First, the common formal apps that can borrow money are Alipay, WeChat, Anyihua, and your loan.
1, Alipay: Alipay is the most common payment software. You can apply for a loan by clicking Ant Borrowing on Alipay my page, but Ant Borrowing is only open to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The big database behind the platform will provide different quotas for different users according to sesame credit scores. The maximum amount can be up to 300,000 yuan, and the longest repayment period is 12 months, which supports loan-as-you-go repayment.
2. WeChat: Log in to the WeChat client and click My-Pay-Micro-Loan in turn to borrow money. Microfinance is only open to some users. If you don't see the micro-loan on the payment page, it means that it is not open to the user at present.
3. Anyihua: Anyihua is a credit product of Instant Consumer Finance Company, and the loan amount ranges from 1 1,000 to 50,000 yuan.
4. Your loan: Your loan is a peer-to-peer lending platform. You can apply for a loan by downloading the loan app on your mobile phone.
Second, what should I pay attention to when borrowing an app?
First, reasonably choose the amount and duration of the loan. The loan amount needs to be determined according to your own economic situation, and you need to consider your own economic repayment ability to avoid excessive repayment amount and excessive pressure. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so try to choose a loan with time and interest within your repayment ability according to your own situation.
Second, we must carefully check the relevant contracts of the online lending platform to avoid regulations that are not in line with our own reality or are unacceptable to us.
Third, be rational when repaying. In the case of being able to repay each loan, it is best to use the remaining funds for other aspects of investment, so as to obtain the maximum income. Many people who have been cheated by online loans have not carefully read the relevant contracts and regulations, which makes them unable to have a good legal advantage when winning the case. If you are a college student, it is not recommended to use online loans, because you have little experience and can't tell the difference between true and false, and you are likely to be tempted by fake online loans, resulting in heavy debts. Article 26 of the Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases promulgated by the State Council defines the interest rate ceiling and the rights of lenders in the lending relationship.
Where can college students get loans?
1, bank loan. With the continuous development of social economy, college students can apply for loans directly from banks. The advantage of bank loans is that the amount is large and the application threshold is low. In other words, the success rate of college students' loans is relatively high. However, the bank loan threshold is higher. College student loans require applicants to provide their identity certificates, work certificates, student ID cards and other materials. 2. Loans from loan companies. The loan threshold of a loan company is lower than that of a bank, but not every student can apply for a loan. The loan threshold of college student loan companies will be lower than that of banks.
Where can I apply for a college loan?
The places where college students apply for loans are:
1. Management Service Center of College Students Pioneer Park, where you can apply for college students' entrepreneurial loans;
2. The Education Bureau of the place of origin can handle the national student loan;
3 student financial assistance management center, you can apply for student credit loans.
College student loans have gradually become the main service for major online lending companies to develop college student customers. College students' self-employment, installment consumption, education and training and other aspects of consumption expenditure make them become high-consumption groups with no fixed income, which makes them have a strong demand for loan services. However, the student loans and entrepreneurial loans provided by the national government with harsh conditions and troublesome applications can no longer meet the loan needs of today's college students.
Requirements for loan term and amount:
The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.
Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Loan repayment method:
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the profits will be paid off with the principal;
2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. The relevant preferential policies depend on your local government.
Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.
Where can I apply for a college student loan?
To apply for a college student loan, you can do the following: 1. Freshmen who have received the letter of admission apply to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where their household registration is located, and the local financial assistance center signs a loan contract, and after approval, a contract receipt is issued; Give the contract receipt to the school at the beginning of school. After the school enters the information, the contract receipt will be sent back to the county-level funding center where the student is located. The local financial aid center will prepare a summary table and submit it to the provincial student financial aid management center, which will submit it to the handling bank for approval before lending. 2. College students log on to the National Development Bank's student loan information network, enter the student online service system, select new options in the loan application column, submit an extension statement, choose the acceptance method of online signing, agree to the National Development Bank's student loan extension remote acceptance agreement, and sign electronically. The system will automatically generate the contract preview information, and complete the identity authentication through Alipay after confirming that the information is correct. As for the amount that can be applied, undergraduates and postgraduates are different: 1. In principle, the loan amount that full-time undergraduates can apply for each academic year should not exceed 1.2 million; 2. The maximum loan amount for full-time graduate students per academic year shall not exceed 16000. How to repay the college student loan? After graduation, students need to start repaying their student loans. Student-origin student loans are repaid through Alipay account. It should be noted that the normal repayment date of student-origin student loans is before 65438+February 20, and the repayment date of the last year is before September 20. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month.
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 jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. 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.