Personal credit information cannot be changed at will. If personal credit information is damaged due to personal reasons, the credit information report shall be kept for 5 years. At the end of 20 12 10, the central bank issued new regulations on personal credit management. The new regulations stipulate that personal credit information will no longer be accompanied for life, and its credit information will be kept for five years from the date of loan and loan balance payment, which was made before 2009 10.
Remind friends, when you have a loan relationship with the bank, you must remember to ensure that you repay the loan in full every month according to the loan contract, otherwise it will bring unnecessary obstacles to the future refinancing of yourself and your company!
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How to write a loan application for college students?
Dear college leaders and teachers,
I'm Li xx from Hotel (2) Class of Management Engineering Department. My home is in Sichuan province. I am located in a remote and inaccessible area, and I live in an uphill and hilly area. I have little arable land and underdeveloped animal husbandry. My family life is already very poor. When I started school in 2009, I had the opportunity to study here. Unexpected things happened, but my mother was in a state of emergency, and my family was in a desperate situation again. In the next two years, my old father, I worked hard to pay for my tuition, but it was still a drop in the bucket and I had to ask for it again. Now my relatives and friends who are not rich have done their best. Whenever I see my parents secretly sighing and crying at the beginning of school, whenever I see my father's increasingly stooped back, I want to be self-reliant, so that my parents can worry about my tuition and reduce their burden. I don't know how much I owe them. I only know that it is the best reward to make them live happily for the rest of their lives with my efforts. I don't want to lose the opportunity to study in the last two years of college, and I don't want to give up halfway because the tuition can't be paid, so I applied for a student loan here.
I have good conduct, excellent grades, law-abiding, no illegal behavior, honesty and trustworthiness, and keep my promise. I have passed CET-4. I have always been conscientious in my work, participated in the training of activists joining the Party, and was deeply influenced by Marxism-Leninism and Deng Xiaoping Theory. This is a great stone, I can get a loan and pay my tuition. I said, I will put more energy into my future study and life and work hard to finish my studies. Strive for excellent graduation, win glory for the class and college, and lay a solid foundation for the future and make a good reserve for future work through continuous efforts and continuous absorption of knowledge.
After leaving school, I will definitely repay the loan on time as agreed, and there will never be any default, thinking that I know there are many college students like me waiting for money to pay the tuition, and more parents are working hard for their children's tuition, and some even sell blood to raise money. Think about the loans with blood on their hands, and think about the value of a person's commitment and credit. There is no reason for anyone not to take this as something more important than repaying the loan. Please trust my personality with leaders and banks.
I hereby apply and hope to be approved!
I am here to convey
welcome
Applicant:
Date, year and month
Student loan application form (model)
Jiangxi Rural Credit Cooperatives:
I am a poor student of Grade 07 in Chinese Department of Jiangxi Normal University of Science and Technology, and I come from a remote rural area in Jiujiang City. There are six people in my family, grandpa, grandma, dad, mom, sister and me. Grandparents support the elderly at home, my sister goes to high school in the county, my parents farm at home, and my mother is sick. The expenses of the whole family mainly depend on crops. Due to the small land and large population in my hometown, and the flood and crop failure last year, the per capita income of the whole family is less than that of 400 yuan. After entering the university, most of the tuition fees were borrowed by relatives and friends. It will be even more difficult for me to pay all my tuition fees this year. In order not to affect my studies because of financial difficulties, and to pay off my tuition in full and on time, I hereby propose a student loan to your society. My loan amount is 6000 yuan, and I intend to pay off the principal and interest within 4 years after graduation. My parents also agreed to my loan and agreed to take joint responsibility. After the loan, I promise to fulfill my repayment obligations and repay the principal and interest of the loan on time. At the same time, I will continue to study hard and strive to repay the concern and support of the provincial rural credit cooperatives with excellent results. I hope the provincial rural credit cooperatives will approve it.
Applicant:
20 13-3- 19
How to write the format of college student loan certificate?
The format of poverty certificate is:
University name:
Your student XXX's parents are local residents, and the basic family situation is as follows:
1. Family population x, composition of family members: the annual family income is about 000 yuan.
Two. Main income source: XXXXXXXXXXX (fill in)
Three. At present, the main family difficulties are □ (such as whether family members are seriously ill, whether the medical expenses are high, whether they are disabled, whether the income source is single, and whether the labor force is small).
This is indeed a poor family. This is to certify that.
Application conditions
1, fresh graduate, graduated within two years.
2. College degree or above.
3. 18 years old or older.
4. Have a legitimate and good occupation, a stable economic income, and the ability to repay the principal and interest of the loan on schedule.
5. Abide by laws and regulations, and have no illegal acts and bad credit records.
Extended data:
Loan term and amount requirements
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years, after which they will no longer enjoy financial interest subsidies.
Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Loan repayment method
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall be paid off with the principal;
2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.