(A) the national student loan
50% of the national student loan interest is subsidized by the government, and the remaining 50% is borne by the borrower. To apply for a student loan, you must meet the following conditions: admission notice or student ID card, and provide valid identity documents; Classmate or teacher * * * Two ID cards of students who borrowed from school. The maximum loan amount shall not exceed the tuition and living expenses of the students attending the school again. The term of student loans is generally not more than 8 years. Flexible repayment of principal and interest shall be adopted, and the specific method shall be agreed by the lender and the borrower and specified in the contract. Since the issuance of national student loans, the number of colleges and universities that have signed agreements with financial institutions in our city has increased from Tianjin University and Nankai University to Civil Aviation College, Finance and Economics College and Tianjin Vocational and Technical Teachers College. Satisfied the desire of more college students to go to school with loans.
Ordinary student loan
Agricultural Bank of China: Golden Key Student Loan 200 1 is issued to newly enrolled college students, undergraduates and graduate students, and is guaranteed by parents, relatives or other individuals or units with guarantee ability. Loans can only be used for students' tuition and fees, living expenses, travel expenses and other learning-related expenses. The amount of a single loan is 3,000-5,000 yuan, and the loan interest rate is subject to the benchmark interest rate of the People's Bank of China for the same period. The longest loan period is no more than four years. The borrower applies for a loan from the Agricultural Bank of China where the registered permanent residence is located with the admission notice issued by the school where the student attends.
Bank of China: Student loan is a kind of tuition and miscellaneous fees consumption loan for studying in domestic middle schools and colleges, studying for master's and doctoral degrees, or being approved to study in foreign middle schools, universities and master's and doctoral degrees. In principle, the maximum loan amount does not exceed 80% of the total tuition and fees, and the maximum loan amount is RMB 300,000.
China Industrial and Commercial Bank: Commercial student loans are granted to students' relatives or students themselves (graduate students only) who have obtained the university status or admission notice designated by China Industrial and Commercial Bank. The loan is used to pay tuition and living expenses. Effective guarantee must be provided when applying for student loans. There are three ways of guarantee: mortgage, pledge and guarantee. The starting point of the student loan is 2000 yuan. If the loan is secured by pledge, the maximum amount shall not exceed 80% of the tuition and accommodation fees. If the guarantee is provided by mortgage, the maximum loan shall not exceed 75% of tuition and accommodation fees; If the guarantee is provided by way of guarantee, the maximum loan shall not exceed 70% of tuition and accommodation fees.
Specific application can contact you, consult him in detail, and he will tell you!