School Credit - Banks:

1. Gather all the required documents: Banks will usually evaluate the applicant's character, capacity to repay the loan and ability to comply with the banks' condition. The documents you will be presenting will aid the bank in making a decision whether to grant or deny your loan request. Make sure that you can present and submit all the required documents that the bank is asking for. Some banks may ask you to submit additional documents aside from the ones listed on the 'Required documents' section, it will be better if you can get in touch with the bank by phone or check the bank's website first before going to the bank. Ask the bank representative/loan officer if he/she can give you a checklist of required documents and direct you to the nearest branch of the bank in your area.
2. Starting your application:
   1. Most loan applications are done in person, with the borrower going to the bank, filling in an application form and submitting the completed form along with all other required documents. Note: Before you go to the bank, check if you will need to set up an appointment first.
   2. It might also be helpful if you can check the bank's website again and see if you can start your loan application online. Some banks have a preliminary application form available online which the borrower must fill in and submit. After reviewing the application, a lending officer will contact you to discuss your application.
3. Loan Agreement: After submitting all the required documents and once it is approved, the bank will ask you along with your and/or your legal representative to sign the loan agreement. For some banks the loan agreement form is actually the application form itself. Usually found on the bottom of the form is the loan agreement clause where it states the terms of the loan and features a space where the borrower can affix his/her signature and sometimes another space for the guarantor. Note: Read the loan agreement carefully before you sign, take note of the interest rate, grace period, when you will start repaying the loan and any penalties in case of default.

Some documents that banks may ask loan applicants to produce:

• Signed application form
• Valid identification
• Proof that the student is enrolled in a university/college

Note: Documents listed above are just some of the requirements that a bank may ask you to submit, it may vary per bank or some banks may ask you to produce additional documents. Get in touch with the bank by phone or check the bank's website first before going to their office to apply for a loan.

Please list down the office locations that can be approached for applying. External links can also be used specifying office locations.

Some banks offers school credit to any employee with regular income.

Explain the fees structure which is required for obtaining the certificate/document.

Some banks offers school credit that can be repaid over a period of 9 months.

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e.g In the following url "http://www.youtube.com/watch?v=Y0US7oR_t3M" Video ID is "Y0US7oR_t3M". 
	

Things you should know before applying for a loan:

Before you apply for a loan, carefully take note of the interest rate, conditions, and repayment scheme that the bank is offering. Look into several banks and do some research regarding the banks application process. It may be helpful if you can ask your university/college if they offer any loans to students or if they have partnered with any banks that offers student financing.

One thing that you also need to consider in choosing where to apply for a student loan is the bank's customer service, since student loans are usually long term, it will make transactions easier and can save you from a lot of stress in the future if your bank has good and accommodating bank representatives or loan officers.

Tip: You may not need to accept the entire loan amount the bank is offering you. Since you will be paying back the loan sometime in the future, it will be more ideal if you will only borrow what you need.

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1. Date of Birth.
2. City or County of Birth.

There are banks in Guinea-Bissau that offers school credit that can help students or their parents pay for school expenses before the start of classes.

Following is a guide on how to apply for a loan or seek financial aid for school in Guinea-Bissau.

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e.g. Birth Certificate can be used as proof of identity.

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