In fact, it is not very troublesome for college students to apply for student loans. Generally speaking, the required materials include:

(1) Original and photocopy of the borrower's household registration book.

(2) The original and photocopy of the ID card (or valid identification certificate) of the borrower and guardian.

(3) proof of student status. Freshmen's admission notice; College students use their student ID card and the credit student loan certificate issued by the school. The commercial loans that ordinary students can apply for are all credit loans, so Bian Xiao takes credit loans as an example to illustrate.

First, the application materials that college student credit loan applicants need to provide:

(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;

(2) Proof of repayment ability such as personal or family income and property status;

(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;

(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.

Second, college students' credit loan requirements:

A) identification; B) Student ID card and report card (students in school); C) Diploma and degree certificate (graduated); D) List of frequently used bankbooks or bank cards (in the past six months). E) Other credit certificates (if any): scholarship certificate, class cadre certificate, club activity certificate, etc.

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) The borrower has certain self-owned funds for investment projects;

(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;

(5) Open a settlement account in the 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 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 to apply for a college student loan? What materials are needed?

College students need to apply to the loan bank where the school is located, or you can contact the school to apply for a loan. The materials required for the application are as follows:

1. The borrower and the original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or armed police card as valid documents).

2. Admission notice or student ID card. For freshmen, the original and photocopy of the admission notice, and for students, the original and photocopy of the student ID card.

3. Loan certificate issued by the university.

When applying for student loans, in order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student loan contracts should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time. When renewing the loan and signing the contract, the borrower or the borrower can handle it with the power of attorney. * * * In principle, the same borrower is the parent or legal guardian of the borrowing student, and the household registration before enrollment must be the same as that of the borrowing student himself.

How to handle college students' loans?

1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period;

2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities;

3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform.

There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

What materials do I need to provide to apply for a national student loan?

Apply for a national student loan;

Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

My explanation of the family's financial difficulties;

Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

examine and approve

The relevant departments of the school are 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.

Repayment method

Before graduation, students should pay off in one lump sum or several times;

After graduation, students can look at their liquidity to repay their loans;

After the probation period expires, graduates will be deducted from their wages month by month within two to five years;

The unit where the graduates work depends on their work performance and decides to reduce the loan repayment;

For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.

How to apply for a college student loan?

1. Requirements for applying for student loan for college students: 1, with full capacity for civil conduct; 2, honest and trustworthy, law-abiding, no illegal behavior; 3. Good academic performance and normal completion of studies; 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 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank. 6. Other conditions stipulated by the lending bank. 2. The materials to be submitted for applying for the national student loan: 1, and the necessary information about the financial situation of myself and my family (generally including my written application, family financial situation questionnaire, proof of difficulties above the street level, letter of guarantee from the guarantor and my actual performance, etc.). ); 2, commitment to repay the loan liability clause; 3. Provide loans to repay the guarantor. Iii. Application process of student loan: 1. Students apply for the national student loan application approval form and other materials, fill in truthfully and completely, and prepare relevant supporting materials and return them to the school's national student loan agency. 2. The school institution conducts the loan preliminary examination. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. 3 handling bank for loan approval. The handling bank shall complete the audit within 20 working days after receiving the Information Form and application materials submitted by the school. 4. After the loan application for signing a loan contract with students is approved, the school will organize students to fill in, sign a loan contract and an iou within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank. 5. Within 20 working days after signing the loan contract and receipt with the borrowing student, the loan issuing handling bank will uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank. 6. Repaying the loan After completing their studies with the student loan, students should pay attention to their own credit and repay the loan on time. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.