With the aggravation of college students' comparison psychology, more and more people apply for loans. Of course, their behavior is only common in loan companies, and banks hardly accept college students to apply for commercial loans. What are the reasons why it is difficult for college students to obtain commercial loans from banks?
1, too young
Although most banks stipulate that 18 years old can apply for a loan, when actually applying, they will "dislike" that you are too young, so it is easier to apply for a loan over 20 years old.
2. The repayment ability is not guaranteed.
When a bank accepts a loan application, it will examine the borrower's repayment ability. Without a stable job and income, it is very difficult to apply for a loan. However, college students rely on their parents to "help". Some hard-working students may think of it, but the income obtained through these channels is very meager, and it can't meet the requirements of bank loans at all, so it will not provide loans for college students alone.
3. No credit history.
When applying for a commercial loan, the bank will first check the borrower's credit report. If there is overdue repayment in the near future, the loan application will be blocked, and if the credit record is good, the loan can be easily obtained. However, most college students have never applied for a credit card or loan, and have no credit history. Banks cannot judge whether their willingness to repay is strong, so they will hesitate to lend.
4. It's too difficult to pursue debt.
Although college students still have a strong sense of integrity, it is easy to make repayment due to the limitation of repayment ability. In addition, they did not provide collateral, so it is very difficult for banks to recover debts and responsibilities.
Although some loan companies have opened their doors to college students, the interest is high, so they should be cautious when applying for loans, and don't leave themselves with "future troubles" because of temporary vanity.
Can students go to the bank for a loan?
Students can apply for loans from banks, but they must be 18 years old.
At present, college students' personal loans mainly include student loans, business loans and consumer loans.
I. Scholarship loans
Student loan is to use the national student loan risk compensation balance reward funds and social donation student funds to help particularly difficult graduate students. Students applying for student loans need to meet the following conditions: family financial difficulties; At least 16 years old, holding a resident identity card and having full capacity for civil conduct (in which minors need the consent of their legal guardians to apply for loans); Honest and trustworthy, law-abiding, study hard and complete your studies normally.
Application materials for student loans: application for national student loans; Copy of ID card (minors need to provide legal guardian's ID card and loan consent); Description of family financial difficulties.
Process of applying for a student loan: prepare relevant materials needed for the loan; The school examines and seals it, and then forwards it to the bank; Loan approval; National student loan issuance; Go through the repayment confirmation formalities upon graduation.
Second, the venture loan
Loan requirements: at least 18 years old, able to provide proof of identity and residence, and have a fixed residence and business premises; Be able to provide business licenses and business licenses, engage in normal production and business activities and have a certain income; Having certain self-owned funds, the loan cannot be used for equity investment.
Loan amount: among individual business loans, there are different provisions on loan amount between college students' personal business loans and youth business loans. The maximum amount of college students' entrepreneurial loans in Shanghai is 300,000 yuan, and that in Taiyuan is no more than 50,000 yuan. Beijing can borrow up to 500 thousand. Before suggesting a loan, first understand the local policies and regulations of the loan.
Handling process: the borrower prepares relevant materials and applies to the college student entrepreneurship loan applicant and the college student pioneer park management service center. The management service center of college students' pioneer park conducts the first trial, and the Personnel Bureau and the Finance Bureau conduct the second audit to determine the loan amount. The unit or community publicity. If there is no objection to the formula, the personnel bureau will issue a notice. According to the notice, the Finance Bureau allocated funds.
Third, consumer loans.
If students apply for loans for personal consumption rather than finishing their studies or starting a business, it is more difficult to apply. Because lending institutions have requirements for the repayment ability of applicants.
What procedures and certificates are needed for student loans?
In fact, it is not very troublesome for college students to apply for student loans. Generally speaking, the required materials include:
(1) Original and photocopy of the borrower's household registration book.
(2) The original and photocopy of the ID card (or valid identification certificate) of the borrower and guardian.
(3) proof of student status. Freshmen's admission notice; College students use their student ID card and the credit student loan certificate issued by the school. The commercial loans that ordinary students can apply for are all credit loans, so Bian Xiao takes credit loans as an example to illustrate.
First, the application materials that college student credit loan applicants need to provide:
(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
(2) Proof of repayment ability such as personal or family income and property status;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;
(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.
Second, college students' credit loan requirements:
A) identification; B) Student ID card and report card (students in school); C) Diploma and degree certificate (graduated); D) List of frequently used bankbooks or bank cards (in the past six months). E) Other credit certificates (if any): scholarship certificate, class cadre certificate, club activity certificate, etc.
(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) The borrower has certain self-owned funds for investment projects;
(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;
(5) Open a settlement account in the bank, and the operating income will be settled by the bank.
Can college graduates get loans from banks now?
Yes, depending on what you plan to do with the money, you can definitely borrow it, but there are certain risks. Generally, commercial loans are not too much, and the interest rate is high. If you just want to improve your life, Alipay and credit cards are enough, and the amount is generally 6000-65438+ 10,000. If you just graduated from college and want to start a business and have no money, you can borrow it, but
Moreover, if you use this money to do business, you can apply for the local government's entrepreneurship subsidy, and the amount will not be too low. The main business venture subsidy fund is tens of thousands of dollars for you free, and the other part is an interest-free loan, the amount is generally 65,438+00-600,000. The situation in every city is different. In Shenzhen, as long as they are college students or registered in Shenzhen within five years of graduation, they can apply for business start-up subsidies, with a quota of 800,000-600,000.
One: housing mortgage loan. First, you have a down payment. Secondly, your parents are willing to vouch for you. Most importantly, a mortgage is a mortgage. Only when the balance of the house is settled can we decompress and get other warrants of our house!
Second, college students' entrepreneurial loans
Application conditions for college students' entrepreneurial loans:
1. College degree or above;
2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;
3. When applying for such loans, three points are more important: First, the loan applicant must have a fixed residence or business premises;
Second, business license and business license, stable income and ability to repay principal and interest;
Third, and most importantly, the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. Three: We can also choose to apply for several credit cards for daily turnover! However, it is not the first choice. At present, the success rate of entrepreneurship in the domestic market is less than 10%. Therefore, it is suggested to settle down in the industry you want to do and study for a period of time, which will not only help us accumulate a little original capital, but more importantly, we can learn a lot of valuable practical business experience. of course
Can college students get loans?
College students don't have any source of income and can't provide proof of income, but in the face of many special circumstances, they also need to use banks to complete loans. According to market research, domestic college students have no job, no stable income, and for college students, they do not have the ability to repay. Therefore, it is difficult for college students to apply for personal loans, and it is also difficult for banks to approve and obtain personal credit loans. However, the bank has set up national student loans and entrepreneurial loans for college graduates.
First, apply for a student loan.
If college students need loans, they can get financial assistance by applying for student loans. The application process for student loans is very simple. As long as the working college students with poor family living conditions are unable to afford the living expenses and tuition fees during their school days, they can provide relevant materials and complete the application for student loans. Of course, the application amount of student loans is very limited, generally below 1 10,000 yuan.
Second, apply for a business loan.
The state's support for college students' entrepreneurship is constantly improving, so banks provide applications for college students' entrepreneurship loans. In the application process, as long as college students effectively sort out their school certificates and applied entrepreneurial projects, and then submit them to the bank, if they have legal procedures such as business licenses, the probability of obtaining entrepreneurial loans is higher, helping countless college students successfully complete the whole process of loans and apply for higher personal loans.
Can college students borrow money from the bank?
Because there is no source of income, college students can't apply for ordinary commercial loans, but those who meet the conditions can apply for student loans issued by China Development Bank.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan led by the government, subsidized by finance, compensated by finance and universities for certain risks, and operated jointly by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation.