1. If the credit rating is not good, the credit rating is concerned or secondary, and the bad reason is not personal subjective, but caused by banks or other reasons. This kind of loan can be handled. For example, because there is no information prompt in the banking system, credit card repayment has not been returned in time several times, which leads to poor credit reporting. In this case, you can apply for a loan, as long as you give a statement to the bank when you apply for a loan.

2. If the credit information is not good and it is seriously caused by personal reasons, it is impossible to apply for a loan. Due to the serious nature of credit information, which is caused by personal subjective reasons, banks with bad credit ratings will not accept it. As a result, the loan cannot be processed.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for students from poor families in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, compensated by the finance and the university for certain risks, and operated by the bank, the education administrative department and the university. 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 212, the new student loans of the Development Bank will exceed 12 billion yuan.

There are four main loan forms: national student loan; Student-origin credit student loan; Interest-free loans for students by colleges and universities using state financial funds; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, which is the main content of student loan.

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students will apply once and the bank will issue national student loans in installments during their school days.

what materials should I provide to apply for a national student loan?

1. application for national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

13. my explanation of the family's financial difficulties;

1. A certificate of family financial difficulties issued by the relevant department where the student's family is located. The student himself shall bear legal responsibility for the authenticity of the certification materials provided by him.

examination and approval

the relevant departments of the school are responsible for the qualification examination of the national student loan applications submitted by students and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final approval of students' loan applications.