Before applying for the national student loan, students should first understand the loan conditions and prepare the loan materials, then submit the loan application and issue the loan after approval.
The first step of the national student loan process: understand the loan time.
After the school starts in September, college students can start to apply for national student loans. If you miss the application time, you can only wait until next year.
The second step of the national student loan process: understanding the loan target.
National student loans are mainly for junior college students (including higher vocational students), master students and second bachelor degree students with financial difficulties. It should be noted that doctoral students are not allowed to apply for national student loans.
The third step of the national student loan process: understand the loan conditions.
1, China nationality and resident identity card.
2. Have full capacity for civil conduct. If you apply for a minor student, you need the written consent of the legal guardian.
3, honest and trustworthy, law-abiding, no illegal behavior.
4. Students who study hard and can complete their studies normally.
5. The family has financial difficulties, and the family income is not enough to support the completion of their studies.
6. The loan students did not get loans from other students.
The fourth step of the national student loan process: understand the purpose of the loan.
National student loans are generally used for tuition and accommodation, and if there is any balance, they can be used to loan students' living expenses.
The fifth step of the national student loan process: prepare loan information.
1, student ID card, original and photocopy of ID card.
2, the civil affairs department about the family economic difficulties, need to build official seal.
3 other materials required by the national student loan.
The sixth step of the national student loan process: the online service system for registered students.
Baidu National Development Bank Student Loan Information Network successfully registered personal information.
Step 7 of the national student loan process: download the loan application form.
Log in to the student online service system, enter the "loan application" module, click "Export loan application form" and fill in the loan application form. The qualification examination unit of the application form can be qualified by the unit where the graduation high school is located, the village (neighborhood) Committee and the township (street) civil affairs department and stamped with the official seal.
Step 8 of the national student loan process: confirm the loan amount.
The maximum loan amount per student per year is not more than 6000 yuan, and the minimum loan amount is not less than 1000 yuan. However, the specific loan amount is determined by the branches of the Development Bank and the provincial capital center.
The ninth step of the national student loan process: sign a loan contract and wait for review.
The student financial aid department of the school is responsible for the qualification examination of the national student loan application submitted by the students, and the official seal of the university is affixed after the examination, and the bank is responsible for the final examination and approval of the student loan application.
The tenth step of the national student loan process: successfully issuing loans.
After the loan application is approved, the loan funds will be distributed to the borrower's Alipay account.
What is the application process of China Bank's national student loan?
China Bank's national student loan application process:
1, offline mode:
(1) Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.
(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.
(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application stamped with the official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send it to the handling bank together with the application materials in the form of electronic documents and written documents.
(4) The handling bank shall complete the examination within 10 working days according to the regulations after receiving the Information Form for Examining Students Applying for National Student Loans and the application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The audit of the handling bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.
(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.
(6) The handling bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.
(VII) Institutions of higher learning should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs recognized by the handling bank.
(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 10 working days, complete the review of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.
2. Online mode: After May 29, 2022, the policy will resume online channel application:
(1) If the online mode is adopted, it shall be examined and approved by the Bank of China and then by the university.
(2) After receiving the student's application, the handling bank shall review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.
(3) The undertaking institutions of colleges and universities should examine the authenticity of students' family financial difficulties qualifications and enrollment registration. At the same time, according to the amount of tuition and accommodation required by students, the amount of loans applied for will be reviewed and adjusted. The undertaking institution of a university shall complete the examination and approval through the Shang Yi _ National Student Loan System of China Bank within 20 working days after receiving the application for student loan approved by the bank. Colleges and universities can complete the loan review in batches.
(4) After being approved by the handling bank and the university undertaking institution respectively, the two parties organize students to sign a loan contract in the personal mobile banking of BOC, and the loan process will enter after the contract is signed. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the personal mobile banking of China Bank signs the loan contract, the handling bank shall prepare a student list page, which shall be sealed by the university undertaking institution, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the mobile banking terminal and submit it to the university organizer.
Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.
The above contents are for your reference. Please refer to the actual business regulations.
How to apply for a student loan
Student loan application process: 1. Students apply for loans and apply to the school; 2. The school conducts a preliminary examination of student loans; 3. After the examination and approval, the students and the school sign a contract; 4. The school helps students get loans from banks; 5. After the approval of the bank, issue loans; 6. Students repay their loans after graduation.
When students borrow money, they can also borrow money online by themselves. When students borrow online, they must choose official websites such as the National Development Bank Student Loan Information Network to prevent being cheated by other loan websites. After entering the website of China Development Bank's student loan information network, find the source of student waiters on the website and register your application on this website. After logging in, fill in the relevant information to apply for a loan.
Nowadays, many students choose loans because their families can't pay a lot of tuition fees for the time being, or because students pay their own tuition fees for independence. Many students will be cheated when they borrow money, because they can't tell the difference between formal loans and induced loan websites. Therefore, it is best for students to apply for loans at school.
How to handle the student loan process?
The whole application process is divided into six parts, taking a qualified student as an example:
Step 1: Students apply.
Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.
Step 2: The school institution conducts the loan preliminary examination.
The school organizes students to apply for loans and accepts student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.
Step 3: The handling bank approves the loan.
The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.
Step 4: Sign a loan contract with the students.
After the loan application is approved, the school will organize students to fill in and sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
Step 5: Borrow.
The handling bank shall, within 20 working days after signing the loan contract and receipt with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses loans into the designated account opened by the school in the handling bank.
Step 6: Repay the loan.
Students who borrow money should pay attention to their own credit and repay on time after completing their studies with student loans.
Process of applying for national student loan
The basic process of applying for a student loan for the first time includes: registering students' online system, filling in an application form, conducting qualification examination and signing a loan contract. I. Application process and required materials for student loans 1. Application process (using equipment: browser computer: macbookpromos 14, opening google version 92.0.4515.131), registering students' online service system, and logging in the student loan information network of China Development Bank. (2) Qualification Examination If it is the first time to apply for a loan, you need to hold an application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification examination and build official seal. If it is a loan renewal, there is no need to review it. You can go directly to the county-level funding center for loan renewal procedures. (3) Fill in the application form, fill in the application form online, export and print it after completion, and sign it by the borrowing student himself. (4) Fill in the Application Form for Identification of Students from Poor Families, and export the Application Form for Identification of Students from Poor Families, which shall be signed by both the borrower and the borrower. (5) Students who have signed a loan contract * * * bring the required materials to sign a contract with the borrower at the county-level help center where the household registration is located and receive a receipt. (6) submit a receipt. The borrower will give the receipt to the college teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10. 2. Required materials (1) The original application form signed by the borrowing student himself. (2) The original application form signed by the borrower for the identification of borrowing students and students with financial difficulties (students who fail to apply in advance must provide it). (3) The original ID cards of the borrower and the borrower. (4) the original admission notice or student ID card. (5) the original account book. I. National Student Loan The national student loan is a bank loan jointly operated by banks, education administrative departments and universities, which is led by the government, subsidized by the government and given certain risk compensation by finance and universities. Help students from poor families in colleges and universities pay for tuition, accommodation and living expenses during their studies at school. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school to handle the national student loan. After students report to the school, they can apply for national student loans from financial institutions through the school. Second, the conditions for applying for student loans 1. Students are poor and unable to afford tuition and daily living expenses. 2. Students who have reached the age of 16 are China residents and have corresponding identification information. 3. Students have independent ideological and behavioral activities and the ability to undertake responsibilities and obligations. 4. Students have no record of serious violations of laws and regulations, good conduct and strict attitude. Students should study hard and finish their studies smoothly.
How to borrow a student loan?
First, fresh graduates who want to apply for loans through lending institutions need to meet the following conditions:
1. The applicant is at least 18 years old, has a valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
2. There is a certain income, and the income reaches a certain period, and the period reaches a certain amount;
3. Good credit record, no bad credit record is very important. If the borrower has a bad credit record, it will be difficult to obtain a loan successfully;
4. The applicant holds the business license issued by the administrative department for industry and commerce and the business license of related industries, engages in legal production and business activities, and has stable income and the ability to repay the principal and interest.
5. Other conditions stipulated by the lending institution. The student is applying for a business start-up loan and needs to meet the relevant policies of local business start-up loans. If students can provide proof materials such as real estate and cars under their own names when applying for loans, it will be beneficial to get loans smoothly.
Second, the application process of college students' entrepreneurial loans:
1, application. Graduates apply to the Municipal Personnel Bureau with various materials.
2. First instance. The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.
4. review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.
5. guarantee. The guarantee institution shall examine the loan applicant's application for guarantee and the counter-guarantee measures provided.
6. recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.
7. The loan application is successful and the loan is issued.
Three, the use of college students' entrepreneurial loans should comply with relevant state laws and bank credit policies, and are not allowed to be used for equity investment. Open a settlement account in a bank, and the operating income will be settled by the bank.
This concludes the introduction of student loan process and student loan handling process. I wonder if you found the information you need from it?