How do college students apply for interest-free loans?

1. Students applying for student loans must first provide the following materials, including their identity documents and photocopies, borrowers' identity documents and photocopies, income certificates of major family members and other materials.

2. Apply online at China Development Bank, fill in the ID number and register the account. After entering the interface, you need to fill in your corresponding information.

3. Take the above materials to the local institutions to apply for student loans, and the corresponding materials prove that the student loans are exported on the website, so please seal the agency staff.

4. At the beginning of school, bring proof and corresponding poverty proof materials to contact the academic affairs office and financial office of the school, and wait for the National Development Bank to allocate student loans.

5. Students who need to renew their loans can continue to provide relevant information, and the school will assist in issuing the corresponding loan amount after the bank has passed the examination.

Application conditions

1, identification;

2. Students need to provide student ID cards and transcripts;

3. Graduates are required to provide graduation certificates and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.

6. Check whether students have bad criminal records.

7. College degree or above;

8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.

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.

I applied for an interest-free loan of100000 for starting a business.

Interest-free loans for individual entrepreneurship are mainly aimed at low-income groups, including college graduates, laid-off workers and veterans. If it fails to pass the examination in the human resources and social security departments, it cannot be applied. The term of interest-free loans for individual entrepreneurship is generally two years, during which interest is not paid.

In addition, the loan applicant must have good credit and repayment ability, a stable job and income, and the applicant must provide proof of the purpose of the loan. Due to different local policies, lenders need to go to local lending institutions for detailed consultation before applying, so as to increase the chances of successfully obtaining loans.

Extended data:

Precautions:

1, the state has venture loan funds, and this policy does exist, and users know this, indicating that users are college students who are very concerned about current events and information, which is a very good habit.

2, according to the provisions of the national venture loans, venture loans are targeted, that is to say, some industries can not lend, and some industries can lend.

3. If the user wants to get an interest-free loan for college students' entrepreneurship, the department you are looking for is the Ministry of Labor and Social Security, the municipal government, and especially the college students' entrepreneurship loan.

This loan needs a guarantor. The guarantor must be a civil servant with a stable job and income. Without users, it is almost impossible to get a loan.

Baidu Encyclopedia-Interest-free loans for college students' entrepreneurship

People's Daily-People's Daily talks today: Let the people be happy and stable.

What should I do with an interest-free loan of 6,543,800 yuan? Must meet the conditions!

; ? There are many loan products in the financial industry, many of which are policy loans. As long as you meet the requirements, you can enjoy interest-free or low-interest concessions, which can save a lot of interest. So what should I do if I want to apply for an interest-free loan of 6,543,800 yuan? Let's get to know each other.

I. Interest-free loan policy

Generally speaking, interest-free loans are industries supported by the state, such as planting, breeding and self-employment. , or belong to veterans, farmers or laid-off workers, have good entrepreneurial development projects, can enjoy interest-free loans.

Application conditions: The borrower is required to be between 18 and 60 years old and have full capacity for civil conduct. Live stably in the local area and have a fixed business place. The borrower has a stable income source and the ability to repay the principal and interest of the loan. Some interest-free loans may require collateral or guarantor to borrow.

Second, what about the interest-free loan of 6,543,800 yuan?

As long as it meets the requirements, many banks have similar projects, so you can go to local outlets for consultation. The specific loan process is as follows:

1. Go to the bank with ID card, unemployment certificate, business license, veteran card, disability certificate, certificate issued by sub-district office (unit above the village) and other relevant documents.

2. Fill in the loan application form and provide the information required by the self-employment plan and the bank.

A loan of 365,438+10,000 yuan may need to go through mortgage procedures, and wait for the bank's review after completing the process.

4. Banks issue loans.

Since interest-free loans are a welfare policy, you must meet the requirements before you can apply. You can go to the street office or the village Committee to consult relevant policies and apply again.