An admission notice from a university is required to prove that he or she is a full-time college student in China, including vocational students, undergraduate students, graduate students and students with a second bachelor's degree; Having valid identity certificate, full civil capacity and the nationality of the People's Republic of China; Abide by disciplines and laws, be honest and trustworthy, and have no personal bad credit records or violations of laws and disciplines; Family conditions are difficult, can provide relevant supporting documents, loans for tuition and accommodation costs.
Precautions for college students to run loans
1. Having full capacity for civil conduct;
2. Honest and trustworthy, law-abiding, no violations of laws and regulations;
3. Good academic performance, able to complete their studies normally;
4. The income that can be obtained during school is not enough to pay the basic expenses (including tuition fees and basic living expenses) required to complete the study;
5. Strictly abide by the regulations of the state, the bank in charge and the school on the national student loan, promise to use the loan correctly and fulfill the loan repayment obligations according to the regulations, and open a current account in the loan bank.
6. Other conditions stipulated by the lending bank.
Ways of college students' loans
Student loan
Student loans can be divided into four types: national student loans, student origin loans, on campus student loans and commercial student loans. Such loans are mainly for students whose families are poor and unable to pay tuition, living expenses and accommodation expenses on time.
College student entrepreneurship loan
College students' entrepreneurship loans are unsecured and unsecured college students' credit loans issued by banks and other fund issuing institutions to students of colleges and universities (college or above), who enjoy various preferential policies such as government financial discount. This kind of loan is mainly for college students who have not found a job for more than 6 months after graduation and are in school. The amount is generally less than 50000, which requires corresponding guarantees. The business license of the company establishment, the registration form of the Administration for Industry and Commerce and other certificates are quite cumbersome.
Online loan platform loan
Compared with the first two types of loans, the threshold for online loan platform loans is much lower, and it is convenient to apply, simple in materials, and fast in lending. The online loan platform will give college students a certain credit line (usually below 50000 yuan) according to the materials provided by college students; After college students apply for loans, they will charge a certain fee or interest, which will be much higher than the bank.