I. Student loans
The student-origin credit student loans mentioned here include student-origin credit student loans and national student loans, which are mainly aimed at college students with financial difficulties to solve their tuition and accommodation problems. Among them, the student-origin credit student loan is applied in the student financial assistance management center where the student's household registration is located, and the national student loan is applied in the university where the student is located.
Before applying for a student loan, you should also pay attention to the following points:
1. Student-origin student loan and national student loan cannot be applied at the same time, only one can be selected;
2. Only students from poor families are eligible to apply, so not everyone can apply;
3. Student loans can only be used to solve the problems of tuition, accommodation and living expenses, and cannot be used for other purposes.
Second, the venture loan
Generally speaking, college students can't apply for venture loans because they have no financial resources and have no ability to repay the principal and interest of loans in full and on time. In order to control the credit risk, lending institutions are unlikely to issue loans to such people.
However, there are exceptions to everything. In order to support college students' entrepreneurship, some cities have introduced relevant support policies. Therefore, college students who want to start a business with loans need to consult local government departments for specific policies.
2. What loans can college students apply for?
1, small and micro learning loan app. Micro-learning loan is a special loan product for college students. The loan amount is the lowest in 200 yuan, and the highest is 2000 yuan. According to the repayment ability of college students, we provide a flexible repayment cycle with a minimum of 7 days and a maximum of 30 days. If the loan is approved, the money will be transferred to Alipay account, which will arrive in about 1 hour. The interest rate is one thousandth of the daily interest rate.
2. classmate loan app. The classmate loan app is a platform for college students to provide cash loan services in emergency turnover, holiday travel, education and training. There are a number of graded products under its banner, among which the "mini loan" amount is 600-5,000 yuan, and the longest loan term is 12 months; Emergency wallet "500 yuan, interest-free within 7 days; The interest-free amount of venture capital funds is up to 5000 yuan.
3, lightning learning loan app. Lightning Learning Loan app is a cash loan service launched by Shanghai Zhuxin Finance. The loan amount of Lightning Learning Loan is flexible. For college students in 300 yuan, 500 yuan and 800 yuan, the repayment period is as short as 7 days and as long as 15 days according to the repayment ability. Pure online operation, the loan is directly transferred to Alipay, and the next payment will arrive in about 10 minutes. You can borrow it and return it.
4. The ant borrowed it. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay. The longest repayment period of the loan is 12 months, and the expected annualized interest rate on the loan day is 0.04%, which is also aimed at young people.
5.JD.COM gold bars. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.
3. What loans can college students get?
At present, there are many university loan platforms, most of which are online loans. You have many choices, as long as you are a college student 18 years old or older. You can apply for a staging platform app on your mobile phone, such as an interesting staging golden bean. You can apply for a loan online, some need my signature, and some don't.