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.