1, term of student loan:

Under normal circumstances, the time limit for students to apply for student loans is 10 year, and the length of schooling is 6 years, that is, the lender must pay off the loans within 6 years after graduation.

If the lender wants to continue his postgraduate or second degree, he can go to the loan bank to apply for an extension of the loan period.

2. Student entrepreneurship loans:

Student entrepreneurship loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, applies for venture capital or re-venture capital, and is recognized as an effective guarantee by the bank.

Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

Loan application process and matters needing attention:

1, loan application process:

Graduates first apply for small secured loans to the local people's social security bureau, fill in the Pre-examination Form for Small Secured Loans for Laid-off and Unemployed Persons, and then submit their identity documents, employment unemployment registration certificates, pre-examination form for small secured loans for laid-off and unemployed persons and a copy of their business licenses to the small secured loans handling bank.

After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the general bank will give a reply within 5 working days after submitting the information.

2. Matters needing attention in loan:

The lending platform has been registered by regular companies and filed by the industrial and commercial departments. The registration information of enterprises and websites can be found on enterprise credit network and organization code website, including relevant enterprise credit information.

Repayment method of lending platform: Generally, legal lending platforms have corresponding risk control management departments, which will conduct risk assessment on borrowers before lending, based on their personal information, household registration, bank credit and sesame credit. Personal loan platform focuses on repayment ability. The loan amount depends on personal credit, and the loan amount is generally not too large.