Applicants for industrial student loans are mainly students who have reached the age of 18. Xingye student loan is suitable for some families who are short of money, under great economic pressure and have students at home.

1. Applicants for industrial student loans must be students with the age of 18.

Applicants for student loans must be at least 18 years old and have full capacity for civil conduct. The objects of industrial student loans include: senior high school entrance examination students and college students, including doctoral students, graduate students, undergraduate students, junior college students, vocational school students, international students and their parents, but international students are only for students studying in China, excluding foreigners.

Two, apply for industrial student loans to provide proof of income credit report.

Parents of students applying for industrial student loans are borrowers, and students themselves are borrowers. Considering that the loan has certain risks, the bank will require students applying for student loans to provide their parents' credit reports, which should be good and have no bad credit records. Credit report is directly related to the success of student loans. Therefore, as the main borrowers who apply for student loans, parents of students who apply for student loans should be honest and trustworthy, law-abiding, have legitimate jobs, have stable economic income, and can provide income certificates or bank salary income for nearly one year. Because of applying for a student loan, the bank should consider whether the applicant has the ability to repay the loan principal and interest on time.

Three, industrial student loan applications need to provide effective guarantee measures recognized by the bank.

On the other hand, for the student loan applicant, the bank may also require the applicant to provide effective guarantee measures recognized by the bank, such as effective mortgage or guarantee measures for real estate, vehicles and other properties. The use of student loans should comply with the provisions of the bank, and the bank has a designated scope of use for student loans and cannot misappropriate them at will. The student loan applicant also opens a personal savings account in the loan bank and deposits a sum of money into the savings account. The amount deposited in the savings account shall not be less than the down payment of the specified proportion of the total consumption, as well as the expected mortgage registration fee, notary fee, insurance fee, etc.

Based on the above requirements, applying for industrial student loans should also meet other relevant requirements of Industrial Bank for applying for student loans.