College student loans (students? Loan) generally refers to the national student loan, which is a bank loan led by the government, subsidized by the government, jointly compensated by finance and universities, and jointly operated by banks, education administrative departments and universities. This is a credit student loan. Since 1999, China Industrial and Commercial Bank has started the pilot project of "National Student Loan".
Postgraduate loan application process
1. First log in to the student online service system.
2. Register an account and fill in the loan application form as required.
3. Graduate students bring loan application, ID card, student ID card, household registration book and other materials to the funding center to submit materials.
4. After the approval, the funding center signs a loan contract with the graduate students.
Give the receipt to the school, and the school will input the receipt information into the system.
6. Just wait for the loan.
Loan form
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
Conditions for applying for a national student loan
Conditions for applying for national student loans: full capacity for civil conduct (minors must obtain the written consent of their legal guardians); Honest and trustworthy, law-abiding, no violations of law; Study hard and be able to complete your studies normally; Due to family difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies; Approved by the school; Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.
Student loan materials
Materials for applying for the national student loan: provide the necessary information about my family's financial situation (generally including my written application, family financial situation questionnaire, proof of difficulties at street or township level or above, guarantor's guarantee and my actual performance, etc. ), promise the repayment liability clause, and provide the repayment guarantor.