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.

What kind of credit does the college student credit loan belong to?

The loans that college students apply for during their school years belong to consumer credit, and the loans they apply for after graduation are not necessarily.

1. The loan that college students can apply for from the bank during their school days is mainly used to successfully complete their studies. The expenses they need during their school days, such as tuition and fees, living expenses, etc. , which belongs to educational consumption, belongs to educational consumption credit in personal credit.

2. Loans for other purposes can only be applied after college students graduate. For example, college students' entrepreneurship loans belong to personal commercial credit because they are used for personal entrepreneurship.

Extended data:

How to apply for a student loan?

Legal student loans include student loans and entrepreneurial loans.

1, student loan application process:

(1) browser search "China Development Bank student loan information network", click to enter;

(2) Select the student loan, fill in the student loan form as required, and download and print it;

(3) You need to provide your valid ID card and the lender's valid ID card (some areas need to provide proof of family difficulties);

(4) The Education Bureau examines and signs the contract;

(5) After the school starts, you need to give the receipt to the teacher, and after the approval, you can lend money.

2. Venture loan application process:

(1) Apply to the Management Service Center of College Students Pioneer Park and submit the application materials for preliminary examination;

(2) After passing the preliminary examination, the relevant departments will further review the industry orientation, enterprise scale, number of employees, registered capital, profits and taxes and other factors;

(3) 5 working days after approval;

(4) after publicity without objection, issue a notice of approval;

(5) The next paragraph.

How do college students get 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. 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? 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. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students 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 handle the credit loan for CCB college students?

China Construction Bank has a college student loan business, so college students can borrow money from the Construction Bank, and the loan given by the Construction Bank to college students is a college student loan. To apply for a national student loan from CCB, you don't need to apply for loan guarantee or mortgage, but you must promise to repay the loan on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school about the specific matters of handling the national student loan. After reporting to the school, you can apply to the bank through the school.

The materials to be provided at the time of application are: an application 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.

As long as you meet the requirements, you can apply for a loan in China Construction Bank. What you need to note is that the national student loan interest rate is implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. In the new loan contract signed in 2009, the interest of the loan students during their study in school is all subsidized by the financial department, and the interest after graduation is paid in full by the loan students themselves. According to their personal income after graduation, students choose the time to start repaying the principal within 1 ~ 2 years after graduation and pay off the principal and interest within 6 years.

1. CCB student credit card application conditions:1Full-time undergraduate students who are over 8 years old, have full civil capacity and can provide personal identification need to apply for a university student credit card. You can submit the application directly through the CCB outlets near the school.

2. Information required to apply for a CCB student credit card: generally, a copy of the ID card and student ID card is required when applying (freshmen can use the admission notice instead of the student ID card). According to the regulations of the China Banking Regulatory Commission, college students who have reached the age of 18 must implement the second repayment source when applying for a card. The fees charged by CCB shall be reported to the Price Bureau and the regulatory authorities to standardize the pricing. For all the charging items, CCB will make an announcement through various channels to facilitate your inquiry at any time. For example, to apply for a CCB credit card, the collection agreement on the back of the application form lists various charging standards of CCB; At the same time, you can also log in to CCB official website for inquiry.

3. Inquiry on credit card limit of CCB students: Credit limit refers to the maximum overdraft limit of credit cards, which can be enjoyed by RMB and * * *, the main card and the auxiliary card * *, and all credit cards in your name * * *. Your initial credit limit can be inquired through the card letter mailed with the card. In addition, you can also inquire about the credit limit in the following ways:

1, after real-name registration on the credit card website.

2. Inquire through "Account Inquiry Service" on the homepage of CCB website and select "Credit Card Inquiry".

3. Inquiries should be made through personal online banking on the website of CCB.

4. Edit the message "the last four digits of 3 13# or the last four digits of CCED#" and send it to 95533 for inquiry.

5. WeChat pays attention to "China Construction Bank" and makes an inquiry after binding the credit card.

6. Use a credit card to inquire at the self-service terminal of CCB.

Formal loans that college students can apply for.

First, student loans. The student loan for college students is issued to students with financial difficulties, which is used to pay for tuition and accommodation during their stay at school. This kind of loan is divided into two categories: one is the national student loan, and the other is the student source credit student loan.

Secondly, college students' entrepreneurial loans are mainly used for college students with entrepreneurial needs. They are unsecured and unsecured credit loans issued by banks and other financial institutions to college students. College students' entrepreneurship loan is specially set up to encourage college students to start their own businesses. The application conditions are 18 years old, college degree or above. Fresh graduates or college students who have graduated for less than 2 years can apply. The loan cost of this kind of loan is relatively low, and the loan amount is related to the credit rating. Provided by way of guarantee or mortgage (pledge), with a term of 1-2 years, and no financial discount after 2 years.

General consumer finance loans are generally not open to college students. Because consumer finance loans mainly lend money to users with consumer demand, as college students, they should control their consumer demand reasonably without income.