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.

How do college students borrow money to go to school?

You can apply for a student loan, and the specific methods are as follows:

I. Online service system for registered students:

Log on to the National Development Bank's student-origin student loan information network (www, csls, cdb, com, cn) and register the student-origin student-origin online service system (student-origin);

Second, fill in the application form:

Fill in the application form online, export and print it after filling it out, and sign it by the borrowing student himself;

Third, build official seal:

The application form needs the official seal of the qualification examination unit. General qualification examination units include village (neighborhood) committees, township (street) civil affairs departments or any unit that originally graduated from high school. Please consult the county aid center where your household registration is located. Note: No official seal is required for pre-application of senior high school.

Four, the required materials:

1. application form signed and stamped by the borrowing student;

2. The original and photocopy of the borrower and the borrower's ID card;

3. A copy of the admission notice or student ID card;

4. Original residence booklet; Note: if the student and the borrower are not in the same household registration book, the original household registration books of both parties are required;

Verb (abbreviation for verb) sign a contract:

Borrowing students and * * * bring the materials needed by the borrower to the county-level help center where the household registration is located to sign the contract and receive the receipt.

Six, submit the receipt:

Borrowing students will give the receipt to the university teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10.

Tips: If the original student ID card is lost, it can be reissued with the student ID card issued by the university, and the county-level financial aid center keeps the original student ID card. Students can log on to the student loan information network of China Development Bank and click on the introduction of student loan on the left side of the online service system of students' origin to view the scope of student loan.

How do college students get loans?

There are two situations, as follows:

1. College students applying for student-origin credit student loans must meet the following conditions:

(1) A natural person with full capacity for civil conduct.

(2) Have a permanent residence ID card and a detailed address of the school and its department.

(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.

(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.

(5) Other conditions stipulated by the lending bank.

2. Application conditions for college students' entrepreneurial loans

(1) College degree or above;

(2) Those who have not been employed for more than 6 months after graduation and have registered for unemployment in the local labor and social security department;

(3) When applying for such loans, three points are more important:

First, the loan applicant must have a fixed residence or business premises;

Second, business license and business license, stable income and ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

How to get a university loan?

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.

1. Full-time undergraduates (including vocational college students), second-degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:

(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 able to complete your studies normally.

After the beginning of the new school year, students apply for loans from banks through schools. The following materials are required:

(1) national student loan application;

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);

(3) my explanation of the family's financial difficulties;

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount:

In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.

4. Loan approval:

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

5. Loan issuance:

The national student loan is in the form of one application, one credit and installment payment, 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. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest:

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

7. Repayment period:

The maximum loan period is 20 years, with a grace period of 3 years. During the grace period, only the interest needs to be repaid, not the principal.

Extended data:

Consequences of default of national student loan:

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest for the amount of default repayment;

2. The handling bank will enter the default information into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans;

3. For borrowers who have seriously defaulted on repayment, relevant administrative departments and banks will announce their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels;

4. Lenders who seriously breach the contract will also bear relevant legal responsibilities.