The materials to be prepared for university student loans include: school certificate, student ID card and photocopy, ID card and photocopy of myself and my parents, original and photocopy of household registration book, identification form for poor students, and application form for student loans.

The application process is as follows:

1. The loan amount for undergraduate and junior college students cannot exceed 8,000 yuan. The amount of the loan depends on the tuition fee for one year in colleges and universities. The repayment period is academic system plus 13 years, and the longest period cannot exceed 20 years. And there will be interest if students don't repay the loan after graduation.

2. Application: Applicants can apply directly at the school. General schools have this procedure, and you can also apply to the relevant departments of the local government.

3. Waiting for approval: Whether you apply at school or locally, you have to wait for approval. If the situation is true and meets the loan conditions, you can wait for the money. It is reported that the average school's annual loan amount is above 1000 yuan. If the application is made in the local government or the Education Bureau, the Education Bureau will issue a certificate after reviewing the facts and take it to the bank for processing.

Note: the application materials submitted by the applicant must be true and not fraudulent, otherwise the application will not be passed. The certificate of attendance is a certificate of attendance issued by the school to students who need loans after the start of school, which requires the official seal of the school and the department where it belongs. The student ID card is also processed in the university after entering the school, and can be used when returning to the student's home loan.

What are the procedures and conditions for college students' loans?

College students need to apply for loans. To apply for a loan, you must first be a college student who has reached the age of 18, and then you must have a good credit record and good conduct. The remaining conditions depend on the type of loan.

There are three kinds of loans that college students can borrow: national student loans, college students' entrepreneurial loans and college students' online loans.

The national student loan is a kind of student loan aimed at the life and study of students from poor families in colleges and universities, which requires the aided students to repay the loan within a certain period after graduation. To apply for a national student loan, you need to go through the application procedures: 1. Fill in the student loan application form and hand it over to the school. 2. The school needs your ID card, household registration book and family income statement (need the seal of the relevant unit of origin) when reviewing the qualifications. 3. After the school has passed the preliminary examination, the information will be submitted to the bank for review. 4. After being approved by the bank, the school will publicize the list of approved personnel. After the applicant confirms that the list is correct, he signs a loan contract with the bank and finally waits for the loan to be issued.

To apply for a national student loan, you must be at least 18 years old, with good conduct and good credit, and you must also meet the conditions that your family situation is difficult and you can't afford the basic expenses such as tuition, living expenses and accommodation required for your study and life at school. In addition, diligent study, correct learning attitude, honesty and law-abiding are also one of the necessary conditions for application.

College students' entrepreneurship loan is a preferential loan set up by the state to encourage college students to start their own businesses without guarantee or mortgage. To apply for college students' entrepreneurial loans, you need to go through the loan application procedures: 1, and prepare materials; 2. application; 3. Submit application materials; 4. The bank examines the application qualification; 5. Publicity list; 6, proofread the list of right and wrong; 7. Sign a loan contract; 8. Issue loans.

The conditions for applying for a loan have certain requirements for assets and funds: not only college students who have studied at school or graduated within two years should have a stable source of income and a fixed business place, but also some venture capital and reasonable and legal venture projects.

College students' online loans are commonly known as "campus loans", and college students' peer-to-peer lending platform loans generally aim at consumption.

Handling online loan procedures is very simple and the application conditions are very relaxed, so many college students choose this loan method. However, the repayment interest of online loans is so high that many students can't afford it. At present, the relevant departments have carried out rectification and suspended the opening of this business to college students.

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.

What procedures and certificates are needed for student loans?

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.