1, lightning loan, characterized by flexible loan amount, provides loans for college students from 300 yuan, 500 yuan and 800 yuan, and provides repayment cycles as short as 7 days and as long as 15 days according to the repayment ability of college students. 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.

When I come to apply for a loan, I can complete the loan application online. Users only need to provide personal information, without signing an offline contract, they can get a loan amount ranging from 300 to 6,000 yuan. Users can repay the loan in installments from 1 month to 12 months.

3. Meow Meow Loan is an installment service shopping platform. At present, it has signed contracts with Store 1, China Telecom, Gome Online, Yintai Group, Honeycomb, Tongcheng.com, Brokerage Mom, Woying Workplace, Yuemei.com, Haixuan.com (an overseas purchasing platform) and other platforms. College students can buy their favorite goods on it and buy them in installments. 4. You have money to spend. You have money to spend is Baidu's lending platform. You can borrow 200,000 yuan on it. If your credit limit is up to standard, you can also borrow 200 thousand. Of course, then again, most people can only borrow a few thousand dollars if they have money to spend.

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Advantages and disadvantages of bank loans:

1. At present, there are many preferential policies for bank loans, especially for SMEs. At present, many banks still follow the call of the corresponding countries. Bank loans are accelerating. As long as you submit the loan information according to the requirements of the bank, you can get the bank loan quickly.

2, low cost, generally speaking, it is a channel with the lowest loan cost on the market. The interest rate of general loans is determined according to the specific circumstances. Generally, loans with high credit have low interest rates, and those with low credit will have high interest rates. The source of funds is stable. For banks, we should know that their strength is very advantageous and their funds are sufficient. For small and medium-sized enterprises, as long as they apply for loans, they will sign contracts and issue loans immediately.

3. Higher credit requirements. Enterprises and enterprise legal persons need to have high credit records. Otherwise, it will be difficult to pass the audit. Wo Bao concluded: Therefore, in the face of numerous loan methods, we should choose the one that suits us best and pay off the loan arrears in time. This is also a good accumulation of your own credit, which is convenient for future loans.

There are many procedures, and the bank's loan business is relatively complicated. The requirements for collateral are relatively strict. Bank loans need collateral or third-party guarantees for small and medium-sized enterprises, and the requirements for collateral are relatively strict.

What is the maximum amount of student loan for college students?

Full-time college students: each person applies for a loan amount of 1000 to 12000 yuan per year; Full-time graduate students: the amount of loans each person applies for each year ranges from 1 1,000 yuan to 1, which varies from 600 yuan. The specific amount of student loan for college students is subject to the actual application results.

The maximum loan for national student loans per person per semester shall not exceed RMB.

Full-time undergraduates (including second bachelor's degree and higher vocational students) shall not exceed1.2000 yuan per person per year, and the loan amount of full-time graduate students shall not exceed1.6000 yuan per person per year. The money needed for student loans is used to pay tuition and accommodation fees during the school period, and the excess can be used to make up for daily living expenses. The loan will be paid to all students' Alipay accounts, and then the loan system will automatically deduct the tuition and accommodation fees to the settlement accounts provided by colleges and universities.

Student loan application process

First, apply. Students apply for student loans, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.

II. Trial Measures for School Agency Loans. School institutions organize students to apply for loans within the annual loan amount and control ratio issued by the National Student Loan Management Center, accept student loan applications, and conduct preliminary examination of loan materials submitted by students.

Three, the handling bank for loan approval. After the school agency has passed the preliminary examination, it will submit the relevant materials to the handling bank for loan approval.

Fourth, bank approval.

5. Sign a loan contract. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

Sixth, issue loans. The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.

College students' venture loan quota

Local governments and financial institutions have different policies on college students' entrepreneurial loans, and the loan amount is also different:

① The amount of entrepreneurial loans for college students in Shanghai: generally, it is between 300,000 yuan and 300,000 yuan, and the scale of operation and qualifications affect the loan amount;

② Beijing university students' entrepreneurial loan amount: the maximum loanable amount is 500,000;

(3) Fujian college students' entrepreneurial loan amount: the maximum loan amount is 300,000, and the majority loan amount is 65.438+10,000;

(4) The amount of entrepreneurial loans for college students in Chongqing: within 20,000 for individuals, up to 50,000 for two persons and up to 400,000 for partnership entities.

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College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. College students' entrepreneurship loan is a preferential measure provided by the state to college students. Special loans issued by individuals who need to have certain production and operation capabilities or have engaged in production and operation activities, apply for start-up or restart funds, and are recognized by banks as effective guarantees. You can get a single loan of up to 500,000 yuan, and the term of the venture loan is generally 1 year, and the longest is no more than 3 years.

Application material

1, identification;

2. Students need to provide student ID cards and school transcripts;

3. Graduates must provide graduation certificates and degree certificates;

4. List of bankbooks or bank cards frequently used in the last 6 months;

5. Other credit certificates (if any): scholarship certificate, class cadre certificate, community activity certificate, various honor certificates/social return certificates, such as blood donation and compulsory education.

And:

(1) Proof of repayment ability of the applicant for college students' entrepreneurial loan, such as personal or family income and property status;

(2) Identity documents (including the original resident ID card, household registration book or other valid residence documents) and proof of marital status of the college students' entrepreneurial loan applicants and their spouses;

(3) Guarantee materials for college students' entrepreneurial loan applicants: ownership certificate and list of collateral or pledge, consent certificate of mortgagee (pledge), and collateral (pledge) evaluation report issued by the bank.

(4) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as agreements, contracts or other materials related to the purpose of the loan;

Application procedure

1. Please consult the Banking Department for matters related to college students' business loan application;

2. The procedures for obtaining a business license are as follows:

(1) Go to the registration hall of the municipal industrial and commercial bureau and the county industrial and commercial bureaus to get the registration form.

(2) Apply to the registration authority for pre-approval of the registered company name;

(3) Fill in the company registration form, submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.

How much can college students borrow?

College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees.

1. application time and deadline: consult the local funding center. Time varies from place to place.

2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.

3. Application materials: Take the application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of co-borrower (the student's hometown), and go to the county-level financial aid center to apply for a loan with co-borrower.

4. Loan renewal: I or any party in co-borrower can apply for loan renewal at the county student aid center with my ID card and application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.

Extended data:

Measures of China People's Bank for the Administration of Student Loans:

Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.

Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.

Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.

Article 9 The repayment method of student loans is flexible, which can be repaid in advance, the interest can be paid off together with the principal, and the repayment can be made in installments (year, quarter and month). The specific method shall be agreed by the lender and the borrower and specified in the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.

Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be jointly agreed by the school where the lender or borrower is located and the discount party.

Article 11 A borrower shall abide by his credit. If you drop out of school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.

Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.