Go to the local bank and provide your school certificate and family guarantee.

Second, how do college students apply for student loans?

If it is the first time to apply for a student loan, you need to go to the student loan assistance center. You need to be accompanied by your parents (you need to sign them later), and you also need your own and your parents' ID cards, admission notices and copies of admission notices, and then you need to register and fill out the form (there will be staff on site to help you fill out the form, so don't worry about filling in the wrong questions).

If the loan is renewed, you need to log in to the student source loan system of China Development Bank. After entering, click on the renewal verification information to submit. After checking the information, the staff will receive a receipt SMS verification code. Short messages can't be deleted, because they may be used by the school in the future.

Third, how do college students apply for student loans

1 college students' entrepreneurial loan pooling scheme With the help of parents, the minimum amount of mortgage loan to the bank is 654.38+million yuan, and the maximum amount is 5 million yuan. Many college students can be recycled. The first money for starting a business comes from parents, but their money is their hard-earned money for decades, so let them take risks and start their own business. Some independent college students, such as Zhou Xiao, are unwilling. So is there a better way to get funds? Banking experts say that we can borrow our parents' property and go to the bank for mortgage loans in another way. On the one hand, this method does not need to use parents' funds, on the other hand, it helps entrepreneurs to raise funds, and also gives them the pressure to repay, so that they can run their enterprises more attentively. The reporter learned that for the sake of risk control, many commercial banks will give different credit ratings according to their customers' age, marriage, occupation, past credit, personal and family property status, etc. For young graduates with incomplete credit files, it is difficult to obtain loans on their own. Therefore, banking experts suggest that graduates can consider using their parents' property, certificates of deposit, marketable bonds or insurance policies to apply for mortgages. However, it is worth noting that banks are very cautious in issuing such loans at present, and generally need collateral, such as real estate and shops. In order to avoid risks, the approval process for lending such products is cumbersome and lengthy. It is reported that at present, all major commercial banks in our city have opened similar loan businesses, taking ICBC and CCB as examples. For example, Jiangmen Branch of ICBC has opened a personal business loan, which requires mortgage, pledge, guarantee or a combination thereof. Personal business loans of Jiangmen Branch of China Construction Bank can also be applied to personal business loans, mainly for individuals engaged in production and operation and temporary needs to solve short-term capital needs. The minimum loan amount is 654.38 million yuan and the maximum loan amount is 5 million yuan, which can be recycled. Option 2 is in urgent need of funds. It can be considered that the pawn cost of pawn loan is high, and the interest of 50 thousand yuan per month may reach 2000 yuan. Generally, the procedures required to apply for a loan in a bank are complicated, and it takes some time for the loan to be issued. What to do in case of emergency? At that time, there was a faster way, which was to pawn the loan. Although compared with bank loans, the cost of pawn loans is high and the loan scale is small, but pawn loans have their own unique advantages, that is, they are fast and can even be handled immediately. Moreover, the pawnshop has almost zero credit requirements for customers, which can save complicated authentication procedures. In addition, when a customer borrows money from a bank, the purpose of the loan cannot exceed the scope stipulated by the bank, and the pawnshop does not ask about the purpose of the loan, so the use of the loan is very free. I interviewed several pawn shops in Jiangmen, and they all said that they can use physical pawns to raise funds, such as real estate or cars. Take real estate pawn as an example. As long as the real estate license and land certificate are complete, the staff can evaluate the house after seeing the house. Loans are very convenient, and some even get funds on the same day. But compared with bank loans, the cost of pawn is much higher. A pawnshop in Jiangmen borrowed 50,000 yuan from them, with a monthly interest of 2,000 yuan; The interest of another pawnshop is higher. The interest of loan 10000 yuan is 750 yuan, and the interest of loan 50000 yuan is 3750 yuan. Such a high interest rate is undoubtedly a heavy burden for some people who have just started a business. Therefore, some pawnshop staff said that it is best not to borrow money in this way unless it is an emergency or short-term capital demand. "Fresh graduates should not lose money for loans to do business. They are still inexperienced. It's best to work first. As a boss, it is really necessary to consider a loan. If you really need a loan, it is better to borrow from the bank. " A pawn shop worker put forward his own pertinent suggestions. Option three, activate your funds. Loan amount 1 10,000 yuan or more to 1 10,000 yuan. It can be received within 3 days at the earliest, which is more suitable for low-cost entrepreneurial projects. Are there any loans that don't need guarantee or mortgage? The answer is yes. Jiangmen Branch of Postal Savings Bank launched this business this year. The loan does not need any mortgage, as long as it is guaranteed by a qualified guarantor. This kind of loan is relatively simple and fast, but it is only applicable to individual merchants or small enterprises that have already registered for industry and commerce. For college entrepreneurs, industrial and commercial registration can be conducted with low initial capital, and then they can apply to the Postal Savings Bank through their relatives and friends who have stable income jobs as guarantees. Generally, the loan amount issued by the Postal Savings Bank is from 1 1,000 yuan to 1 1,000 yuan, which can be received within three days at the earliest, which is more suitable for low-cost entrepreneurial projects.