National student loan (1) is a credit student loan provided by financial institutions and led by the government to help solve the study and living expenses during school. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The national student loan interest of the loan students during their school days is paid by the finance, and the interest after graduation is paid in full by the borrower. In order to encourage financial institutions to undertake national student loans and establish a loan risk sharing mechanism, finance (universities) will give certain risk compensation to the handling banks. 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.
Second, the five steps for college students from poor families to apply for national student loans According to the location and workflow of students' application, national student loans are divided into two modes: national student loans in schools and credit student loans in students' places of origin. Students from poor families applying for national student loans shall be handled according to the following procedure (3):
(A) students apply first
Students should apply to their school's affiliated institutions within the specified time, receive the "Approval Form for the Application of National Student Loan" and other materials, fill them out truthfully and completely, and submit the relevant materials to the local school's national student loan agency;
(two) the school institutions to carry out the preliminary examination of loans.
The working department conducts a comprehensive review according to the conditions and requirements;
(3) The handling bank has approved the loan.
The handling bank shall complete the audit within 20 days after receiving the submitted application and information form;
(d) Schools and students should sign repayment contracts.
After the loan application is approved, the school will organize students to fill in and sign the loan contract within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank;
(5) Loan issuance
Third, the way to handle the national student loan and the student source credit student loan Taking Jiangsu Institute of Architecture (II) as an example, students with financial difficulties can handle the national student loan in two ways.
(A) Jiangsu Province, the source of credit student loans
1. Basic explanation
Student-origin credit student loan in Jiangsu province refers to the rural credit cooperatives where the household registration is located to handle student loans.
Step 2 move materials
(1) The applicant's ID card and student ID card (the new student should submit the admission notice);
Certificate of application for student-origin credit student loan issued by the school.
3. Processing time
July -65438+ 10 every year. Mainly for students in Jiangsu Province.
National Student Loans in Colleges and Universities
1. Basic explanation
The national student loan in colleges and universities refers to the national student loan that the students themselves apply to the relevant banks through the school.
Step 2 move materials
(1) student loan application approval form;
(2) Family difficulties certificate issued by the village committee (office) and township (town) civil affairs department where the student's family is located;
(3) Student ID card and a copy of the student ID card;
(4) A copy of the ID card of the witness (two persons);
⑤ Student transcripts provided by the Academic Affairs Office (college entrance examination results issued by freshmen).
3. Processing time
Every year 10 to 65438+February.
In addition, for freshmen with particularly difficult family economy, they can go through the "green channel" for admission procedures first, and then take different measures to provide financial assistance according to the verified situation. Set up an office at the new student registration site to handle the "green channel" admission procedures.
Four. Precautions for college students with family difficulties to apply for national student loans (national student loans on campus and student credit student loans) Specific precautions (4) are as follows:
(1) Loan amount and repayment period of the national student loan object in the school
The object of national student loans on campus is full-time college students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties. In principle, the maximum application amount of each student per academic year does not exceed 6000 yuan. According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.
(two) the object, amount and repayment period of the student credit loan.
Student-origin credit student loans are for full-time junior college students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties, and apply for loans from the student financial assistance management institutions in the counties (cities, districts) where the household registration is located (some areas directly apply to relevant financial institutions). The loan amount applied by the borrower for each academic year shall not exceed 6,000 yuan in principle. In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Reference data
National student financial aid policy system: Article 4 of the Student Financial Aid Policy stipulates that People's Republic of China (PRC) and the Central People's Government
How do students from poor families apply for national student loans? Jiangsu Vocational and Technical College of Architecture Student Recruiting Network
Students from poor families must follow five steps in applying for national student loans. Central People's Government of People's Republic of China (PRC) and China
National student financial aid policy system: Article 4 of the Student Financial Aid Policy stipulates that People's Republic of China (PRC) and the Central People's Government