1. Application conditions The national student loan is applicable to full-time undergraduate students with real financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macau and Taiwan Province Province). At the same time, students applying for loans should also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no illegal acts; ③ Good academic performance; (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 Honesty and trustworthiness; ⑥ Can provide guarantees that meet the requirements of banks; ⑦ Opening current savings business in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China. 2. Application Procedures Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be submitted directly to the relevant departments of their schools, and banks do not directly accept students' personal loan applications), receive the National Student Loan Application Form, the National Student Loan Application Commitment and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations. Students applying for loans must also truthfully provide the following materials: ① their valid identity documents and photocopies (minors must provide valid identity documents of legal guardians and written proof that the parties agree to the loan) ② income certificates of major family members or income certificates obtained through other channels. (3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income and proof of agreeing to guarantee for the borrower; Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided.
Second, how do college students borrow money to study?
You can apply for a student loan. First, the schools you can apply for. Instead, apply for a student loan directly from your university. If it is a private lending group, there are many scammers who charge interest and other fees for you to call them. Therefore, the conditions for applying for a student loan are as follows: (1) undergraduate students with completely difficult family economy (including higher vocational students with undergraduate education; (2) Have the nationality of China people and China people and the capacity for civil conduct of the state (minors should obtain the consent of the state); (4) Honest and trustworthy, law-abiding, no illegal behavior; (5) study hard and be able to complete their studies normally; (6) Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.
3. Can college students get a mortgage? What should I pay attention to?
Ask the bank.
Fourth, how do college students get loans for studying abroad?
Basic conditions for applying for student loans:
1. Full-time undergraduates (including higher vocational students), postgraduates and second bachelor's degree students with financial difficulties;
2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card;
3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
5. study hard and be able to complete your studies normally;
6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.
If you need a loan, recommend the consulting loan service of Easy Loan China-you only need to submit an application online, and Easy Loan China Easy Loan China will review it for you as soon as possible to solve your problem-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner of Easy Loan China will analyze your loan demand and information, then choose a bank suitable for you and get in touch with you at your residence. In this process, you have the right.
In view of your personal situation, this kind of loan is especially recommended here. You can try-
Fast loan application channel:
/quickloan/index.jsp？ Dashi = Fall in love with summer.
Easy Loan China is a network platform for online loan application. Cooperate with more than 20 banks/microfinance companies nationwide, including Bank of China, Industrial and Commercial Bank of China, Shenzhen Development Bank, Standard Chartered Bank, Industrial Bank and Shanghai Pudong Development Bank, and accept online loan applications from all over the country.
E-loan China loan application process: online application-E-loan China financing consultant contacts the applicant and verifies-submits the application to the bank/microfinance company-the bank/microfinance company contacts the applicant-signs the loan contract. One application business, many financial institutions respond! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month! Save time for lenders to run to major banks and reduce costs outside loans!
Easy Loan China Easy Loan China has many kinds of loans, among which personal credit loans and housing loans are free of service charges nationwide, and other types of loans will charge 2%-3% service charges. This is the lowest service fee among peers, which saves the lender's fee other than the loan, and solemnly promises that the task fee will never be charged before the loan is obtained!
Friendly reminder: the online application will be reviewed on the same day (9: 00- 18: 00, except weekends). Please keep the phone/mobile phone open so that the financial advisor can contact you to verify the situation. Telephone verification failed for three times, and the loan application was deemed invalid if it failed in the first trial. Generally, after online application, the financing consultant will contact you by phone on the same day (9: 00- 18: 00) to provide the loan applicant with a suitable financing plan, and then the loan applicant can consult in detail.