have People's Republic of China (PRC) nationality and People's Republic of China (PRC) national identity card;

3. Have 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 be able to complete your studies normally;

6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.

If students apply for non-student loans (such as commercial loans, housing loans, etc. ):

Students bring their identity documents and related materials to the bank to apply for a loan → the bank will examine the applicant's qualification after receiving the relevant application → the bank will contact the applicant to sign a loan agreement (if the lender passes the examination) → the bank will lend money → the applicant will repay the principal and interest on time.

Who should sign and seal the identification form for students with financial difficulties?

According to the latest related policies of China and CDB on 20 19, starting from 20 19, in order to save a trip for everyone, the form for identifying students with financial difficulties in families does not need to be signed and sealed, that is, this form is invalid and changed into a personal commitment letter.