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You should be clear about what kind of loan you want. We can help you solve it.
If you are a student loan, then the information you want is:
First, the national student loan
Service brief introduction
The national student loan is a RMB loan issued by China Industrial and Commercial Bank to students with financial difficulties in colleges and universities who have signed cooperation agreements in China (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province) to pay tuition, fees and living expenses. National student loans are divided into tuition and fees loans and living expenses loans according to their purposes. Tuition and miscellaneous fees loans are used for borrowers to pay tuition and other miscellaneous fees to their schools; Living expenses loans are used for the daily living expenses of borrowers.
☆ Business characteristics
The national student loan is applicable to full-time undergraduates, junior college students (including vocational college students), graduate students and students with a second bachelor's degree to ensure that poor students can successfully complete their studies.
☆ loan conditions
To apply for a national student loan, the borrower must meet the following conditions:
1, honest and trustworthy, law-abiding, good conduct, no violation of laws and regulations;
2. Study hard and be able to complete their studies normally;
3. The family has financial difficulties and is unable to pay the basic expenses needed to complete their studies during school, including tuition and basic living expenses;
4. Promise to provide the loan handling bank with changes during school and after employment;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
☆ Loan amount
The loan amount shall be implemented according to the standard of no more than 6000 yuan per person per academic year.
length of maturity
The borrower must pay off the loan within 6 years after graduation, in which the loan grace period is 1 to 2 years, but the longest loan period shall not exceed 10 years.
loan rate
The loan interest rate shall be implemented in accordance with the benchmark interest rate for loans of the same grade in the same period stipulated by the People's Bank of China. The loan interest of the borrower during the school period is fully subsidized by the finance, and the individual bears all the loan interest after graduation.
Repayment method
The average capital repayment method and the equal principal and interest repayment method can be used.
☆ Information to be submitted when applying for a loan.
Borrowing students must fill in the application form in writing and submit the following materials:
1, my student ID card and resident ID card;
2, parents and other immediate family members agreed to apply for a loan in writing, and their contact information and address;
3. I explain the family's financial difficulties;
4, township, town, street civil affairs departments to prove their family financial difficulties;
5. Freshmen must also provide an admission notice;
6. Other information stipulated by the bank.
☆ Operation guide
1, apply. Borrowing students receive the application form from their school, and the school collects all the loan application materials, and after confirming the authenticity of the materials provided by the borrower, submits the loan application materials and the school's audit opinions to the loan bank.
2. Bank review and approval. Banks investigate, verify and approve the credit status of loan applicants.
3. sign the contract. After examination and approval of the loan, the bank shall sign a loan contract with the loan applicant.
4. Issue loans. Banks issue loans according to the prescribed procedures. Tuition loans are directly transferred to the account designated by the borrower's school by the bank according to the academic year; The living expenses loan is transferred to the personal settlement account designated by the borrower.
5. Confirmation of repayment. Borrowing students submit repayment confirmation letters to schools and banks when they graduate, and promise to return the principal and interest of bank loans as agreed in the contract.
6. loan settlement. Loans from other individuals.
(The above contents are for reference only, and the specific handling standards shall be subject to the regulations of the local branch of China Industrial and Commercial Bank. In order to save your time, please consult the local industrial and commercial bank in detail before going through the relevant formalities. )
Two. General business student loan
Service brief introduction
General commercial student loans are commercial loans issued by banks to students who are receiving non-compulsory education or their immediate family members or legal guardians. Loans are applicable to students' study abroad loans and re-education loans.
Borrower's conditions
China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for general commercial student loans.
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
2. The "Admission Notice" (or "Student ID card", student status certificate) and other documents of the school where the student attends; A certificate issued by the school that students need tuition and fees, living expenses and other related learning expenses during their study;
3. Provide bank-approved property mortgage or effective right pledge or third-party guarantee with compensatory ability or meet the credit loan conditions recognized by the bank;
4. Law-abiding, no illegal acts and bad credit records;
5. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
6. Other conditions stipulated by the bank.
☆ Loan amount
The amount of commercial student loans shall be determined by the bank according to the borrower's credit status and the guarantee provided, and the maximum amount shall not exceed 500,000 yuan.
length of maturity
The shortest loan period is 6 months and the longest is 8 years (inclusive).
loan rate
The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, if the loan term is less than 1 year (inclusive), it shall be calculated according to the contract interest rate; If the loan term exceeds 1 year, it will be calculated in stages, and the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.
☆ Operation guide
1. The borrower submits the following information to the bank:
(1) loan application approval form;
(2) my valid identity certificate and a copy;
(3) The original and photocopy of the spouse's valid identity document, and written proof of consent to mortgage;
(4) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);
(5) Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
(6) Effective contact information and telephone number;
(7) loan guarantee certificate;
Loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
Where pledge guarantee is adopted, the scope of pledge includes savings deposit certificates (discounted) issued by Industrial and Commercial Bank of China, voucher-type treasury bonds, registered financial bonds, and savings deposit certificates (discounted) issued by local commercial banks that have signed pledge stop payment guarantee agreements between banks;
Where real estate is mortgaged, the mortgaged real estate shall be a house with no other pledged free property rights under the name of the borrower himself or his immediate family members, and full property insurance shall be handled;
If the third-party guarantee method is adopted, the written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit certification materials shall be provided.
(8) Personal settlement account voucher opened in China Industrial and Commercial Bank;
(9) Other information required by the bank.
2. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures.
3. The bank issues loans to borrowers through transfer.