(1) National Student Loan Application Approval Form;
(2) A copy of my student ID card and resident ID card (minors must provide valid identity certificates of legal guardians and written opinions on agreeing to apply for loans);
(3) my explanation of the family's financial difficulties;
(4) the identification of family financial difficulties by the civil affairs departments of townships, towns and streets and the education administrative departments at the county level;
(5) Other supporting documents and materials required by the bank or school. (Banks or schools have different requirements for this, depending on the actual situation. )
In recent years, the "green channel" is a system stipulated by the Ministry of Education. In order to effectively ensure that freshmen who are admitted to school and have financial difficulties can't pay tuition and miscellaneous fees due to financial difficulties after the examination, they must enter the school first, and then the school can help these students solve their financial difficulties by applying for national student loans and work-study programs. "Green Passage" is the most direct and effective measure to ensure the smooth enrollment of freshmen from poor families in colleges and universities.
Second, the process and conditions of college students' loan
Industry and commerce 1. The procedure of enterprise registration in the industrial and commercial sector is: receiving form-inquiring name-submitting materials-accepting-approving-charging-invoicing. Generally speaking, from the beginning of applying for a license, if the materials are complete, it can be done in seven working days, and the required expenses vary according to the different business projects audited, usually several hundred yuan. If you are afraid of boredom, you can also entrust a professional registered company to handle it on your behalf, but the cost is much higher, ranging from one thousand to three thousand. If you are not too busy, I suggest you do it yourself. On the one hand, you can save money, on the other hand, you can learn a lot of practical knowledge so that you can get used to it in the future. In addition, it should be noted that in industrial and commercial registration, according to the different registered capital, the level of choosing industrial and commercial departments is also different. For example, the registered capital of the registration hall of Nanjing Industrial and Commercial Bureau is at least 2.5 million. Less than this figure can be handled at the district and county industrial and commercial branches or industrial and commercial offices. If it is really urgent, according to some special affairs or the "exemption regulations" issued by the provincial and municipal industrial and commercial bureaus, you can first file with the local industrial and commercial departments and then open them. Going through the formalities again during the operation period is the popular "boarding first, then making up the ticket". 2. Entrepreneurial policies should be backed up. For college graduates, the state has always encouraged them. As early as last year, the State Administration for Industry and Commerce specially issued the Notice on Preferential Fees for Self-employed College Graduates. The specific contents are as follows: 1. Except for industries restricted by the state (including construction, entertainment, advertising, sauna, Internet cafes, oxygen bars, etc.), all self-employed college graduates (including college graduates, undergraduates and graduate students). ), individual industrial and commercial households are exempt from registration fees (including industrial and commercial registration, change of registration, replacement of business license and copy of business license), individual industrial and commercial household management fees, market management fees, economic contract verification fees and economic contract demonstration text cost within 1 year. Second, college graduates applying for registration of the establishment of individual industrial and commercial households shall present their graduation certificates and personal identity cards issued by ordinary colleges and universities to the registration authority, and the National Employment Registration Certificate for College Graduates from Ordinary Colleges and Universities or the National Employment Registration Certificate for Postgraduates (hereinafter referred to as the "Registration Certificate") issued by the employment authorities of provincial colleges and universities. After the registration authority has verified that it is correct, it shall go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "(college graduate)" after the name of the business license operator of individual industrial and commercial households. College graduates are exempt from the above fees with the business license of individual industrial and commercial households. Financial articles 1. There are many stories about circuitous loans that can be tried from scratch, but the first money for starting a business is also indispensable. This money can be borrowed from the bank. According to statistics, Nanjing has issued loans of 3.576 million yuan to help 30 1 people embark on the road of entrepreneurship, of which 19 industry can be fully subsidized by the government. For college students, money is an obstacle. According to the reporter's understanding, at present, no bank in Nanjing is willing to take credit loans, and under the background of tight monetary policy in the country, college students who have just left school must have physical mortgage or entity guarantee if they want to borrow money. Fortunately, laid-off workers can enjoy government-guaranteed funds if they want to start a business. If college students can't find jobs after graduation, they will become "laid-off and unemployed" in a sense. According to relevant sources, college students can go to the streets or neighborhood committees where their household registration is located. It is understood that at present, the target of venture loans is laid-off workers in Nanjing, who must have permanent residence in Nanjing, be under 60 years old and have certain labor skills. Whether you are self-employed, self-employed or organized for employment, you can apply for a small secured loan from a commercial bank with the re-employment concession card issued by the labor department on the premise that the loan guarantee institution promises to guarantee. 2. The loan amount is limited. It is reported that the amount of small secured loans is generally around 20,000 yuan, and the repayment method and interest settlement method are agreed by both borrowers and lenders. For laid-off and unemployed people who are engaged in partnership and employment, the scale of loans may be appropriately expanded according to the number of people, and the loan period is generally not more than two years. At present, a commercial bank has a maximum loan of 654.38 million yuan, which is provided to several laid-off workers in partnership. If the project is good and in urgent need of funds, the maximum loan can be 50 thousand yuan. Laid-off workers form entrepreneurial teams and joint-stock or partnership enterprises, with a maximum loan of 300,000 yuan. The interest rate is determined according to the loan interest rate level announced by the People's Bank of China, and shall not rise. In order to encourage entrepreneurship, the government will give full preferential treatment to low-profit industries. The low-profit projects are specifically 65,438+09 industries, including cottage industry, repair and replacement, book lending, hotel service, catering service, dyeing and sewing, copying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care, and transportation for children and students. 3. Paying attention to honesty is the key. Of course, it should be noted that not every entrepreneur's loan can be met, and all loans must have mature projects. According to the person in charge of Nanjing Entrepreneurship Guarantee Center for laid-off workers, applicants can hold household registration book, ID card, re-employment concession card or business license, loan application form, business plan, etc. , and to the domicile of the community labor and social security service station to receive the "laid-off workers small secured loan pre-trial form". After filling it out, the community will review it and make suggestions.
Third, how can Xi 'an college students get loans to start their own businesses? Urgent! ! ! ! ! ! ! !
The college student loan platform was officially launched. Our platform focuses on college student loan services. Our platform is dedicated to creating a "student loan", initiated by investors, which aims to help college students become financially independent, solve their urgent needs, and help them form a sense of financial management without being carried away by CPI. At the same time, Taiwan Province has injected a batch of high-quality borrowers with good credit for investors to choose from. Non-guaranteed mortgage | Free of charge, with the lowest rate, the amount of student loan set up by the college for college students. Then we often have no money at school. What should we do at this time? Borrowed it from a classmate. I'm sorry to ask. Ask your parents for it, slap them in the face and get scolded. There is no way to make money by working. What should I do? Let online loans help you. We are a competitive P2P peer-to-peer lending platform in China, dedicated to providing dual services for students, wage earners and microfinance demanders. As a third company, we don't take deposits or lend, but only provide credit consultation, audit and fund establishment between investors and borrowers on this platform, and directly reach a loan agreement so that borrowers can get the loan amount. Therefore, we are a student loan platform specially set up for college students with the lowest rate, high quota, less materials and quick review in the P2P industry. The "My Student Loan" initiated by investors has been endowed with charitable intentions, helping college students to be independent in wealth, solving urgent needs, and helping them to form a sense of financial management, so as not to be carried away by CPI. At the same time, it also injects a group of high-quality borrowers with good credit for investors to choose from. Now it is college students who borrow money to support their study and life. Initiated by the lender, the interest rate, maximum amount and maximum term of the loan are determined by the lender. Release: 30. Increase the amount. Loan term: 3 ~ 12 months. Single application amount: 1000 ~ 5000 yuan. Repayment method: equal principal and interest, monthly repayment; Application Guide: Chinese mainland citizens holding Chinese identity cards; 18~26 years old; Necessary examination materials for student loans: ID card (front and back) and student ID card. Wait for our platform concept: "Where there is a dream, there is a future; Yes, through its products, it can realize great social values such as helping students, friends, workers and businessmen, and at the same time help customers manage their finances scientifically and efficiently, forming a healthy financial management concept. Pailai Loan adheres to the principle of "coming right away, creating the future with * * *" and being honest and direct, and aims to build a fair, just, open and efficient peer-to-peer lending platform, and pursue the advantages of our platform in harmony and win-win: our platform is positioned as a "safe and efficient, transparent and open, honest and direct" online lending platform, and wins with "mutual assistance * * *". Risk control guarantees three elements of peer-to-peer lending: borrowers with capital needs, investors with capital surplus and financial awareness, and a lending platform with good risk control. Pailai Loan has a relatively perfect risk control mechanism, and implements the policies of "three checks (credit information system inquiry, blacklist inquiry and daily bank account inquiry) and five checks (subject qualification verification, business status verification, credit status verification, assets and liabilities verification and loan use verification) to strictly control the risks before, during and after lending. Strict audit before lending-Pailai Loan has an industry-leading audit team, which conducts multi-channel, multi-angle and multi-dimensional multi-layer investigation and audit on customer information and credit report to avoid fraud risks to the greatest extent. Effective monitoring during the loan-Pailai Loan is equipped with a professional customer service team, and the customer service manager keeps close contact with customers during the loan period, provides good services, monitors the repayment status in real time, and avoids post-loan risks. Post-loan tracking management-For overdue customers, the borrower will be reminded to repay the loan by various means, and the borrower in loans overdue has independent recourse. If necessary, the platform has the right to unilaterally take legal measures to solve the problem.
Fourth, how to borrow loans from college students? Detailed steps, urgent?
1. Who can apply for a student loan?
A: First of all, it is required to be a Jiaotong University student with a Jiaotong University status. In addition: undergraduates: all poor undergraduates who meet the requirements of difficult students in our school can apply for national student loans.
Graduate students: You can apply at public expense or at your own expense. Three-year college students can also apply.
Students from technical colleges can apply, but students from Siyuan College of Continuing Education are not students in our plan. Students from Second Medical University and China Medical University must return to their original schools to apply. 2. What loans can graduate students and undergraduates apply for respectively?
A: Undergraduate students generally apply for national student loans. Graduate students are divided into public students and self-funded students.
Public students: national student loans or commercial loans. Self-funded students: they can apply for national student loans or commercial student loans. 3. What's the difference between national student loans and general commercial loans?
Answer: A. The national student loan can only borrow up to 6,000 yuan per year, and the loan will be distributed in different years; General commercial student loans can borrow all tuition fees (that is, the tuition certificate indicates how much tuition fees can be borrowed until the loan is full, but not including living expenses), and the specific lending time can be negotiated with the bank.
B. The national student loan only needs the parents' signature, and no guarantor is needed. For general commercial student loans, you need to find a Shanghai hukou guarantor with certain economic strength (with a fixed monthly income above 800 yuan).
C. The national student loan is subsidized by the state by half, and the individual only needs to pay half the interest (before 2005, interest-free during the resumption of school after 2005, holographic after graduation.
D. National student loans are aimed at students with family difficulties, while general commercial loans can be provided as long as the guarantor meets the conditions. 4. What is the loan amount of the national student loan?
Answer: Undergraduate students can borrow 4,000 to 6,000 yuan a year, depending on their personal needs.
Graduate student: The maximum loan is 6,000 yuan per year (this 6,000 yuan can be divided into tuition and living expenses loans.
Public graduate students can only borrow living expenses, and self-funded graduate students can only borrow tuition fees. 5. What is the loan term of the national student loan?
A: Before 2005, the term of four-year undergraduate loans was eight years, that is, loans were made for four years during school and paid off within four years after graduation. After 2005, the four-year undergraduate loan term is 10 year, during the study period, 6 years after graduation. 6. The loan time is later than the payment time, and the student loan can only be issued after a period of registration. What should I do? A: It doesn't matter. Students with difficulties can postpone their tuition fees through the green channel. After the student loan is issued, it will be sent directly to the finance department to offset your tuition. You just need to make up the rest of the tuition and fees. 7. What is the loan interest rate?
A: At present, the annual interest rate of loans over five years is 6. 12%. 8. When will the interest be paid?
A: Students who apply for CCB loans will pay the interest generated in the current year on a monthly basis, from the time when the bank starts to issue loans to the time when the principal is fully paid off.
Students who apply for ICBC loans will be repaid with the principal after graduation, and there is no need to repay the interest every month during their school days.
No interest is paid during the loan application from China Bank, and the principal and interest will be returned together after graduation. 9. How to calculate the loan interest?
A: The loan interest is calculated according to the loan amount issued by the bank.
Take CCB loan as an example. You borrowed 6000 yuan from the bank this year. During my freshman year, I need to pay the interest generated by the principal of 6000 yuan per month, which is about 10 yuan per month. When you were a sophomore, you got a bank loan of 6000 yuan, and the loan principal you got reached 12000 yuan. Therefore, during your sophomore year, you need to pay the interest generated by this principal 12000 yuan every month, about 30 yuan every month.
And so on.
Until graduation in senior year.
Repayment began after graduation from senior year. Then in addition to returning the principal, you also need to pay the interest generated by the unpaid principal until you pay off the principal and interest in four years.
The interest on the ICBC loan is returned together with the principal after graduation, and there is no need to repay the interest every month during the study period. 10. How to repay the loan interest of CCB?
A: After the student loan is issued, China Construction Bank will give you a set of dragon cards and passbooks.
You need to deposit enough money in your card so that the bank can deduct money from your card at 0: 00 on the first day of each month. What are the consequences of not paying interest for a long time?
A: If CCB fails to deduct interest from your card for three consecutive months or six months in total, the state subsidy for your loan interest will be cancelled. 12. When will the loan principal be repaid?
Answer: Repayment will be started the next month after graduation and will be paid off within four years after graduation. 13. How to repay the loan principal?
Answer: Repay the principal in equal amount every month after graduation. For example, you have borrowed a total of * * * 24,000 yuan now, so after graduation, you need to pay back 24,000/48 = 500 yuan's principal every month within four years of repayment. We will go through the formalities of graduation repayment before graduation. After the formalities are completed, after the first repayment is successful, the bank will give a specific repayment plan and then repay the principal and interest as planned. 14. What will happen if you are in arrears for a long time after graduation and refuse to repay the loan? A: First of all, you need to complete the repayment confirmation procedures, confirm the whereabouts after graduation, and confirm the timely repayment before graduation; Second, if someone defaults on the loan for a long time, the bank will leave his bad record in the credit information system, which will have a bad influence on the loan, house purchase and payment of water, electricity and coal. 15. What is the impact on the loan in case of dropout, repetition, probation, suspension, etc. A: First of all, it is difficult for students with the above situation to apply for loans. Students who drop out of school, repeat grades and study hard, the bank will doubt their repayment ability and may not be willing to lend them money; Suspended from school