How do college students borrow money from banks?
First, student loans. If students apply for student loans, they can apply to local banks, and of course, they can also ask schools to apply for national student loans on their behalf. Student loans are policy loans and enjoy certain loan interest discounts.
Second, venture loans. If students want to start their own business instead of finishing their studies, they can apply for a business loan. Of course, only qualified students can apply. For example, he must have a college degree, and he still has no job six months after graduation.
Third, consumer loans. If students apply for loans for personal consumption rather than finishing their studies or starting a business, it is more difficult to apply. Because lending institutions have requirements for the repayment ability of applicants.
Second, what do college students need to borrow from banks?
The loan amount, term and interest rate shall not be less than 1 1,000 yuan/person/year and not more than 8,000 yuan; The application amount cannot exceed the total tuition and accommodation fees. The longest loan term shall not exceed 14 years. The interest rate is based on the benchmark interest rate of RMB loans stipulated by the central bank. The interest during the school period is fully subsidized by the finance, and the interest after graduation is borne by the borrower.
Third, college students, how to get a loan from the bank?
The biggest discount for college students to start a business is tax exemption for three years. Both student loans and business loans are supported. Easy Loan There are many kinds of loans in China, among which college students' credit loan is an innovative loan product. No mortgage, no guarantor, fast loan and convenient personal loan scheme for college students. The object of college students' credit loans: college students, college students who graduated for two years, and so on. You can borrow up to 200 thousand.
Application material
A) identification; B) Student ID card and report card (students in school); C) Diploma and degree certificate (graduated); D) List of frequently used bankbooks or bank cards (in the past six months). E) Other credit certificates (if any): scholarship certificate, certificate of class cadres, certificate of community activities, and certificates of various honors/social rewards, such as blood donation and voluntary teaching.