The environment in which we live will undergo various changes all the time. With the continuous development of social economy and science and technology, our living standard has been improved to a certain extent, and people's education level is getting higher and higher. More and more students have the opportunity to go to their dream university, but it must be said that there are still many poor students, so they will encounter some problems in the process. So for poor students, can they apply for student loans? First of all, in this case, yes, but in this case, we must ask students to apply in person. And within the specified time, apply to your school institution, get some relevant materials, fill them in truthfully and completely, and prepare relevant certificates, and return them to the state-funded loan agency of the school. Then the relevant institutions of the school will conduct loan review, and if they meet the conditions, they can apply for loans.

Besides, I have to say that the process of applying for a loan is relatively complicated, and we must do it step by step. In addition, if we want to apply for a student loan, we must go to the village Committee and obtain relevant certificates locally, so that we can apply for a loan. In addition, after the approval of the relevant institutions of the school is completed, we need to go to the bank to handle some related business. After the approval of the bank is completed, we can sign the relevant loan contract.

After students sign some relevant contracts, loans can be issued after the approval of the lending institution. To a certain extent, the money we borrowed will be put into the designated account opened by the bank run by the school and applied to our daily life, so this way is also very desirable, and we should pay attention to this process.

How do poor students get loans?

1. How to apply for a student loan When applying for a loan, students should apply to the school loan examination and approval authority and provide necessary information about their family economic situation (generally including their written application, family economic situation questionnaire, proof of difficulties above street level, guarantor's guarantee and its actual performance, etc.). ), promise the repayment liability clause, and provide the repayment guarantor. At present, the actual amount of college student loans is generally more than 1000 yuan per year. Repayment form of student loan: (1) Students will pay off in one lump sum or by stages before graduation; (2) After graduation, all loans will be repaid to the loan issuing department by their work units; (3) After the expiration of the internship, graduates will be deducted from their wages month by month within two to five years; (4) Graduates' work units can decide to reduce or exempt prepaid loans according to their work performance; (5) For students who have borrowed money, if they are expelled from the school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students should be responsible for returning all the loans. 2. How to apply for national student loans: Full-time undergraduates, junior college students and graduate students who have real economic difficulties in People's Republic of China (PRC) (China) (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province). Students applying for national student loans should meet the following conditions: ① they have full capacity for civil conduct (minors must have the written consent of their legal guardians); 2. Honest and trustworthy, law-abiding, no illegal behavior; (3) Good academic performance and normal completion of studies; (4) The income earned during the school period is not enough to pay the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations; ⑥ Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China. Application procedure: the bank does not directly accept the loan application of students at school. Students who apply for loans must apply for loans to the designated department (usually the student office) of their school before and after the start of the new school year 10, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other relevant materials. The interest rate of the national student loan shall be in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by students is subsidized by the state finance, and 50% is borne by the borrowing students. Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. Flexible repayment of principal and interest can be used for prepayment, repayment of interest together with the principal, and repayment in installments (by year, quarter or month). The specific repayment method shall be agreed by the lender and the borrower and incorporated into the contract. The repayment time starts from the first year after graduation at the latest. The principal and interest borrowed by students should be paid off within 4 years after graduation. With the consent of the lending bank, the national student loan can be extended, but the state will no longer give interest subsidies after it is overdue.

20 17 do poor rural households still have an interest-free loan policy? Can someone explain it in detail?

Conditions for bank interest-free loans:

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of risk loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in line with the relevant national laws and the provisions of the Bank's credit policy, and it shall not be used for other speculative investment projects such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or whether finance pays interest in advance, but the financial discount is certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.

What is the interest rate of 20 17 precision poverty alleviation loan?

Preferential interest rate of 3% per annum.

The loan target is poor farmers who set up files and set up cards. The loan amount is 1 to 50000 yuan per household, and the term is 1 to 3 years. The loan shall be subject to the national benchmark interest rate for the same period, with annual interest settlement and full discount from the provincial finance.

On July 201May 16, the first signing ceremony and mobilization meeting of the special loan for precision poverty alleviation in Gansu Province was held in Lanzhou.

According to the notice recently issued by the Gansu Provincial Department of Finance and other departments, the Provincial Department of Finance and relevant financial institutions in the province plan to implement the "Special Loan Project for Precise Poverty Alleviation" in 58 poverty-stricken counties and 17 poverty-stricken counties. 2065,438+05-2065,438+07,970 households, 465,438+registered card holders.

Extended data

The financial discount for poverty alleviation loans is as follows:

1. discount range of poverty alleviation loans

From June, 2000 (5438+ 10), according to the scale of the annual poverty alleviation loan plan determined by the State Council (including new poverty alleviation loans added in the current year, refinancing loans and new poverty alleviation loans that did not expire in the previous year), the central government will give interest subsidies within the planned quota. Poverty alleviation loans issued before 1998 will no longer be discounted.

2. The discount ratio of poverty alleviation loans

According to the State Council, "since 2000, all new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have been included in the poverty alleviation loan plan of that year.

3. The discount period of poverty alleviation loans

According to the State Council, "since 2000, all new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have been included in the poverty alleviation loan plan of that year.

4. Discount settlement of poverty alleviation loans

The discount on poverty alleviation loans shall be settled according to the facts on a quarterly basis, audited by the Ministry of Finance and settled with the head office of the Agricultural Bank. Agricultural banks at all levels, financial departments (bureaus) of provinces (autonomous regions and municipalities directly under the Central Government) and poverty alleviation offices must do this work seriously, timely, truly and accurately in accordance with the regulations.

The risks of poverty alleviation loans are as follows:

1. Due to the actual economic situation of the loan object and legal person supported by the poverty alleviation loan itself, it is impossible to provide guarantee for the loan, which makes the poverty alleviation loan lack risk protection.

2. Because most of the agricultural banks in poverty-stricken areas are poor lenders, most of the funds needed for poverty alleviation loans are borrowed from higher-level banks, and the cost of funds is high. Some even have upside-down loan interest rates, which leads to the more poverty alleviation loans are issued, the greater the losses of banks.

3. Subsidies for poverty alleviation loans are difficult to reach the designated position. From 1998 to the end of 2002, the cumulative loss of poverty alleviation loans of Agricultural Bank of Xiangxi Autonomous Prefecture was139.22 million yuan, of which the uncompensated spread due to the change of discount policy was 2130 million yuan, and the uncompensated spread was 8.73 million yuan. Because interest rates are upside down and interest spread subsidies are not in place, the risk of poverty alleviation loans is even heavier.