With the increasing emphasis on education, as long as you want to go to school, your family can generally realize your dreams through loans, and with the support of relevant national policies, student loans are becoming more and more popular. As one of the four state-owned banks, CCB naturally has student loans, so what application conditions do CCB need to meet for student loans? Here are seven main points, let's take a look!
1. My family and I have financial difficulties, which have affected our normal study and life.
2, with legal identity documents and student ID cards or admission notice, colleges and universities must sign the "individual student loan cooperation agreement" with the Construction Bank.
3. There is a student's parent or teacher, a classmate and two witnesses, and borrowers are not allowed to witness each other.
4. The borrower must be a registered student with college education or above, and the guardian's consent is required for those under the age of 18.
5. Be law-abiding, have good moral character, can complete their studies normally, and CCB's personal credit rating has reached the credit rating recognized by CCB.
6. Being able to provide a guarantee recognized by CCB, and family members can be guarantors.
7. Other conditions stipulated by the Construction Bank.
The following are seven points about the "application conditions for student loans of CCB". I hope you can understand after reading it. It is not excluded that CCB also requires other conditions, but generally speaking, as long as the above points are met, the loan application can basically be submitted.
How to handle the credit loan for CCB college students?
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.
What materials should be prepared for the student loan of CCB? All these should be ready!
With the development of social economy, people will spend more and more money on education, but some families are still at a loss in the face of college tuition and living expenses. Fortunately, the relevant policies issued by the state are good, and students with family difficulties can apply for student loans. As a state-owned bank, CCB can naturally provide student loan services. So what application materials does CCB need to prepare to apply for student loans? I have compiled some below, so let's have a look.
1. First of all, you need to prepare your personal identification documents to prove that you meet the scope of the loan object. Generally, the original and photocopy of valid identity documents are required.
2. You need to prepare the original and copy of student ID card or admission notice to prove that you are a college student. Meet the loan application conditions.
3. To prove the financial difficulties of your family, you need this student loan, and you need to prepare proof materials from the township, street, civil affairs department and county-level education administrative department about your family's financial difficulties.
4. Copy of ID card and student ID card or work permit of classmate or teacher of the borrower and two witnesses of * * *, further proving that they are students of our school.
5 need to fill in the "China Construction Bank National Student Loan Application Form", and the information to be filled in should be true and complete.
6. The promise of urging repayment ensures that the loan can be repaid in full and on time in the future.
7. Other materials required by the Construction Bank.
Here is a brief introduction to the "materials that need to be prepared for the student loan of CCB". There are mainly the above points. You can apply for a loan when you are basically ready, but you don't rule out the possibility that you need other materials. You can follow the instructions of the bank when applying.
What are the requirements for college students' loans?
First, the conditions for applying for student-origin credit student loans should be met.
1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.
2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.
3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).
4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:
(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).
(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).
(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).
(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).
(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).
(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).
(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).
(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).
Two, apply for student credit loan materials should be submitted.
1. Freshmen apply for loans and submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3) The borrower's admission notice (show the original and hand in 2 copies).
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card discount handled by the borrowing students at the local postal savings office (show the original for future reference and hand in 2 copies).
2, college students apply for a loan for the first time, submit the following materials:
(1) Borrower's household registration book and valid ID card (show the original and submit 2 copies).
(2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies).
(6) Borrowing students show their student ID cards and hand in 2 copies.
3. When college students apply for loans for the first time (in 2008 and 2009, and in 20 10, they apply for renewal of loans), they shall submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic version of U disk, 2 original paper copies).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(4) Borrowing students show their student ID cards and submit 1 copy.
Extended data:
There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges 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. Student-origin credit student loan refers to the student loan issued by China 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. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.