College students can apply for loans from banks as long as they meet the requirements.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Note: Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.

Quota requirements: generally, the amount of venture loan is required: the maximum amount shall not exceed 70% of the total amount of funds 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.

Tax exemption policy: College graduates (including junior college students, undergraduates and graduate students) who are engaged in self-employment are exempt from the registration fee for self-employment, the management fee for self-employment and the cost of demonstration text of economic contracts. Within 1 year from the date of approval of operation. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. The specific preferential policies depend on your local government.

Can I get a loan for my undergraduate diploma?

You can't apply for a loan just with your diploma.

To apply for a bank loan, you need to prepare materials:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Conditions for applying for bank loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.

Bank loan procedures:

1, loan application. Borrowers apply for loans from local banks.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

Can college students get loans?

Of course, college students can, and there are interest-free loans for students. That loan is interest-free while at school. Interest began to accrue after graduation, and the interest rate was not very high. There are five thousand and eight thousand. You can borrow money according to your own situation.

Don't go to some unknown places to get some strange loans. Loans must flow to formal institutions.

Going to some unknown institutions is bound to enter a full set of non-hairy elements, and then bear huge interest. In short, we still have to refuse campus loans, and youth is not in debt.

General schools will organize some publicity activities for student loans. Students who don't know can go and see. For specific policies, they can also ask counselors or other students in the class who have successfully applied for student loans.

Can I get a loan for my undergraduate diploma?

In principle, university diplomas cannot be loaned, but now the loan conditions of banks will be slightly wider. In this case, Yu Di is a credit loan. Now it has nothing to do with whether you have a college degree or not. For example, if you are an adult and apply for a credit card, your credit card consumption and repayment records will become a benchmark for credit loans.

Can college students borrow money to study?

According to the latest data, full-time undergraduates can borrow 12000 yuan a year, and graduate students can borrow 15000 yuan. If college students borrow money to study, they apply for student loans, including national student loans and student loans. The interest-bearing methods of the two loans are the same as those of other loans, and they all bear interest according to the loan amount, loan interest rate and loan term. The interest rates of national student loans and students' student loans are also the benchmark interest rates for loans in the same period stipulated by the People's Bank of China. As for the benchmark interest rate of central bank loans: all loans: 4.35% within one year (including one year), 4.75% from one year to five years (including five years) and 4.90% over five years; Provident fund loans: less than five years (including five years): 2.75%, more than five years 3.25%. Because the student-origin student loan is a commercial loan, and most students begin to repay the loan principal and interest in installments according to the loan contract after two years of normal schooling, the interest rate of the student-origin student loan will generally be 4.90% and will not rise. During the study in school, the interest on student loans is fully subsidized by the government, and students need to bear the responsibility of paying loan interest after graduation.

There are three main ways for college students to apply for business start-up loans: directly applying for loans from banks, applying for discount loans for small and medium-sized science and technology enterprises, and using new technological achievements or intellectual property rights and patents as security loans. However, because banks are very strict in examining personal loan applications, especially paying attention to borrowers' repayment ability, and college students have just started their own businesses, it is difficult for them to obtain the loans they need. College students are advised not to apply for loans in the first way. College students' entrepreneurship loan is a preferential measure provided by the state to college students. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. Individuals who have certain production and operation ability or have engaged in production and operation activities.

2. Application process of business start-up loan: Graduates first apply for small-sum secured loans to the local people's social security bureau, fill in the Pre-examination Form of Small-sum Secured Loans for Laid-off and Unemployed Persons, and then submit their identity documents, employment unemployment registration certificate, pre-examination form of small-sum secured loans for laid-off and unemployed persons and a copy of their business licenses to the bank handling small-sum secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the general bank will give a reply within 5 working days after submitting the information.

How much can I borrow from undergraduate student loans?

If you need to apply for a national student loan, the loan amount is as follows:

Full-time college students (including students with second degree and higher vocational education) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.

The loan amount for full-time graduate students shall not exceed 12000 yuan per person per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.

The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.

The loan interest payment terms are as follows:

During your study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. During school, those who drop out of school due to force majeure and other reasons may apply for preferential treatment.

After you graduate, the interest generated by the national student loan will be paid by you on a monthly basis, starting from the first interest settlement date after graduation. When you graduate, drop out of school, or cancel your student status according to the Regulations on the Administration of Student Status in Colleges and Universities, you shall pay all interest from the interest settlement date of the first month after going through the relevant formalities. If you fail to repay the loan principal and interest in time according to the regulations, the loan handling bank of Bank of China may charge a penalty interest on your default repayment amount, which will be paid in full by you.

For more information, please consult your university or Bank of China loan handling bank.

The above contents are for your reference. Please refer to the actual business regulations.