How to apply for a student loan?

The main process of student loans is as follows:

If a student applies for a student loan:

Students apply to their school → the school conducts preliminary examination → the bank conducts relevant examination and approval → the two parties sign a contract → the bank issues loans → the loans are repaid after graduation.

The following materials are usually required:

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Conditions to be met:

1, full-time undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree in ordinary universities;

2. Have People's Republic of China (PRC) nationality and People's Republic of China (PRC) national identity card;

3. Have 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;

6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.

If students apply for non-student loans (such as commercial loans, housing loans, etc. ):

Students bring their identity documents and related materials to the bank to apply for a loan → the bank will examine the applicant's qualification after receiving the relevant application → the bank will contact the applicant to sign a loan agreement (if the lender passes the examination) → the bank will lend money → the applicant will repay the principal and interest on time.

Who should sign and seal the identification form for students with financial difficulties?

According to the latest related policies of China and CDB on 20 19, starting from 20 19, in order to save a trip for everyone, the form for identifying students with financial difficulties in families does not need to be signed and sealed, that is, this form is invalid and changed into a personal commitment letter.

How to borrow a student loan?

First, fresh graduates who want to apply for loans through lending institutions need to meet the following conditions:

1. The applicant is at least 18 years old, has a valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

2. There is a certain income, and the income reaches a certain period, and the period reaches a certain amount;

3. Good credit record, no bad credit record is very important. If the borrower has a bad credit record, it will be difficult to obtain a loan successfully;

4. The applicant holds the business license issued by the administrative department for industry and commerce and the business license of related industries, engages in legal production and business activities, and has stable income and the ability to repay the principal and interest.

5. Other conditions stipulated by the lending institution. The student is applying for a business start-up loan and needs to meet the relevant policies of local business start-up loans. If students can provide proof materials such as real estate and cars under their own names when applying for loans, it will be beneficial to get loans smoothly.

Second, the application process of college students' entrepreneurial loans:

1, application. Graduates apply to the Municipal Personnel Bureau with various materials.

2. First instance. The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

4. review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.

5. guarantee. The guarantee institution shall examine the loan applicant's application for guarantee and the counter-guarantee measures provided.

6. recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.

7. The loan application is successful and the loan is issued.

Three, the use of college students' entrepreneurial loans should comply with relevant state laws and bank credit policies, and are not allowed to be used for equity investment. Open a settlement account in a bank, and the operating income will be settled by the bank.

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 account book; 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.