The first is the student loan. 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 loans are specially set up to encourage college students to start their own businesses. The application conditions are 18 years of age or above, college graduates or college students who have graduated 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. It is provided in the form of guarantee and mortgage (pledge), with a term of 1~2 years, and will not enjoy financial discount after 2 years.
General consumer finance loans are generally not open to college students. Because consumer finance loans are mainly aimed at users with consumer demand, as college students, they should control their consumer demand reasonably without income.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
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.
Interest:
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.
Repayment method:
(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;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
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.
What college student loan platforms are there now?
1, small and micro learning loan app. Micro-learning loan is a special loan product for college students. The loan amount is the lowest in 200 yuan, and the highest is 2000 yuan. According to the repayment ability of college students, we provide a flexible repayment cycle with a minimum of 7 days and a maximum of 30 days. If the loan is approved, the money will be transferred to Alipay account, which will arrive in about 1 hour. The interest rate is one thousandth of the daily interest rate.
2. classmate loan app. The classmate loan app is a platform for college students to provide cash loan services in emergency turnover, holiday travel, education and training. There are a number of graded products under its banner, among which the "mini loan" amount is 600-5,000 yuan, and the longest loan term is 12 months; Emergency wallet "500 yuan, interest-free within 7 days; The interest-free amount of venture capital funds is up to 5000 yuan.
3, lightning learning loan app. Lightning Learning Loan app is a cash loan service launched by Shanghai Zhuxin Finance. The loan amount of Lightning Learning Loan is flexible. For college students in 300 yuan, 500 yuan and 800 yuan, the repayment period is as short as 7 days and as long as 15 days according to the repayment ability. Pure online operation, the loan is directly transferred to Alipay, and the next payment will arrive in about 10 minutes. You can borrow it and return it.
4. The ant borrowed it. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay. The longest repayment period of the loan is 12 months, and the expected annualized interest rate on the loan day is 0.04%, which is also aimed at young people.
5.JD.COM gold bars. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.
What are the hazards of college students' campus loans?
Campus loan is a kind of nature. Criminals aim at colleges and universities, taking advantage of the poor social cognitive ability and psychological fragility of college students. I sorted out the dangers of college students' campus loans, welcome to read!
The Harm of Campus Loan
Recently, the Gulou police received an alarm about campus loans for help.
In the new semester, in the university campus, a large number of loan staging platforms of various sizes have flooded in, and campus loan accidents have also occurred frequently.
On March 10, a college student borrowed a campus loan from an online lending platform and failed to return it as scheduled, and was maliciously threatened by debt collectors.
"Someone sent me threatening text messages, saying that if I don't repay on time, I will tell my parents and the dean that someone will follow me. I have been desperately borrowing money, but the low interest rate mentioned at the beginning is not the case at all, saying that I don't have to bear the handling fee and late payment fee. I borrowed more than 1000 years ago, and I have to pay back more than 2,000 yuan in less than 2 months. I feel that I have fallen into a trap and I am getting deeper and deeper. " The unbearable Zhou had to call the police for help.
Gulou police said that the police will intervene, warn and stop illegal acts that may threaten Zhou's personal safety.
The police said that they disapproved of college students taking out loans in order to spend money or do business in advance. This kind of loan will increase their pressure, and college students should live within their means.
In fact, campus loans have many security risks for college students with low social prevention. Gulou police summed up the five hazards of campus loans:
1 "low interest" is not credible.
At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.
The more convenient it is, the easier it is to "grab"
Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.
3 Once overdue, the dunning is "all-round"
In some cases, once a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.
4 easy to breed lending habits
Some students love to keep up with the joneses and have bad habits, so the expenses provided by their parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.
5. It is easy to induce other crimes.
Lenders may use students' collateral and deposits on campus, or use students' information to make phone calls and defraud credit cards.
Harm of Bad Campus Online Loan Intermediary
"Campus online loan", a very active word in recent years, is often associated with negative events such as "jumping off a building" this year. In April this year, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Peer-to-Peer Lending in Bad Campus. The concept of "campus online loan" first appeared in official documents, but the word "bad" was added in the meantime. The photos of overdue repayment were exposed, and the arrears of 600,000 jumped off the building, and the loan was forced to be extended. In the recent vicious incidents of campus loan exposure, three key words are often inseparable: overdue, collection and penalty interest.
Chaos of campus online loan intermediary: robbing Peter to pay Paul
The annual interest rate of campus online loan platform is generally between 1 1%-20%. "At first, I felt that I would lose some interest, and I will be able to pay it back when I make money later." However, a "loan" begins, and then the "loan" is endless. After that, every month or so, we have to find a new platform to borrow money and rob Peter to pay Paul.
Search for "College Student Loan" on Sina Weibo, and you can get more than 1300 such accounts. Most of the blog posts are advertisements for campus loans. The advertisement is full of temptations: "Come to me if you want to help your girlfriend empty the shopping cart", "There are dozens of loan platforms, with a maximum of 50,000 undergraduates and 30,000 junior college students, and there is no charge for any payment"?
Without the consent of the students' parents, loans may not be issued to students.
As a special branch of college students' online loan platform, campus online loan often does not need mortgage. Borrowers can apply for loans as long as they provide college students' identity information and pass the personal data review.
On August 15, the Chongqing Municipal Education Commission released a message, and the Municipal Finance Office, the Municipal Education Commission and the Chongqing Banking Regulatory Bureau jointly issued a document, listing eight negative lists for financial institutions and universities, and standardizing peer-to-peer lending behavior on campus. It clearly requires that "without the written consent of parents, guardians and other secondary repayment sources, loans may not be issued to students."
Reasons for the emergence of campus loans
Enter the words "college student loan" on the Internet, "the fastest 3 minutes to review, the next day loan", "just provide the student ID card to handle" and many other attractive information come to you instantly. At present, P2P online lending platforms for online development of student loans can be divided into several categories according to the main product types, namely, student loan platforms, student entrepreneurship loan platforms and student consumption loan platforms.
In fact, the reason why the consumer loan market for college students is so hot is mainly because college students' credit cards in banks are broken and college students have strong consumer demand.
Since China Merchants Bank issued the first credit card for students in 2002, many banks have aimed at the campus in the "staking the land" of credit cards. While the number of college students holding cards is rising, the overdue repayment rate of college students' credit cards is also rising. Because college students have no fixed income and poor self-control, there have been many incidents of college students' credit card overdraft. In July 2009, China Banking Regulatory Commission required banks not to issue cards (except supplementary cards) to students under the age of 18.
The reason why people focus on the market of college students is because the purchasing power of college students is very strong and the source of funds does not match it. Simply put, they dare to spend but have no money to spend: their income mainly depends on their parents, but collective life makes them compare and imitate each other unnaturally. In fact, open the website of the campus staging platform, iPhone6S, Xbox, high-end bags, perfume? All kinds of luxury goods are pouring in, and these high-end goods tempt college students like Pandora's box.
Click on the next page and there are more questions about campus loans.
How do college students apply? What is the specific process?
How do college students apply? The specific processes are as follows: 1. There are three forms of business start-up loans. Personal business start-up loans: Business start-up loans refer to special loans issued by individuals who have certain production and business operation capabilities or have engaged in production and business activities, and are effectively guaranteed by banks for applying for business start-up or re-start-up funds. Commercial mortgage loan: At present, many personal loans handled by banks will not be asked about the purpose of the loan as long as the mortgage procedures meet the requirements. People who need to start a business can flexibly use personal consumption loans to start a business. Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. Second, the application conditions for college students, college graduates or above; After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department. Loan Term: The small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1-2 years, after which they will no longer enjoy financial discount. Application for consulting department: The specific operation method can be consulted with the local labor and social security bureau, which is generally managed by the employment office. Third, the process of college students, first of all, the applicant needs to apply to the city talent center, and at the same time submit the relevant materials of the application, and submit them to the service window of the city talent center for verification; Next, the city talent center will verify the actual situation of the applicant and conduct a field trip. The main contents of the evaluation include: the credit status of the applicant and guarantor, production and operation, mortgaged property, etc. , need to be compiled into a "field investigation audit report"; Relevant materials submitted by the loan applicant will be submitted to the Municipal Talent Center for review. After passing the examination, it is necessary to go to the office of self-employment security for laid-off workers in the city for the record; Finally, the relevant departments will issue loans in accordance with relevant regulations and procedures. 4. Precautions for College Students' Entrepreneurship: To apply for a college student entrepreneurship loan, the applicant must meet the application conditions. Among them, having a certain amount of start-up capital for venture loans is the most important one; , when handling, you should prepare complete relevant materials to avoid wasting time in the audit. The specific materials include household survey, community certificate, loan application, business plan, unemployment certificate, copy of business license, original copy of personal or husband and wife's ID card, marriage certificate, guarantor's identity certificate, guarantor's consent guarantee commitment letter and guarantor's property certificate, etc. ; Usually, successful venture loans will enjoy discount treatment within 1-2 years. If you need to continue to apply after this period, there will be some interest charges. College students' entrepreneurship is a good way out. If they can get the upfront funds, the pressure will be reduced a lot. Therefore, we should learn more about the relevant information of college students' business loan application and see if we can apply for a loan.
How do college students apply for loans?
First, the college student loan processing flow:
1. Student application;
2. The school conducts a preliminary examination;
3. The bank carries out examination and approval;
4. Both parties sign a contract;
5. Banks issue loans;
6. Start repaying the loan after graduation.
Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their schools, and banks do not directly accept students' individual loan applications), receive the Application Form for National Student Loans, the Commitment Letter for Applying for National Student Loans and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.
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Information that the student loan borrower should provide.
1. Application Form for Personal Consumption Loan of Agricultural Bank of China truthfully filled out by the borrower.
2. A valid certificate provided by the school.
3. Personal income certificate of the owner of the real estate.
4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, the list of pledged goods, the certificate that the person with the right of disposition agrees to mortgage and pledge, the certificate of ownership or use right of the collateral, the identification and insurance documents, the certificate of pledge right and the document that the guarantor agrees to guarantee shall be submitted.
5. If the repayment guarantee is in the form of insurance with an insurance company, it shall submit a written commitment from the insurance company to handle the installment repayment of consumer loan insurance.
6, has been deposited in the loan bank not less than the prescribed proportion of the total tuition and fees, notary fees, insurance premiums and other deposit certificates.
7. The authorization letter for the transfer of funds by the entrusted loan bank shall stipulate that after the loan contract signed by the loan bank and the borrower comes into effect, the loan bank can directly transfer the funds from the borrower's deposit account to the designated payee.