First, the age is up to standard

At least 16 years old, with full capacity for civil conduct (/kloc-minors under 0/8 years old must obtain the written consent of their parents or other legal guardians to apply for student loans).

Second, identity compliance.

Only freshmen, postgraduates and students with a second bachelor's degree who have China nationality and have been formally admitted to full-time undergraduate colleges, higher vocational schools and junior colleges in the central and regional areas, and have obtained a true, legal and effective admission notice, can apply for student-origin loan.

It should be noted that to apply for a student-origin credit student loan, the borrower must also have the household registration in the same county (city, district) as his parents (or other legal guardians) before entering school.

Third, obey the law.

Borrowing students need to be honest and trustworthy, and there is no violation of law and discipline; And study hard so that I can finish my studies normally.

Fourth, family poverty.

The income that families can earn is not enough to pay the tuition and accommodation fees that borrowers need to complete their studies during their school days, so the economy is very difficult.

Family poverty should generally meet one of the following basic characteristics:

1, poor households in rural and pastoral areas, low-income households, and poor households with established files; Poor families in old, young, marginal, poor and remote rural pastoral areas;

2. Families of orphans and disabled persons; Family members suffering from major diseases; The creator of the family's main income loses the ability to work for some reason;

3. Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses;

4. Single-parent families with no stable income; Families where one or both parents are unemployed.

How to apply for interest-free loans for college students?

The application process of college students' interest-free loans is that students apply by themselves, which is generally the same as the direct application of schools, and then the school institutions conduct the preliminary examination of loans. If the school thinks it meets the requirements, it will submit these loan materials to the corresponding bank, and the bank will directly sign a loan contract with the students themselves, and then lend money, and the students will begin to repay after graduation.