Renew the loan, graduate students can, graduate students have scholarships, there is no need to borrow, although they can continue to borrow through some channels, but if they just finish reading, the repayment pressure will be greater, and it will be one-off. All the suggestions are that you should ask the government for help. After all, your family condition is.

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 colleges and universities in China 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, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. 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. The loan is used to make up for the shortage of various expenses during the school period and will be repaid in installments after graduation. The loan amount of the loan fund for undergraduates does not exceed 8000 yuan. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year.

Application method: 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.

Application conditions: the supporting object of student-origin student loan must meet the following conditions:

1. has the nationality of the people of China;

Abide by the law;

3. Full-time ordinary colleges, higher vocational schools and junior colleges that have been approved by the relevant provisions of the state have been officially admitted, and they have obtained real freshmen or college students;

Although you can continue to borrow money through some channels, if you have just finished reading and studying, all suggestions should go to the government.

Second, how to handle the first loan for college students

There are two kinds of interest-free loans that college students can apply for: student loans and entrepreneurial loans.

I. Student loans

1, application conditions

The national student loan is applicable to full-time junior college students with financial difficulties who are studying in institutions of higher learning in People's Republic of China (PRC) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province). At the same time, students applying for loans must also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no illegal acts; ③ Good academic performance; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ Honesty and trustworthiness; ⑥ Can provide guarantees that meet the requirements of banks; ⑦ Open a current savings account in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.

2. Application process

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 loans with the students. For some students whose families are particularly difficult 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.

3. Students applying for loans must also provide the following materials truthfully:

(1) My valid identity certificate and photocopy (minors must provide valid identity certificate of legal guardian and written proof that the parties agree to the loan).

(2) provide proof of income of major family members or income obtained through other channels.

(3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income, and proof of agreeing to guarantee for the borrower; If legal person guarantee is adopted, a copy of the legal person business license of the guarantor, the financial statements of the last year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided. Starting from 2000, the school will relax the procedures for poor students' grant loans, and simplify the procedures at the same time, without a guarantor. Only the applicant and the bank need to sign a legally binding agreement to clarify the rights and obligations of both parties. )

Second, the interest-free commercial loan scheme.

1. Applying for an interest-free venture loan mainly meets the following conditions:

1), at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and with fixed residence or business premises.

2) The lender must hold a business license related to industrial and commercial administration, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

3) The purpose of the loan conforms to national laws and bank credit policies;

4) In the project, there is a certain amount of free funds. And opened a settlement account in the applicant bank, and the operating income will be settled by the bank in the future.

2. Application steps:

After meeting the application conditions for venture loan, the applicant submits an application to the Personnel Bureau with relevant materials, and the person in charge of the Personnel Bureau conducts a preliminary examination. After the preliminary examination is passed, the personnel bureau will issue the form and evaluate the applicant's entrepreneurial ability. After the preliminary examination is passed, the local personnel bureau will review the applicant and submit it to the local authorities for guarantee. Guarantee to the applicant, the applicant carries the above information to the bank for approval. After approval, an agreement can be signed to handle the loan.

3. What does it mean for Yichang merchants to turn to public first loans?

The first loan from commercial loan to provident fund loan is the first time to use provident fund loan.

Yichang commercial-to-public loan business refers to the continuous, timely and full payment of housing provident fund by the provident fund deposit institution in Yichang area for more than 6 months (inclusive), and the paid employees with normal account status purchase the first set of self-occupied houses (first-hand houses and second-hand houses) and their houses are in Yichang area, and apply for a house purchase loan from Yichang commercial bank and obtain a certificate of immovable property rights. In the case of meeting other conditions for the central business to transfer loans to the public, the application to the center for the transfer of loans to the public shall be examined and approved by the center.

4. How to apply for a student loan of 202 1? Overview of the first loan and renewal process

202 1 Carry out the work of student-origin loan. If college students want to apply for a loan, they must understand the application process and prepare all the necessary materials. How to apply for a student loan from 202 1? There are two types of student loans: the first loan and the renewal loan. The handling process is different. Let's have a look.

How to apply for a student loan from 202 1? First, the application process of the first student loan: the first student loan needs to be handled in the county-level financial aid center, and remote loan renewal is not supported. The process is as follows: 1. Enter the student loan information network of China Development Bank and register the student online service system according to the prompts. 2. Fill in the loan application form online, print it out and sign it by the loan student. 3. Loan students and * * * lenders bring loan application forms, original ID cards, household registration books and admission notices to the local county-level funding center to submit applications, sign loan contracts on the spot after passing the examination, and receive loan receipts. 4. Students take the loan receipt to the school, provide it to the teachers in the financial aid center of the school and enter it into the system. 5. After the unified audit by China Development Bank, the loan will be paid to the Alipay account specified in the contract according to the amount received. Second, the student loan renewal application process can be handled on the spot. If the county-level fund center opens the remote loan renewal business, it also supports remote processing, and different processing channels have different processes. 1. Go to the student loan information network of China Development Bank, log in to the student online service system, fill in the loan information online according to the prompts and submit the renewal statement, and export the loan application form after the teacher has passed the examination. The student or * * * carries the original ID card and the application form with the lender, signs a contract at the county-level help center where the household registration is located, and then returns to school to hand over the receipt to the university teacher for entry into the system. 2. Log in to the student online system remotely, fill in the loan application and loan extension statement, choose online processing, use Alipay APP to scan the QR code to complete the identity authentication, submit the application, wait for the teacher of the county-level financial aid center to review, and send the receipt to the university teacher to enter the system. The above is the introduction of "202 1 How to Apply for Student Loan", I hope it will help you.