The loan conditions for college students are as follows:
1. Graduates with college education or above;
2. No employment experience for more than 6 months after graduation, and registered with the local labor and social security department;
After the above two points are met, we should pay attention to the third point, which is more important when applying for such loans. It contains three points:
(1) The loan applicant must have a fixed residence and business premises;
(2) The loan applicant must have obtained a business license and a business license, and have a stable income and the ability to repay the principal and interest;
(3) This is also the most important point, that is, the project invested by the loan applicant must have its own funds besides the loan.
If you have all the conditions for college students' loan, you can apply for a loan from the bank. The information we need to provide when applying mainly includes: relevant documents that can prove our repayment ability, which can be: personal or family income, family property status, proof of marital status, etc. ; Relevant contracts that need to be used in handling loans; Guarantee materials, collateral certification documents and collateral evaluation report provided by the evaluation department to the bank.
In addition to relevant written materials, collateral is also needed. There is no stipulation that anything can be used as collateral, but it must be an effective asset belonging to individuals, such as movable property, real estate, securities, qualified guarantors, etc. The size of the loan depends on your collateral or guarantor.
What are the repayment methods of college students' entrepreneurial loans?
The repayment methods of college students' entrepreneurial loans can be divided into two types according to the loan term: first, if the loan term is less than one year (including one year), the principal and interest will be repaid at maturity, and the interest will be paid off with the principal; 2. If the loan term is more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other repayment methods agreed by both parties.
What are the conditions for college students to borrow money from ICBC?
Yes But this requires conditions.
What conditions does ICBC need for personal loans?
1. A natural person with full civil capacity, aged between 18-60 years old. Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence.
2. Have a valid identity certificate and proof of marital status.
3. Obtained a credit rating of D or above in China Industrial and Commercial Bank.
4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses for merchants, booths, industries, etc.). ) and the property right or contract lease certificate of the business premises.
5. Have the ability to repay the loan principal and interest in full and on time.
6. It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions.
7. In addition to credit, legal, effective and reliable loan guarantees recognized by China Industrial and Commercial Bank can be provided.
8. Open a personal settlement account in China Industrial and Commercial Bank.
9. Other conditions required by China Industrial and Commercial Bank.
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.
What conditions do college students need to apply for loans?
1. The loan for college students is as follows: 1. Apply for student loans 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.
Second, what conditions do college students need to apply for loans?
At present, there are two kinds of student loans for college students: national student loans and student credit student loans. Only one of these two loans can be taken, and the maximum loan amount is 6000. If you have just been admitted to a university, you can apply for a student-origin credit loan.
You can go to the district (county) education funding center to handle it. Students can apply for national student loans. After students submit their applications, the school will conduct a preliminary examination. After the approval of the bank, the two parties sign a contract and the bank issues loans.
To apply for a national student loan, you need to meet the following conditions:
(1) The borrower has reached the age of 18 and has full capacity for civil conduct (minors must obtain the written consent of the legal guardian).
(2) The borrower has a good credit record and no illegal acts.
(3) Good academic performance, able to complete their studies normally.
(4) The income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and living expenses) needed to complete their studies.
(5) Strictly abide by the provisions of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations.
(six) meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.
Three, college students do student loan materials
At the end of the second semester every year, the school will send a notice to college students who need to apply for student loans, and affix the official seal of the school and the department.
Student loans require proof of identity, students need to provide student ID cards and transcripts, and graduates need to provide credit certificates such as graduation certificates, degree certificates, commonly used passbooks or bank card reconciliation lists in the past six months.
Identity cards and photocopies of students and borrowers.
The borrower and the borrower need to go to the capital center at the same time, because it is the first loan. * * * Borrowing students with borrowers as guarantors, mainly their parents; If the borrower is an orphan, then * * * and the borrower are other legal guardians.
Student ID card and a copy thereof.
Student ID card is nothing more than the most powerful proof of your identity, so it is also essential. If the student ID card is accidentally lost and you need to apply for a student loan, you can apply to the school for a certificate of loss reporting; Or explain the situation to your (county, city, district) funding center, and then reissue the student ID card and send it back to your funding center.
The original household registration book and the copy of the page borrowed by the student and the page with the borrower in the household registration book are in duplicate.
The household registration book is your household registration certificate, which is indispensable under normal circumstances. Family situation questionnaire or poor student identification form and application form in duplicate. ;
What are the requirements for college students to apply for bank loans?
Legal subjectivity:
The basic conditions for personal loans are as follows: 1, 18 years old, full capacity for civil conduct, valid residence certificate and identity certificate; 2. Have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs a down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, the collateral conditions required by the bank shall be met; 5, such as credit loans, need to have a good reputation; 6. Other conditions meeting the requirements of the bank.
Legal objectivity:
Article 2 of the Civil Code stipulates the personal relationship and property relationship among natural persons, legal persons and unincorporated organizations as equal subjects.
What are the loan conditions for college students?
First, college students' loan requirements:
Banks generally need three conditions to provide loans: pledge, mortgage and guarantee. If your parents or relatives have better jobs and stable income, it will be an excellent credit resource.
1. Identity documents of college student loan applicants and their spouses (including original resident identity cards, household registration books or other valid residence permits) and proof of marital status;
2, the student loan applicant's personal or family income and property status and other repayment ability documents;
3. The business license of the college student loan applicant and the business license of related industries, as well as the relevant agreements, contracts or other materials for the purpose of the loan;
4. Guarantee materials for college student loan applicants: the ownership certificate and list of collateral 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) thing issued by the appraisal department recognized by the bank.
Second, the specific process of college student loans:
1. Apply for a loan. Students are required to submit a loan application to the bank through the school after the start of the new school year (the detailed time is clearly stipulated by each school). The school will first examine the qualifications of the national student loan application materials submitted by students, and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan.
After this work is completed, the school will arrange a five-day publicity and correct the problematic requirements. After the initial examination is correct, the school will arrange to confirm the qualified loan request with the official seal within 10 working days, inform the students of the inspection results, and make the National Student Loan Audit Information Form.
2. The bank approves the loan application. The handling bank will end the signing work within 15 working days after receiving the loan contract and the debts due from the school, and deliver the signed loan contract to the school within 5 working days. After receiving the loan contract and debt, the school will return it to the borrower within 5 days.
3. Sign a loan contract. After the loan application is approved, the school will complete the work of arranging students to fill in, signing loan contracts and debts according to the loan student roster submitted by the handling bank within 10 working days and submit it to the handling bank. After receiving the loan contract and the debts due from the school, the handling bank shall complete the signing work within 15 working days, and deliver the signed loan contract to the school for arrangement within 5 working days.
4. The borrowing bank issues loans. The bank applies for a debit card or current passbook for each student. The national student loan is implemented in stages, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans for one school year according to 10.
5. repay the loan on time. Borrowing students should pay attention to personal credit and repay on time after applying for student loans to complete their studies.