Generally, the school arranges registration in a unified way, and the school will report it to the bank after the preliminary examination. Then the bank conducts a pre-loan survey to investigate the authenticity and validity of the information you provide. Then carry out loan approval and check your personal information and the authenticity, validity and completeness of the information provided. Finally, the loan was issued, and I had to go to the bank to sign it. Then the tuition, accommodation and living expenses will be given to you in one lump sum and monthly. The first repayment is to start any month within two years after graduation.

The materials to be provided are: ID card, street proof to prove family difficulties, salary slip and other family income proof (if you want to do business, you should provide bills) and household registration book. That's basically it. Just provide it according to the requirements of banks. The national individual student loan, the interest is paid by the state, and the risk is small. All the materials are ready, so it's easier to handle.

Second, the student loan extension process

Many friends don't know how to renew their loans in the second year after applying for student loans from their places of origin. Today, I will introduce the extension process of student-origin student loan to you.

1 network, select the student online service system (students enter the system with ID number and password;

2. Click the Add button in the Loan dialog box;

3. Click Submit in the pop-up dialog box after completion;

4. Click on the export application form below and print two copies;

5. The original and photocopy of the ID card, as well as the loan contract of last year, should be handled at the local provident fund center.

Precautions:

1. If the school needs to issue a certificate, it is recommended to contact the local funding center to confirm yes.

2. The source of student loans shall be handled by both borrowers, with one party as proof.

3. What is the procedure for applying for a student loan? What is the specific process?

Fill in the application form, download and print it, and bring your identity certificate and copy to the local education bureau. The student loan management office of the Education Bureau needs to review, sign a loan contract after passing, and receive a loan receipt one month later and hand it over to the school.

College student loan is a very good policy and way to help students, which makes many students who are discouraged from colleges and universities realize their college dreams. The source of funds is provided by China Development Bank. From the year of enrollment to September of the year of graduation, all loan interest shall be borne by the state. Students begin to repay the principal and interest on their own in September of the year of graduation, and repay the principal and interest on schedule in the following year, and the state no longer bears interest.

1. To apply for a student loan, first log in to official website, select a student loan, fill in the loan application form, and then download and print it as required.

2. In general, some places need to provide materials that can explain the family's financial difficulties, and then go to the local education bureau with the borrower. You need to bring the original and photocopy of the identity certificate and household registration book of the lender and yourself.

3. The Education Bureau will review it at present. If it passes the examination, it will sign a written contract with China Development Bank. The loan management office of the Education Bureau belongs only to the trustee.

4. The approved contract shall be properly kept. When the school starts to register, it should show the loan contract certificate, then give the receipt to the school and confirm the loan issuance with the bank.

Four, the student loan program

1. Student application. 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 (hereinafter referred to as "school institutions"). 2 school institutions to conduct a preliminary review of the loan. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. Review the materials submitted by students. Stamp and confirm the approved loan application form, convey the audit results to the students, and make the National Student Loan Audit Information Form (hereinafter referred to as the Information Form) and the application materials I- and send them to the China Bank Agency (hereinafter referred to as the handling bank). 3, the handling bank for loan approval. The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school. If there are any mistakes or omissions, the school will be required to correct or supplement them. The handling bank will uniformly compile the approved student roster and send it to the school together with the blank loan contract and iou. 4. Sign a loan contract with students. 5. issue loans. After signing the loan contract and IOU with the borrower, the handling bank will transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank; Tuition, accommodation and living expenses loans for the second and subsequent academic years should be transferred to the designated account of the school within 20 working days after the start of each academic year. The handling bank handles a debit card or current passbook for each student who borrows money, and submits the list of borrowing students and debit details to the school, so that the school can transfer the living expenses to the account on a monthly basis. 6. Repay the loan. Borrowing students should repay the loan principal and interest on a monthly basis after graduation, but they can choose to repay the loan principal from any month within 24 months after graduation or repay the loan principal in advance. 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 illegal acts; 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. Legal basis: Article 11 of the Measures for the Implementation of the National Student Loan of China Construction Bank, the borrower applies for the national student loan to the school, fills in the Application Form for the National Student Loan of China Construction Bank, and the school conducts preliminary examination and issues opinions. The loan bank does not directly accept the borrower's application. Article 12 When applying for a national student loan, a borrower shall provide or truthfully and completely fill in the following information: (1) the original and photocopy of the borrower's valid identity certificate; (2) The original and photocopy of the borrower's student ID card or admission notice; (3) The original and photocopy of the ID card, student card or work permit of two witnesses of the borrower's classmate or teacher; (four) "China Construction Bank National Student Loan Application Form"; (five) other information required by the Construction Bank. Article 13 After receiving the borrower's application form and related materials delivered by the school, the loan bank shall investigate and verify the authenticity and completeness of the borrower's application materials, and examine whether the school has signed the preliminary examination opinions and whether the total loan amount does not exceed the total loan control amount of the school. The investigation should be limited to 15 working days after the loan bank receives the borrower's application form and relevant materials delivered by the school, and give the borrower a reply, fill in the Approval Form for National Student Loan of China Construction Bank (see Annex 5), and notify the borrower's school of the list and amount of students who have approved the loan, and the school will inform the students. Article 14 If a loan is approved after examination, the Construction Bank shall inform the borrower of the loan amount, term, interest rate, repayment method, overdue interest and other related matters, and sign the National Student Loan Contract (hereinafter referred to as the loan contract) with the borrower. Fifteenth national student loans are implemented in the form of one application by the borrower, one examination and approval by the loan bank, single household accounting and installment payment. Among them, the tuition loan is issued according to the academic year (period) and directly credited to the account opened by the borrower's school in China Construction Bank; The loan for living expenses shall be paid monthly and deposited into the current savings passbook account or Longka account opened by the borrower in China Construction Bank. In principle, the living expenses will be paid every year 10 month, and no loans will be paid every winter and summer vacation (that is, February and August).