You can apply for a student loan if you meet the following conditions:

Have People's Republic of China (PRC) nationality;

Honest and trustworthy, law-abiding;

According to the relevant provisions of the state, freshmen, postgraduates and students with a second bachelor's degree who have been officially admitted to full-time undergraduate colleges, higher vocational schools and junior colleges that have been approved to set up and implement higher education, and have obtained a true, legal and effective admission notice;

Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);

The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies at school.

amount of loan

The loan amount applied by the lender for each academic year shall not exceed 8,000 yuan in principle.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.

Second, how to apply for interest-free bank loans?

To apply for an interest-free loan, the applicant must be at least 18 years old and have proof of residence and self-owned funds. The applicant must also open an interest-free loan settlement account in the bank, and all business income must flow through this settlement account. The applicant must also prove that his loan application has a formal purpose, and the applicant must provide a mortgage guarantee that matches the loan. If all the above conditions are met, you can get an interest-free loan smoothly. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly. Good reputation and no bad record; The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been decided whether individuals pay interest first, and then financial subsidies or financial advance interest, but financial discount is certain. To apply for an interest-free loan, the applicant must be at least 65,438+08 years old, have proof of residence and own funds. The applicant must also open an interest-free loan settlement account in the bank, and all business income must flow through this settlement account. The applicant must also prove that his loan application has a formal way of use, and the applicant should provide an interest-free loan process _ 1. Meet the requirements of interest-free loans, and prepare all the materials needed for bank interest-free loans, such as banks or various financial institutions to improve the information and apply for interest-free loans; 2. After verifying the information, banks or various financial institutions can sign relevant loan agreements with lenders, and lenders must unconditionally abide by the agreements; 3. The bank will verify the lender's conditions one by one, and then review the lender's loan qualification. After all the conditions are verified, the bank will inform the lender to go to the front desk for loan procedures; 4. Go to the bank to handle the loan formalities with the relevant personal documents, and lend money within a few working days after successful handling.

3. How to handle the interest-free loan?

For many friends who have no experience in applying for housing loans, loans may be a very confusing thing. After all, the loan process involves many steps. If these steps are not clear, it will be inefficient in the process of applying for a loan. Now there is an interest-free loan on the market that is very popular. So, how to apply for an interest-free loan?

How to apply for an interest-free loan?

1. Business loans, government subsidized loans are mainly to help small and medium-sized enterprises improve their business conditions, including upgrading and purchasing equipment, and to provide assistance to small and medium-sized enterprises that are in economic and financial difficulties due to abnormal, unpredictable or force majeure factors, especially natural disasters and epidemics.

2. The amount of micro-credit loans in rural areas shall be controlled within 30,000 yuan in principle, generally not exceeding 50,000 yuan; The loan amount of mortgage, pledge and guarantee (including joint guarantee) can be appropriately increased on the basis of the credit loan amount according to the actual risk situation of the borrower. The loan term is generally set within 3 years, and the longest is generally not more than 5 years.

3. The loans for scientific and technological projects and discount loans benefit from the technological innovation fund for small and medium-sized scientific and technological enterprises established by the Ministry of Science and Technology to encourage technological innovation of small and medium-sized scientific and technological enterprises.

4. How can I get an interest-free loan?

Ping An Bank can make interest-free loans.