For low-income college students, whether they finish their studies or start a business after graduation, it is a great good thing for them if they can apply for an interest-free loan. So, how do college students apply for interest-free loans?

How do college students apply for interest-free loans?

There are two main types of interest-free loans that college students can apply for:

1, interest-free student loan for college students

In addition to commercial student loans, most student loans in China now enjoy financial discount. Students who want to apply for interest-free student loans can apply as long as they are college students or above and have difficult family conditions. When applying for a student loan, the borrower needs to provide the original and photocopy of the ID card of himself and the repayment object, the university admission notice or student ID card, the poverty certificate issued by the neighborhood committee or village committee and other related materials, and apply to the relevant departments of the local education bureau.

2. Interest-free entrepreneurial loans for college students

Interest-free start-up loans are usually for newly graduated college students. Applicants need to be unemployed for more than half a year, have registered for unemployment in the local labor and social security department, have operational projects, and obtain industrial and commercial business licenses. At the same time, they must also have the start-up funds for operating projects, a stable source of income and the ability to repay the principal and interest. To meet the above requirements, borrowing students can apply for interest-free business loans.

Measures for college students to apply for interest-free loans

1. The applicant submits a loan application to the local social security bureau with a diploma, degree certificate or school certificate, and the social security bureau is responsible for the preliminary examination. After the first trial is passed, the Social Security Bureau will issue a recommendation form and issue a written opinion on the applicant's entrepreneurial ability.

2. After the applicant has passed the preliminary examination, the Social Security Bureau shall submit it to the social security department at the next higher level for review and submit it to the local guarantee institution. The guarantee institution guarantees the applicant, and the applicant carries the above information to the bank for examination and approval.

3. After all the above approvals are passed, the bank signs a loan contract with the applicant, stipulating the repayment method and interest.

4. When the bank issues a loan, the applicant can enjoy the government discount for two years, and then need to repay the interest on time.

What are the disadvantages of interest-free loans to college students?

Interest-free loans for universities are student loans for universities. In fact, there is no harm. The only harm may be that students fail to repay their loans on time in the later period, which will affect their credit information, and lenders will also be urged.

Relevant provisions on student loans:

1, and the interest generated from September after graduation 1 shall be paid by the students themselves;

2. Every year, 65438+February 20th is the repayment date, and the repayment is made through Alipay account;

3. Both interest and principal, once overdue, will be uploaded to the student's credit information;

4. If the repayment is not made on time, * * * will be involved with the borrower and be required to help the main lender repay.

Is it true that the student loan is interest-free in 2022?

According to the Notice of the Ministry of Finance and other four departments on Doing a Good Job in Delaying Repayment of Interest-free National Student Loans in 2022 (Caijiao [2022]10), in order to help graduates from poor families alleviate the employment pressure and do a good job in employment services for college graduates, Zhejiang Provincial Department of Finance, Zhejiang Provincial Department of Education, Hangzhou Central Branch of China People's Bank and Zhejiang Supervision Bureau of China Banking Regulatory Commission jointly issued.

The first is to exempt the national student loan interest that should be repaid by loan students who graduated in 2022 and previous years. According to the national student loan discount policy, the exempted interest is borne by the central finance and local finance respectively.

1. Students from colleges and universities, KINOMOTO SAKURA, funded by the national student loan. The funds required for students studying across provinces shall be borne by the central government, and the funds required for students studying in this province shall be borne by the cities and counties where the students are enrolled.

2. The funds needed for the discount of national student loans in colleges and universities shall be borne by the finance at the same level according to the affiliation of colleges and universities.

Second, the repayment of the principal of the national student loan that should be repaid by the loan students who graduated in 2022 or before can be postponed 1 year upon the independent application of the loan students, and the deferred loan will not be subject to penalty interest and compound interest, and the risk classification will not be reduced for the time being.

Three, the national student loan undertaking bank shall submit credit information according to the adjusted loan arrangement, and the information submitted shall be adjusted. If the loan student fails to repay the loan in time due to the COVID-19 epidemic, the relevant overdue loans may not be submitted to the overdue records recognized by the loan undertaking bank, and those that have been submitted shall be adjusted.

Matters not covered in the Notice shall be implemented in advance according to relevant policies.

Can children get interest-free loans when they go to college?

But you can get interest-free loans when you go to college, because the state provides student loans to help college students study smoothly. Now a college student, I also borrowed interest-free money.

So what are the advantages of college students applying for student loans?

First, the government subsidizes interest.

When applying for a student loan, the interest generated during school and within two years after graduation is generally subsidized by the government, so we are interest-free.

Second, the application threshold is low.

Students of the national unified recruitment system for family affairs can apply for relevant information. Even in rural areas, you can go to rural credit cooperatives for loans as long as you have them.

Third, the repayment period is long.

The repayment period of loans can be appropriately extended according to income, up to 20 years, so I think these loans are really good help to the country and students.

Student loan is a very effective measure to relieve the family's economic pressure and help us solve the difficulties in going to school, which can greatly alleviate the pressure on students to go to school.

What are the procedures for college students to apply for interest-free loans?

There are two kinds of interest-free loans that college students can apply for: student loans and entrepreneurial loans. I. Student Loan and Application Conditions The national student loan is applicable to full-time undergraduate and junior college students with financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province). At the same time, students applying for loans must 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 Open a current savings account in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China. Students who apply for loans should apply for loans to their schools within 10 days before and after the start of the new school year (the loan application should be directly submitted to the relevant departments of the school, and the bank does not directly accept students' personal loan applications), receive the application form for national student loans, apply for the national student loan commitment letter and other related materials, and fill it 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 provide the following materials truthfully: ① their valid identity documents and copies (minors must provide valid identity certificates of legal guardians and written certificates of consent to loans). (2) provide proof of income of major family members or income 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. Since 2000, the school will relax the procedures for granting loans to poor students, and at the same time simplify the procedures without a guarantor. Only the applicant and the bank need to sign a legally binding contract to clarify the rights and obligations of both parties. 2. The procedures of interest-free business start-up loan and the application for interest-free business start-up loan mainly meet the following conditions:) The lender must be 18 years old, have legal and valid identity certificate and legal residence certificate where the loan bank is located, and have a fixed residence or business premises; The lender must hold a business license issued by the relevant administrative department for industry and commerce, engage in legitimate production and business activities, and have stable income and solvency; ), the loan purpose is in line with national laws and bank credit policies; ), investment projects, there is a certain amount of free funds. And opened a settlement account in the applicant bank, and the operating income will be settled by the bank in the future. Application steps: After meeting the requirements for applying for a business start-up loan, the applicant submits an application to the Personnel Bureau with relevant materials, and the person in charge of the Personnel Bureau conducts a preliminary examination. After passing the preliminary examination, the Personnel Bureau will issue a recommendation form and evaluate the applicant's entrepreneurial ability. After the preliminary examination is passed, the local personnel bureau will review the applicant and submit it to the local guarantee institution. The guarantee institution guarantees the applicant, and the applicant carries the above information to the bank for examination and approval. After approval, an agreement can be signed to handle the loan.

How do college students handle interest-free loans?

Handling interest-free loans for college students should meet the following conditions:

1. The borrower's family is in difficulty and needs state support.

2. The borrower is honest and trustworthy.

3. The project that the borrower applies for loan support is a national policy.

4. The borrower has full capacity for civil conduct and repayment ability.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.

The introduction of interest-free loans for college students is so much.