China Construction Bank has a college student loan business, so college students can borrow money from the Construction Bank, and the loan given by the Construction Bank to college students is a college student loan. To apply for a national student loan from CCB, you don't need to apply for loan guarantee or mortgage, but you must promise to repay the loan on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school about the specific matters of handling the national student loan. After reporting to the school, you can apply to the bank through the school.

The materials to be provided at the time of application are: an application for a national student loan; 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); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located.

As long as you meet the requirements, you can apply for a loan in China Construction Bank. What you need to note is that the national student loan interest rate is implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. In the new loan contract signed in 2009, the interest of the loan students during their study in school is all subsidized by the financial department, and the interest after graduation is paid in full by the loan students themselves. According to their personal income after graduation, students choose the time to start repaying the principal within 1 ~ 2 years after graduation and pay off the principal and interest within 6 years.

1. CCB student credit card application conditions:1Full-time undergraduate students who are over 8 years old, have full civil capacity and can provide personal identification need to apply for a university student credit card. You can submit the application directly through the CCB outlets near the school.

2. Information required to apply for a CCB student credit card: generally, a copy of the ID card and student ID card is required when applying (freshmen can use the admission notice instead of the student ID card). According to the regulations of the China Banking Regulatory Commission, college students who have reached the age of 18 must implement the second repayment source when applying for a card. The fees charged by CCB shall be reported to the Price Bureau and the regulatory authorities to standardize the pricing. For all the charging items, CCB will make an announcement through various channels to facilitate your inquiry at any time. For example, to apply for a CCB credit card, the collection agreement on the back of the application form lists various charging standards of CCB; At the same time, you can also log in to CCB official website for inquiry.

3. Inquiry on the credit card limit of CCB students: The credit limit refers to the maximum amount of credit cards that can be overdrawn circularly, which can be enjoyed by RMB and foreign currency, primary and secondary cards, and all credit cards in your name. Your initial credit limit can be inquired through the card letter mailed with the card. In addition, you can also inquire about the credit limit in the following ways:

1, after real-name registration on the credit card website.

2. Inquire through "Account Inquiry Service" on the homepage of CCB website and select "Credit Card Inquiry".

3. Inquiries should be made through personal online banking on the website of CCB.

4. Edit the message "the last four digits of 3 13# or the last four digits of CCED#" and send it to 95533 for inquiry.

5. WeChat pays attention to "China Construction Bank" and makes an inquiry after binding the credit card.

6. Use a credit card to inquire at the self-service terminal of CCB.

How to borrow a student loan?

First, fresh graduates who want to apply for loans through lending institutions need to meet the following conditions:

1. The applicant is at least 18 years old, has a valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

2. There is a certain income, and the income reaches a certain period, and the period reaches a certain amount;

3. Good credit record, no bad credit record is very important. If the borrower has a bad credit record, it will be difficult to obtain a loan successfully;

4. The applicant holds the business license issued by the administrative department for industry and commerce and the business license of related industries, engages in legal production and business activities, and has stable income and the ability to repay the principal and interest.

5. Other conditions stipulated by the lending institution. The student is applying for a business start-up loan and needs to meet the relevant policies of local business start-up loans. If students can provide proof materials such as real estate and cars under their own names when applying for loans, it will be beneficial to get loans smoothly.

Second, the application process of college students' entrepreneurial loans:

1, application. Graduates apply to the Municipal Personnel Bureau with various materials.

2. First instance. The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

4. review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.

5. guarantee. The guarantee institution shall examine the loan applicant's application for guarantee and the counter-guarantee measures provided.

6. recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.

7. The loan application is successful and the loan is issued.

Three, the use of college students' entrepreneurial loans should comply with relevant state laws and bank credit policies, and are not allowed to be used for equity investment. Open a settlement account in a bank, and the operating income will be settled by the bank.

How do college students get loans?

There are two situations, as follows:

1. 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.

2. Application conditions for college students' entrepreneurial loans

(1) College degree or above;

(2) Those who have not been employed for more than 6 months after graduation and have registered for unemployment in the local labor and social security department;

(3) When applying for such loans, three points are more important:

First, the loan applicant must have a fixed residence or business premises;

Second, business license and business license, stable income and ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

The simple and popular understanding of loan is to borrow money with interest.

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. At the same time, banks can also obtain loan interest income and increase their own accumulation.