Hello, dear, there are several platforms for college student loans:
I accept a loan.
My loan APP claims to be the fastest platform for college students to borrow money. The amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. After college students register successfully, they can borrow money quickly by filling in relevant information and taking photos with their ID cards and student ID cards.
My loan amount is 300-3000 yuan, loan interest is 1%-2%, and loan term is 1 month -6 months. Review the next payment on the same day. It only takes three minutes to pass the audit quickly.
Second, the famous school loan
Famous School Loan APP is a college student loan APP launched by Pounder in Nuo Nuo. Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Third, college students' loans.
Jiurong Finance mainly offers college students' loans, entrepreneurial loans, school grass loans, school flower loans and emergency loans. The borrower of Jiurong Finance College Student Loan can apply as long as he is a college student or above, and he only needs to prepare his student ID card and ID card. The monthly interest rate is 0.98%, and the amount is100-50,000 yuan. In order to facilitate the emergency needs of college students, Jiurong Finance has specially launched emergency loan products, which are faster and easier to approve. The unified amount is 2000 yuan, which can be paid within 3 hours.
Fourth, lightning learning loans
Lightning Learning Loan provides the most flexible loan amount, providing loans for college students from 300 yuan, 500 yuan and 800 yuan. According to college students' repayment ability, flexible repayment periods as short as 7 days and as long as 15 days are provided.
Verb (abbreviation for verb) University loan
Mainly for college students, loans of 1 0,000 yuan are provided in 500 yuan and 800 yuan, and the loan period is 10-40 days. Family U charges a service fee (250. 1%/ day) for each successful loan.
Sixth, U-nation University Loan APP.
U-Family University Loan is a loan APP for college students' various consumption habits. The loan amount is1000-3,000 yuan, the loan term is 3-6 months, and the handling fee rate is 1.2%- 1.9%. The longer the loan term, the higher the interest rate.
Seven, flash silver APP
52 "people (2 years before graduation, 5 years after graduation), Flash Silver APP only needs an ID card and a bank debit card to get a loan, and the monthly handling fee rate is 1.5%-2%. The funds can arrive on the same day.
Eight, lightning learning loan APP
Lightning learning loan is a mobile phone software for college students' cash lending launched by Shanghai Zhuxin Finance. The biggest feature of the Android version of Lightning Learning Loan is that it can help college students solve their urgent needs. No matter they need urgent money in life, study and entertainment, they can use lightning loan to borrow. Lightning Learning Loan provides college students with loans ranging from 300 yuan, 500 yuan and 800 yuan, and it also makes a flexible repayment cycle as short as 7 days and as long as 15 days according to college students' spending power, which is very convenient.
However, it is suggested that college students should not spend in advance and use online loans, which will have a great impact on themselves if they are overdue.
I hope this answer can help you.
Can college students borrow money to buy a house?
Legal analysis: No, legally speaking, college students are adults and independent individuals, but students have no stable income. Therefore, when the bank evaluates its repayment ability, the students belong to the non-repayers. So there is no way to apply for a house loan from the bank. In this case, although you can't buy a house in your own name, you can buy a house in the name of your children, and one of your parents will repay it as a borrower. The loan amount is determined by the income of one parent, and the loan period can be determined according to the age of the student.
Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender. Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity with China nationality (or authority); The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit, and should meet the following requirements: 1. The borrower has the ability to repay the principal and interest on schedule, and has paid off the original loan interest payable and the loan due; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic deposit account or general deposit account has been opened. Four, except as stipulated by the the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets. V. The borrower's asset-liability ratio meets the requirements of the lender. Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
How many years will it take for college students to pay off their loans after graduation?
Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month without paying the principal; From the third year to the sixth year after graduation, you need to repay the principal and interest at the same time every month. From the third year to the sixth year, divide your total loan by 48, which is the monthly principal payable. It must be paid off in full within six years after graduation.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
How much can college students borrow from the bank and how to calculate the interest?
If you need to apply for a national student loan, the loan amount is as follows:
Full-time college students (including students with second degree and higher vocational education) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.
Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.
The loan interest payment terms are as follows:
During your study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. During the school period, if you drop out of school due to force majeure and other reasons, you can apply for preferential treatment.
After graduation, the interest generated by the national student loan will be paid by you monthly, starting from the first interest settlement date after graduation. When you graduate, suspend school, drop out of school, or have your student status cancelled according to the Regulations on the Administration of Student Status in Colleges and Universities, you will pay all interest from the interest settlement date of the first month after completing the relevant procedures. If you fail to repay the loan principal and interest in time according to the regulations, the loan handling bank of Bank of China may charge a penalty interest on your default repayment amount, and you should repay it in full.
Please consult your university or Bank of China loan handling bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
Formal loans that college students can apply for.
First, student loans. The student loan for college students is issued to students with financial difficulties, which is used to pay for tuition and accommodation during their stay at school. This kind of loan is divided into two categories: one is the national student loan, and the other is the student source credit student loan.
Secondly, college students' entrepreneurial loans are mainly used for college students with entrepreneurial needs. They are unsecured and unsecured credit loans issued by banks and other financial institutions to college students. College students' entrepreneurship loan is specially set up to encourage college students to start their own businesses. The application conditions are 18 years old, college degree or above. Fresh graduates or college students who have graduated for less than 2 years can apply. The loan cost of this kind of loan is relatively low, and the loan amount is related to the credit rating. Provided by way of guarantee or mortgage (pledge), with a term of 1-2 years, and no financial discount after 2 years.
General consumer finance loans are generally not open to college students. Because consumer finance loans mainly lend money to users with consumer demand, as college students, they should control their consumer demand reasonably without income.
How do college students get loans?
1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to apply for a national student loan? 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); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval 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 examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.
The introduction of long-term loans for college students ends here.