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.

How to borrow bank loans from college students

How do college students borrow money from banks?

First, student loans. If students apply for student loans, they can apply to local banks, and of course, they can also ask schools to apply for national student loans on their behalf. Student loans are policy loans and enjoy certain loan interest discounts.

Second, venture loans. If students want to start their own business instead of finishing their studies, they can apply for a business loan. Of course, only qualified students can apply. For example, he must have a college degree, and he still has no job six months after graduation.

Third, consumer loans. If students apply for loans for personal consumption rather than finishing their studies or starting a business, it is more difficult to apply. Because lending institutions have requirements for the repayment ability of applicants.

How do college students get loans?

College students can borrow money in the following ways:

1. Apply for loans from banks and other financial institutions according to law;

2. Submit materials to prove my loan purpose and repayment ability;

3. The lending institution will review it, and if it passes, you can apply for a loan.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. 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. The loan target is: China citizens who have reached the age of 18 to 60 with full capacity for civil conduct. Banks put concentrated money and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. China citizens with permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65, with full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

legal ground

Interim Measures for the Administration of Personal Loans Article 7 The use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes.

Article 6 of the Interim Measures for the Administration of Personal Loans Lenders shall establish a personal loan risk limit management system according to the dimensions of region, variety and customer base.

Article 5 of the Interim Measures for the Management of Personal Loans: Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

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.