First, college students' entrepreneurial loans:
1. The borrower has a college degree or above. 2. 18 years old or above, with legal and valid identification. 3. The borrower has certain venture capital and fixed business premises. He has the business license and relevant documents issued by the industrial and commercial department.
Second, the student loan:
1. The borrower is a full-time student with college degree or above. 2. The borrower has good credit. 3. The borrower's family is in financial difficulties, and the family income cannot pay the students to complete their studies. 4. The borrower did not get other student loans in that year. 5. The borrower has China nationality.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 211 Paragraph 1 If the loan contract between natural persons does not stipulate or is unclear about the payment of interest, it shall be deemed that interest is not paid.
Article 8 A legally established contract is legally binding on the parties. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization.
"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 25 If the borrower and the lender have not agreed on interest, the people's court will not support it.
If the interest agreement between natural persons is unclear and the lender claims to pay interest, the people's court will not support it. Except for the loan between natural persons, if the agreement between the borrower and the lender on the loan interest is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract, the local or the parties' trading methods, trading habits, market interest rates and other factors.