To apply for a study assistance loan, you must:
1. Be an adult with full civil rights
2. Have an ID card, university student identification or university entrance notification.
3. Have no criminal record, no serious infractions on your study record and no credit fraud record.
4. Have an average monthly income per person of less than 400 yuan
5. Be hardworking and have high moral standards
6. Promise to inform the loan provider with the necessary information, including the company or unit you will work with, the income, home address and other contact information.

You need to submit the following materials to apply for a study assistance loan:
1. Loan application
2. University student identification or university entrance notification
3. Family economic status and parental permission to apply
4. Confirmation from the school authority
5. The bank may ask for further information considered necessary to grant a loan.

The student may submit the application to the school administration, which will check the information provided and hand it on to the bank if confirmed.