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.
References:
Baidu encyclopedia-student loan
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.
Where can college students get loans?
Hello, dear, there are several platforms for college student loans:
I accept a loan.
My loan APP claims to be the fastest platform for college students to borrow money. The amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. After college students register successfully, they can borrow money quickly by filling in relevant information and taking photos with their ID cards and student ID cards.
My loan amount is 300-3000 yuan, loan interest is 1%-2%, and loan term is 1 month -6 months. Review the next payment on the same day. It only takes three minutes to pass the audit quickly.
Second, the famous school loan
Famous school loan APP is a college student loan APP launched by Pounder in Nuo Nuo. Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Third, college students' loans.
Jiurong Finance mainly offers college students' loans, entrepreneurial loans, school grass loans, school flower loans and emergency loans. The borrower of Jiurong Finance College Student Loan can apply as long as he is a college student or above, and he only needs to prepare his student ID card and ID card. The monthly interest rate is 0.98%, and the amount is100-50,000 yuan. In order to facilitate the emergency needs of college students, Jiurong Finance has specially launched emergency loan products, which are faster and easier to approve. The unified amount is 2000 yuan, which can be paid within 3 hours.
Fourth, lightning learning loans
Lightning Learning Loan provides the most flexible loan amount, providing loans for college students from 300 yuan, 500 yuan and 800 yuan. According to college students' repayment ability, flexible repayment periods as short as 7 days and as long as 15 days are provided.
Verb (abbreviation for verb) University loan
Mainly for college students, loans of 1 0,000 yuan are provided in 500 yuan and 800 yuan, and the loan period is 10-40 days. U charges a service fee of (25+0. 1%/ day) for each successful loan.
Sixth, U-nation University Loan APP.
U-Family University Loan is a loan APP for college students' various consumption habits. The loan amount is1000-3,000 yuan, the loan term is 3-6 months, and the handling fee rate is 1.2%- 1.9%. The longer the loan term, the higher the interest rate.
Seven, flash silver APP
For 5+2 "people (2 years before graduation and 5 years after graduation), Flash Silver APP can borrow money with only one ID card and one bank debit card, and the monthly handling fee rate is 1.5%-2%. The funds can arrive on the same day.
Eight, lightning learning loan APP
Lightning learning loan is a mobile phone software for college students' cash lending launched by Shanghai Zhuxin Finance. The biggest feature of the Android version of Lightning Learning Loan is that it can help college students solve their urgent needs. No matter they need urgent money in life, study and entertainment, they can use lightning loan to borrow. Lightning Learning Loan provides college students with loans ranging from 300 yuan, 500 yuan and 800 yuan, and it also makes a flexible repayment cycle as short as 7 days and as long as 15 days according to college students' spending power, which is very convenient.
However, it is suggested that college students should not spend in advance and use online loans, which will have a great impact on themselves if they are overdue.
I hope this answer can help you.