What is needed for a campus loan?

What should college students do to get campus loans?

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You should consume rationally to avoid comparison with each other. It is recommended to choose the correct amount that suits you.

Download the Jindou Installment mobile APP and be sure to make it according to the actual situation before consumption. Make a good budget for your expenses

What are the dangers of campus loans?

Recently, the Gulou police received a call for help regarding campus loans.

In the new semester, on university campuses, various loan and installment platforms of different sizes are flooding in, and campus loan accidents are also frequent.

On March 10, a college student was maliciously threatened and intimidated by a debt collector because he failed to repay a campus loan he borrowed from an online lending platform as scheduled.

"Someone sent me threatening text messages, saying that if I didn't repay the loan on time, I would tell my parents and the dean of the department, and some people were following me. I was already borrowing money desperately, but the interest rate was low at the beginning That's not the case at all. If you don't pay it overdue, you will have to bear handling fees, late fees, etc. I borrowed more than 1,000 yuan a year ago, and I have to pay more than 2,000 yuan in less than 2 months. I feel like I have fallen into a trap, and I am getting deeper and deeper into it. Deeper." Unable to tolerate the disturbance, classmate Zhou had to call the police for help.

The Gulou police stated that the police will intervene to warn and stop any illegal behavior that may threaten the personal safety of classmate Zhou.

The police stated that they do not approve of college students taking out loans in order to advance consumption or business. This kind of loan will put more pressure on yourself. College students should consume within their means and within their means.

Campus loans actually pose many potential safety risks for college students who are less cautious in society. The Gulou police have summarized the five major hazards of campus loans:

1. “Low interest rates” are not credible

At present, the annualized borrowing interest rates of most products on online loan platforms are above 15%. The so-called The "low interest rate" is not credible. The 0.99% monthly interest rate is a marketing gimmick, and students can easily be “scammed.”

2 The more convenient it is, the easier it is to become a "catastrophe"

Some loans are very convenient and only require an ID card. Some students use them due to personal relationships and other reasons. Use your ID card to apply for a loan for someone else. This kind of behavior is very risky, because once the other party is unable to repay, the remaining debt will be borne solely by the "received" person.

3 Once the student loan is overdue, the payment will be "all-round"

In some cases, once the student loan is not repaid, the online loan platform will not pursue the payment through legitimate channels, but will use Send group text messages to parents, relatives, friends, and teachers, post big-character posters on campus, and even arrange for personnel to come to intercept students and other means of threats and intimidation to collect money from students.

4 It is easy to develop bad habits of borrowing

Some students love to compare and have bad habits, and the fees provided by their parents cannot meet their needs. These students may turn to campus loan sharks to obtain funds and develop bad habits such as gambling and alcoholism. They may even skip classes or drop out of school because they cannot repay their loans.

5 It is easy to induce other crimes

Lenders may use campus "loansharks" to defraud students' mortgages and deposits, or use student information to engage in telephone fraud and defraud credit cards.

What materials are needed for college loans? Be specific.

Level 3 certificate, as long as this is required, I am talking about loans in school, not loans from students. When you arrive at school, give the certificate to the teacher. The teacher will ask you to fill out a form. For the first time, you need a copy of the household registration page. After that, your guardian will need to print your fingerprint. In fact, you can do this by yourself. This is the school procedure. . I hope it helps you, please adopt it if you are satisfied

What other legal provisions are there regarding campus loans? 20 points

The formal bank process is: First, the borrower needs to submit a series of materials other than ID cards to the bank, including

(1) Loan application approval form; ( The lender fills it out directly at the lending institution)

(2) Proof of residential address; (certificate issued by the neighborhood committee or invoice for water and electricity bills paid)

(3) Proof of work and income;

(4) Other information specified by the bank.

Secondly, after the bank approves the application materials submitted by the borrower, the two parties sign a loan contract.

Finally, the bank issues the loan to the borrower by transfer.

What are the dangers of campus loans

What are the dangers of campus loans

1. Campus loans are usury in nature.

Criminals target colleges and universities, taking advantage of college students' poor social cognition and psychological weakness to carry out short-term, small-amount loan activities. On the surface, this kind of loan is "small profit" "Sell more", but in fact the interest rates obtained by criminals are 20-30 times that of banks, and they wantonly make money from students.

2. Campus loans will breed the bad habit of borrowing students.

The financial source of college students mainly depends on the living expenses provided by their parents. If students have a comparison mentality and have bad habits, then the expenses provided by their parents will definitely not be enough to meet their needs. Therefore, these students may turn to campus loan sharks to obtain funds, which may lead to bad habits such as gambling and alcoholism. In serious cases, they may skip classes or drop out of school due to inability to repay.

3. If the loan cannot be repaid in time, lenders will use various means to collect debts from students.

Some lenders will require items of a certain value as collateral when lending, and will also require copies of students’ student ID cards and ID cards. They know the students’ personal information very well, so once the students cannot repay the loan on time , lenders may resort to violent debt collection methods by intimidating, beating, and threatening students and even their parents, causing significant harm to students' personal safety and the campus order of colleges and universities.

4. Some criminals use "loan sharking" to commit other crimes.

Lenders may use campus “loan sharks” to defraud students out of their mortgages and deposits, or use students’ personal information to conduct telephone fraud and fraudulently obtain credit cards.

What are the campus loans for college students?

Conditions for applying for loan business:

1. Natural persons aged 18-65 years old;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Levy Good credit and no bad records;

5. Other conditions specified by the bank.

What are the loan platforms for college students?

There are many, such as Fenqile, 52 Campus, Qufenqi, Aixuedai, 99 Installment and Youfenqi

College students What software are there for campus loan platforms?

Hello, there are many online loan platforms now. You can search online. Many of them are targeted at college student loans. Just fill in the information online and apply for an order. Generally, it is all reviewed online, no need to do so, and the application is signed in person. I hope this can help you.

What is a campus loan?

Tuition Ticket - College Student Credit Installment Platform is happy to answer your questions:

Campus loans were one of the topics that caused a sensation on campus and in major social media in 2016. The cause of the incident was a scandal at a certain university in Henan. A college student used his own identity and the identities of his classmates to obtain unsecured credit loans worth hundreds of thousands of dollars from different campus financial platforms. When he was unable to repay the loan, he jumped from a building and committed suicide.

In April 2016, the Ministry of Education and the China Banking Regulatory Commission jointly issued the "Notice on Strengthening the Risk Prevention and Educational Guidance of Non-performing Online Lending on Campus", which clearly requires universities to establish a daily monitoring mechanism and real-time monitoring of non-performing online lending on campus. Early warning mechanism, and at the same time, establish a response and disposal mechanism for bad online loans on campus.

On August 24, 2016, the China Banking Regulatory Commission also clearly proposed the five-word policy of "stop, move, rectify, teach, and introduce" to rectify the problem of campus loans.

For more questions about campus loans, please pay attention to the official website of the tuition ticket. Thank you, please adopt!

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What is needed to apply for a campus loan?