1. Apply for a student loan 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.
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.
What materials do I need to provide to apply for a national student loan?
Apply 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. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
examine and approve
The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
Repayment method
Before graduation, students should pay off in one lump sum or several times;
After graduation, students can look at their liquidity to repay their loans;
After the probation period expires, graduates will be deducted from their wages month by month within two to five years;
The unit where the graduates work depends on their work performance and decides to reduce the loan repayment;
For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.
What are the loan platforms for college students now?
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 the spending power of college students, 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.
Can college students borrow money from the bank?
College students belong to the category of adults, and loans are completely acceptable. Any bank can apply for a loan:
1. To apply for a student loan from a school, you can consult with the academic affairs office of the school. If permission is obtained, the school will handle the loan.
2. Interest-free loans for entrepreneurial countries. You can go to the relevant community for consultation with your diploma and ID card. If fully qualified, you can apply for a loan.
3. In terms of bank loans, the state also takes care of college students' loans, but I need to have a business license for the business premises and relevant industrial and commercial departments.
4. Application conditions for college students' entrepreneurial loans: college degree or above; Unemployed for more than 6 months after graduation and registered as unemployed in the local labor and social security department.
5. Loan term: The small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. After two years, they will no longer enjoy financial benefits.
6. Loan method: The way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans.
7. Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Extended data:
First, this subject accounts for all kinds of customer loans issued by enterprises (banks) according to regulations, including mortgage loans, guaranteed loans and credit loans.
Syndicated loans, trade financing, agreed overdrafts, credit card overdrafts, sub-loans and advances issued by enterprises (banks) according to regulations are accounted for in this account; You can also set up syndicated loans, trade financing, agreed overdraft, credit card overdraft, refinancing, prepayment and other subjects separately.
Enterprise (insurance) policyholders can change this subject to "1303 policyholders". For enterprises (pawn) and mortgage loans, the subjects can be changed to "1303" and "1305 mortgage loans". Enterprises entrust banks or other financial institutions to lend to other units, and this course can be changed to "1303 entrusted loans".
Two, this course can be based on the loan category, customer, respectively, "principal", "interest adjustment", "impairment" and other detailed accounting.
Third, the main accounting treatment of loans.
(a) loans issued by enterprises should be debited to the subject (principal) according to the contract principal of the loan, and credited to the subjects such as "deposit absorption" and "deposit with the central bank" according to the actual amount paid. If there is any difference, the account shall be debited or credited (interest adjustment).
On the balance sheet date, according to the interest receivable determined by the loan contract principal and the contract interest rate, debit the account of "interest receivable", credit the account of "interest income" according to the interest income determined by the loan amortized cost and the actual interest rate, and debit or credit the account according to the difference (interest adjustment). If the contract interest rate is not much different from the actual interest rate, you can also use the contract interest rate to calculate and determine the interest income.
When the loan is recovered, the subjects such as "deposit absorption" and "money deposited in the central bank" are debited according to the amount returned by the customer, and the subjects such as "interest receivable" are credited according to the recovered interest amount, and the subjects such as "interest income" are credited according to the returned loan principal. If there is any interest adjustment balance, it should also be carried forward at the same time.
(2) On the balance sheet date, if it is determined that the loan is impaired, according to the amount to be written down, debit the "asset impairment loss" account and credit the "loan loss reserve" account. At the same time, the balance of this account (principal and interest adjustment) should be transferred to this account (impairment), debited to this account (impairment) and credited to this account (principal and interest adjustment).
On the balance sheet date, the interest income shall be calculated and determined according to the amortized cost of the loan and the actual interest rate, and the account of "loan loss reserve" shall be debited and the account of "interest income" shall be credited. At the same time, the interest receivable amount calculated and determined according to the contract principal and the contract interest rate is registered off the table.
When the impaired loan is recovered, the subjects such as "deposit absorption" and "money deposited in the central bank" should be debited according to the actual amount received, the subjects such as "loan loss reserve" should be debited according to the balance of relevant loan loss reserve, and the subjects such as "asset impairment loss" should be credited according to the relevant loan balance.
Loans that are truly irrecoverable shall be written off as bad debts after being approved by the management authority, debited to the subject of "loan loss reserve" and credited to the subject (impaired). According to the management authority, after approval, write off the off-balance-sheet interest receivable and reduce the amount of off-balance-sheet "interest receivable" subjects.
The loan that has been confirmed to be written off, if recovered later, should be debited to this account (impairment) according to the balance of the original written-off impaired loan and credited to the account of loan loss provision. Debit "deposits absorbed" and "funds deposited in the central bank" according to the actual amount received, credit this account (impaired) according to the balance of the original written-off impaired loan, and credit "asset impairment loss" according to the difference.
Four, the final debit balance of this course, reflecting the enterprise in accordance with the provisions in amortized cost has not yet recovered the loan.
Definition of loan: a way to use credit funds. In the case of repayment, certain interest is paid according to the amount and time of borrowing. A loan is a way to borrow money from a bank with your property as collateral when there is a problem with funds.