What are the student loan methods?

Student loan methods are:

1. Student loans: If poor college students meet the loan conditions, they can apply for national loans through the school. Student loans or student loans from the student’s place of origin.

2. Entrepreneurship loan: Graduated college students who are still within the application conditions for an entrepreneurial loan can go to the bank to inquire about the loan business, provide relevant information as required, and then apply for a loan.

3. Credit loan: There are many small credit loan platforms on the market. Choose a formal platform to apply for a credit loan or go to the bank to apply for a credit card for students.

Where can college students get loans?

Hello dear, there are the following platforms for college student loans:

1. Wo Lai Dai

Wo Lai Dai APP is known as the fastest loan for college students to borrow money. Platform, the limit is 300-3000 yuan, the interest rate is 1-2, and the loan period is 1 month to 6 months. College students can borrow money quickly as long as they successfully register, fill in the relevant information and take photos with their ID cards and student ID cards.

The loan amount of Wo Lai is 300-3000 yuan, the interest rate is 1-2, and the loan period is 1 month to 6 months. Same day review and same day payment. It only takes three minutes to pass the review quickly.

2. Famous School Loan

Famous School Loan APP is a loan APP for college students launched by Nono Lianke. Just register and fill in your student status information to apply. The maximum loan amount is 100-50,000. The borrowing fee is 0.99, calculated on a monthly basis. Funds can be credited within 48 hours after borrowing money.

As long as you register and fill in your student status information, you can apply. The maximum loan amount is 100-50,000. The borrowing fee is 0.99, calculated on a monthly basis. Funds can be credited within 48 hours after borrowing money.

3. College Student Loans

Jiurong Finance mainly launches college student loans, entrepreneurial loans, school grass loans, school flower loans, and emergency loans. Jiurong Financial College Student Loan Borrowers can apply as long as they have a college degree or above in the national unified recruitment. They only need to prepare their student ID card and ID card. The monthly interest rate is 0.98 and the limit is 100-50,000 yuan. In order to make it more convenient for college students to meet their emergency needs, Jiurong Finance has specially launched an emergency loan product, which is faster and easier to approve. The unified amount is 2,000 yuan, and the loan can be issued within 3 hours.

4. Flash Student Loan

Lightning Student Loan provides the most flexible loan limit, launching loans of 300 yuan, 500 yuan, and 800 yuan for college students, and provides short-term loans of up to Flexible repayment period from 7 days to 15 days.

5. U-College Loan

It is mainly aimed at college students. It provides loan amounts of 500 yuan, 800 yuan and 1,000 yuan, and has a loan cycle of 10-40 days. services. Family U charges a service fee of (250.1/day) for each successful loan.

6. U College Loan APP

U College Loan is a loan APP launched to target the multi-faceted consumption habits of college students. The limit is 1,000-3,000 yuan, the loan period is 3-6 months, and the handling fee is 1.2-1.9. The longer the period, the higher the fee.

7. Flash Silver APP

Flash Silver APP is aimed at 52" people (2 years before graduation and 5 years after graduation). It only requires an ID card and a bank debit card. You can borrow money, and the monthly fee is 1.5-2. The funds can be received on the same day.

8. Lightning Student Loan APP

Lightning Student Loan is launched by Shanghai Credit Aid Financial. The biggest feature of Lightning Student Loan Android version, a mobile cash loan software for college students, is that it can help college students solve their urgent needs. Whether they need money urgently in life, study, entertainment, etc., they can use Lightning Student Loan to borrow money. Lightning Student Loans offer loans of 300 yuan, 500 yuan, and 800 yuan to college students. It also provides flexible repayment cycles as short as 7 days and as long as 15 days based on college students’ spending power, so it is very convenient.

However, it is recommended that college students should not spend in advance or use online loans. If they are overdue, it will have a great impact on themselves.

I hope this answer can help you

Introducing several ways to get business loans for college students!

With the increasing employment pressure, many college students now Everyone will choose to apply for a business loan to start a business. So, what channels can be used to apply for entrepreneurial loans for college students? Next, I will sort out relevant information for you about entrepreneurial loan channels for college students.

What are the ways to get entrepreneurial loans for college students?

1. Banks

Banks are the most common channel for entrepreneurial financing, but their application threshold is relatively high. Many college students are turned away because they do not meet the requirements. At this time, there are Borrowers in need can consider the second channel.

2. Government

If college graduates start their own business within two years after graduation, they must apply for a business license at the industrial and commercial department where the entrepreneurial entity is located, and the registered capital (capital) is less than 500,000 yuan. , it is allowed to be paid in installments. The first phase of the capital is not less than 10% of the registered capital (the capital contribution is not less than 30,000 yuan). The paid-in registered capital is increased to more than 50% within one year, and the balance can be paid in installments within 3 years.

3. Lending institutions: lending institutions designated by policies

Often referred to as interest-free entrepreneurship loans for college students, etc., are preferential entrepreneurship loans supported by local policies. Such support policies are generally led by relevant departments such as the Employment Bureau and the Ministry of Finance, and work with designated financial institutions to provide financial support to college student entrepreneurship projects that meet the requirements within their jurisdiction. Such loans are usually guaranteed by relevant government departments or even supported by interest discounts.

Lending institutions: banks, small loan companies, etc.

Loan method 1: Mortgage loan

If you have your own property or other people's property that can provide mortgage, you can apply for a mortgage loan from a bank or other institutions. The loan amount can be up to 80% of the home value.

Loan method 2: Guaranteed loan

College graduates who currently lack the ability to repay can obtain a loan with a guarantee from a third party with the ability to repay.

Loan method three:

Students who work after graduation, have a relatively stable income, can provide bank statements, and have good credit can apply to banks, companies, etc. Then use the loan funds to start a business.

What are the requirements for how to apply for a loan for college students?

1. The loan methods for college students are as follows: 1. Apply for a student loan through the China Development Bank and enjoy the interest-free preferential policy during school. The subsequent repayment will be calculated based on the central bank's benchmark loan interest rate for the same period and period;

2. To apply for a college student credit loan through major banks, you must be over 18 years old, have no bad credit record, and have no other liabilities;

3. If you use loan platforms or institutions on the market, you need to be careful of routine loans or loans and be sure to find a formal and reliable platform.

2. Are there any conditions required for college students to apply for loans?

Currently, there are two types of student loans for college students: national student loans and credit-based student loans from the student’s place of origin. Both types of loans can only be used in one type, and the maximum loan amount is 6,000. If you have just entered college and have not yet registered at the university, you can apply for a credit student loan from your place of origin.

You can apply at the district (county) education subsidy center. If you are a student in school, you can apply for a national student loan. After the student submits the application, the school will conduct a preliminary review. After the bank approves the application, the two parties will sign a contract and the bank will issue the loan.

To apply for a national student loan, you need to meet the following conditions:

(1) The borrower is over 18 years old and has full capacity for civil conduct (minors must be informed by their legal guardian in writing agree).

(2) The borrower has a good credit record and has no illegal behavior.

(3) Have good academic performance and be able to complete their studies normally.

(4) The income earned during school is insufficient to cover the basic expenses required to complete studies (including tuition, accommodation and living expenses).

(5) Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and perform the loan repayment obligations in accordance with the regulations.

(6) Meet other conditions stipulated in the "General Rules for Loans" promulgated by the People's Bank of China.

3. Materials for college students to apply for student loans

The school will issue a notice at the end of the second semester of each year to issue and stamp a certificate of enrollment to college students who need to apply for student loans. The official seal of the school and department.

College student loans require proof of identity. Current students need to provide student ID cards and transcripts. Graduated students need to provide graduation certificates, degree certificates, commonly used passbooks or bank card reconciliation lists in the past 6 months and other credit information. prove.

One copy of the ID cards and copies of the student borrower and ***’s fellow borrower

The borrower and ***’s fellow borrower need to go to the financial aid center at the same time, because they are First time loan. As the guarantor of the student, *** the borrower is mainly his or her parents; if the borrower is an orphan, the *** borrower will be other legal guardians, etc.

Student ID card and its copy in one copy

Student ID card is nothing more than the most powerful proof of your identity, so it is also essential. If your student ID card is accidentally lost and you need to apply for a student loan, you can apply for a certificate of loss from the school; or explain the situation to your (county, city, district) financial aid center, and then reissue your student ID card and send it back. The funding center where it is located.

The original household registration booklet and a copy of the page of the household registration book for the student who borrowed the money, and the page for the same borrower

The household registration booklet is your proof of household registration. , generally indispensable. Family situation survey form or poverty student identification form, application form in duplicate. ;

Where can college students get loans?

1. Bank loans. With the continuous development of social economy, college students can apply for loans directly from banks. The advantages of bank loans are large amounts and low application thresholds. In other words, the success rate of college student loans is relatively high. However, bank loan thresholds are higher. College student loans require applicants to provide proof of identity, employment certificate, student ID and other materials. 2. Loans from loan companies. The loan threshold of loan companies is lower than that of banks, but not every student can apply for a loan. The loan threshold of a college student loan company will be lower than that of a bank.

That’s it for the introduction of loan methods for college students.