Student loans are:
1. student loan: poor college students who meet the loan conditions can apply for national student loan or student-origin student loan through the school.
2. Entrepreneurship loan: Graduates who are still within the application conditions for entrepreneurship loan can go to the bank to consult the loan business, provide relevant information according to their requirements, and then apply for a loan.
3. Credit loan: At present, there are many micro-credit loan platforms on the market. Choose a formal platform to apply for credit loans or apply for credit cards for students in the bank.
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. Family U charges a service fee (250. 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
52 "people (2 years before graduation, 5 years after graduation), Flash Silver APP only needs an ID card and a bank debit card to get a loan, 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.
Introduction of several ways of college students' entrepreneurial loans!
With the increasing employment pressure, many college students now choose to apply for business loans to start their own businesses. Then, what are the ways for college students to start a business loan? Next, I will sort out the relevant information about the ways of college students' entrepreneurial loans.
What are the ways for college students to start a business loan?
I. Banks
Banks are the most common venture financing channel, but their application threshold is high, and many college students are rejected because they do not meet the requirements. At this time, borrowers in need can consider the second channel.
Second, the government.
College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital will increase to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years.
Three. Lending institution: the lending institution designated by the policy.
Generally speaking, interest-free entrepreneurial loans for college students are preferential entrepreneurial loans supported by local policies. Such support policies are generally led by the Employment Bureau, the Ministry of Finance and other relevant departments, and cooperate with designated financial institutions to provide financial support for qualified college students' entrepreneurial projects within their jurisdiction. This kind of loan is usually guaranteed by the relevant government departments and even subsidized.
Lenders: banks, small loan companies, etc.
Loan method 1: mortgage loan
If you have your own property, or someone else's property can be mortgaged, you can apply for a mortgage loan from a bank and other institutions. The maximum loan amount can reach 80% of the house value.
Loan Method 2: Guaranteed loan.
At present, college graduates with insufficient repayment ability can obtain loans through a third party with repayment ability.
Loan method 3:
Students who work after graduation, have a relatively stable income, can provide bank flow, and have good credit can apply for banks and companies. Then use the loan funds to start a business.
What conditions do college students need to apply for loans?
1. The loan for college students is as follows: 1. Apply for student loans through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period;
2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities;
3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform.
Second, what conditions do college students need to apply for loans?
At present, there are two kinds of student loans for college students: national student loans and student credit student loans. Only one of these two loans can be taken, and the maximum loan amount is 6000. If you have just been admitted to a university, you can apply for a student-origin credit loan.
You can go to the district (county) education funding center to handle it. Students can apply for national student loans. After students submit their applications, the school will conduct a preliminary examination. After the approval of the bank, the two parties sign a contract and the bank issues loans.
To apply for a national student loan, you need to meet the following conditions:
(1) The borrower has reached the age of 18 and has full capacity for civil conduct (minors must obtain the written consent of the legal guardian).
(2) The borrower has a good credit record and no illegal acts.
(3) Good academic performance, able to complete their studies normally.
(4) The income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and living expenses) needed to complete their studies.
(5) Strictly abide by the provisions of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations.
(six) meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.
Three, college students do student loan materials
At the end of the second semester every year, the school will send a notice to college students who need to apply for student loans, and affix the official seal of the school and the department.
Student loans require proof of identity, students need to provide student ID cards and transcripts, and graduates need to provide credit certificates such as graduation certificates, degree certificates, commonly used passbooks or bank card reconciliation lists in the past six months.
Identity cards and photocopies of students and borrowers.
The borrower and the borrower need to go to the capital center at the same time, because it is the first loan. * * * Borrowing students with borrowers as guarantors, mainly their parents; If the borrower is an orphan, then * * * and the borrower are other legal guardians.
Student ID card and a copy thereof.
Student ID card is nothing more than the most powerful proof of your identity, so it is also essential. If the student ID card is accidentally lost and you need to apply for a student loan, you can apply to the school for a certificate of loss reporting; Or explain the situation to your (county, city, district) funding center, and then reissue the student ID card and send it back to your funding center.
The original household registration book and the copy of the page borrowed by the student and the page with the borrower in the household registration book are in duplicate.
The household registration book is your household registration certificate, which is indispensable under normal circumstances. Family situation questionnaire or poor student identification form and application form in duplicate. ;
Where can college students get loans?
1, bank loan. With the continuous development of social economy, college students can apply for loans directly from banks. The advantage of bank loans is that the amount is large and the application threshold is low. In other words, the success rate of college students' loans is relatively high. However, the bank loan threshold is higher. College student loans require applicants to provide their identity certificates, work certificates, student ID cards and other materials. 2. Loans from loan companies. The loan threshold of a loan company is lower than that of a bank, but not every student can apply for a loan. The loan threshold of college student loan companies will be lower than that of banks.
The introduction of college students' loan channels ends here.