Data proof includes three aspects: 1, and identity information category: the second-generation ID card of myself and my family.

, household registration book, contact information and proof of address; 2. Proof of repayment ability: proof of fixed income.

Ming (such as: work permit, income certificate), self-employed

Class A income certificate (business license and other industrial and commercial information are required)

), proof of fixed assets (such as real estate license and driving license)

3. Personal credit report (if you borrow more than 5,000 yuan, you should show it.

)! Fast loan application channel:

Second, what are the conditions for college students' loans?

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 a loan contract with the students. For some students whose families are particularly difficult and unable 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; Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest 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. Since 2000, the school will relax the procedures for granting loans to poor students, and at the same time simplify the procedures without a guarantor. Only the applicant and the bank need to sign a legally binding contract 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 issued by the relevant industrial and commercial administrative authorities, engage in legitimate 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), investment projects, 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 passing the preliminary examination, the Personnel Bureau will issue a recommendation 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 guarantee institution. The guarantee institution guarantees the applicant, and the applicant carries the above information to the bank for examination and approval. After approval, an agreement can be signed to handle the loan.

3. What are the requirements for college students' loans?

Full-time undergraduates (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities have the following subsidies: ① family financial difficulties; (2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards; (3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy, law-abiding, no illegal behavior; ⑤ Study hard and be normal.

: Apply for a student loan. Students must submit a loan application to the bank through the school in the new school year. The school first examines the qualifications of the national student loan application materials submitted by students to ensure their integrity, authenticity and legitimacy. The preliminary examination will be completed within 20 working days after receiving the application for student loan.

This work will be publicized for 5 days, and any problem will be corrected. After the first trial was correct, the school arranged to stamp the official seal on the 10 request confirmation form, inform the students of the inspection results, and make the "National Student Loan Student Audit Information".

2. The bank approves the loan application. The handling bank will deliver the signed loan contract to the school within 15 working days after receiving the loan contract and the debts due from the school. The school also gives loans to students.

3. Sign a loan contract. After the loan application is approved, the school will arrange for students to fill in and sign the loan contract and IOUs and submit them to the handling bank according to the loan situation submitted by the handling bank. After receiving the loan contract and the debts due from the school, the handling bank shall complete the signing work within 15 working days, and deliver the signed loan contract to the school for arrangement within 5 working days. 4. The borrowing bank issues loans. The bank applies for a debit card or current passbook for each student. One-time credit installment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans for one school year according to 10.

5. repay the loan on time. Students who borrow money should pay attention to personal credit and repay on time.

2 the consequences of college students' loan default

(1) If the borrower of the national student loan fails to repay the loan in accordance with the time limit and amount stipulated in the repayment agreement signed with the handling bank, the amount of penalty interest;

(2) The handling bank will enter the default information into the basic database of personal credit information of the People's Bank of China, and take restrictive measures against the defaulting borrowers who intend to default, and will not provide financial services such as housing loans and auto loans. Departments and banks will publish their names, citizenship numbers, graduation schools and specific violations through news media, internet and other information channels.

(4) The lender who seriously breaches the contract also