There are many loan platforms for college students, including China Bank, Bank of Communications, Industrial Bank, Agricultural Bank, China CITIC Industrial Bank, Industrial and Commercial Bank of China, China Construction Bank, Shenzhen Development Bank, China Merchants Bank, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, China Guangfa Bank, Shanghai Bank and Minsheng Bank. You can choose which bank according to the lender's situation.
College students applying for student-origin credit student loans must meet the following conditions:
1. A natural person with full capacity for civil conduct.
2. Have a permanent residence permit and school address.
3. The "Student ID Card" issued by the school, proof of attendance and other related documents; Proof of tuition and living expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.
4. Students who meet the requirements of the loan bank have moral certificates and no bad credit behavior.
1. In terms of loans, many people ignore such a group, that is, college students. /kloc-children aged 0/8 can use products such as flower buds, but they cannot withdraw cash. In terms of repayment ability, college students usually have no income and are not within the scope of ordinary consumer finance loans.
Undergraduate loans are issued to students who are unable to pay tuition and accommodation fees due to family financial difficulties during their school years. This kind of loan is divided into two types: one is the national student loan, and the other is the student source credit student loan.
2. General consumer finance loans are generally not open to college students. Because consumer finance loans are mainly aimed at users with consumer demand, as college students, they should control their consumer demand reasonably without income.
3. College students' entrepreneurial loans are mainly used for undergraduates with entrepreneurial needs. Banks and other financial institutions provide unsecured and unsecured credit loans to college students. Specially set up college students' entrepreneurial loans to encourage college students to start their own businesses. Applicants should be at least 18 years old, with a college degree or above. Fresh graduates or college students who have graduated less than 2 years can apply. The loan cost of this kind of loan is low, and the loan amount is related to the credit rating. If it is provided by way of guarantee and mortgage (pledge), the term is 1 to 2 years, and after 2 years, it will no longer enjoy financial preferential treatment.
After the start of the new school year, students can apply for national student loans from banks through schools. Generally, only the following four materials are needed: the national student loan application form and student ID card, a copy of the ID card, a description of the family's financial situation, and a proof of the family's financial situation issued by the Student Affairs Office. The location of home. The maximum amount of full-time undergraduate and junior college students per academic year is 8000 yuan, and the maximum amount of full-time graduate students per academic year is 12000 yuan.
Which banks can handle student loans?
Banks that provide student loans include: China Bank, China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank, CITIC Industrial Bank, Shanghai Pudong Development Bank, Bank of Communications, Industrial Bank, China Everbright Bank, Huaxia Bank, Guangdong Development Bank, Shanghai Bank, Shenzhen Development Bank, China Merchants Bank and China Minsheng Bank.
College students applying for student-origin credit student loans must meet the following conditions:
(1) A natural person with full capacity for civil conduct.
(2) Have a permanent residence ID card and a detailed address of the school and its department.
(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.
(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.
(5) Other conditions stipulated by the lending bank.
Students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.
To apply for a national student loan, you need to provide the following materials:
Application for national student loan;
1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);
3. My explanation of the family's financial difficulties;
4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
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 national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation.
Full-time undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education), full-time freshmen (including preparatory students) who have obtained a true, legal and effective admission notice, or undergraduates, graduate students (including master's and doctoral students) and second bachelor's degree students who are studying in colleges and universities, their pre-school household registration and borrower's household registration. According to the current national policy, the loan amount applied by full-time college students (including second bachelor's degree and higher vocational students) shall not exceed 8,000 yuan per person per year, and shall not be less than 1 1,000 yuan. Full-time graduate students (including master students and doctoral students) apply for a loan amount of no more than10.2 million yuan and no less than10.0 million yuan each year. The longest loan period is 20 years and the shortest is not less than 6 years. Students who renew loans (students who have obtained loans in previous years and continue to apply) apply from July 23rd to August 9th (except weekends), and students who apply for new loans (freshmen and students who apply for loans for the first time) apply from August 12 to September 6th. Students who fail to renew their loans within the specified time due to special reasons can make up their loans from August 26th to September 6th (except weekends) after explaining the situation to the county-level student financial assistance management center. Renewed loans and new loans need to log in to the Student Credit Student Loan Information System of China Development Bank (), fill in the loan information, and prepare the corresponding materials as required before going to the site for handling. It is particularly important to note that students applying for new loans need to go to the handling office to test their loan knowledge before they are eligible for loans. The examination content is mainly based on simple financial knowledge and integrity knowledge. Students go through the registration formalities at the University Student Financial Assistance Management Center with the loan contract and loan acceptance certificate, and the university will enter the electronic receipt before June 10. After the university generates the electronic receipt of the contract, the county-level student financial assistance management center re-examines the application materials provided by the students applying for loans in the system. After the contract is reviewed, it will be summarized in the system and submitted to the Provincial Student Financial Assistance Management Center. After the approval of China Development Bank (about165438+1mid-October), the loan funds will be transferred to the Alipay account of the loan student, and the tuition and accommodation fees will be transferred to the university according to the amount on the student receipt.
What bank card is used for student-origin student loan?
Students can use the bank cards of China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank for student loans.
The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.
Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.