Do I have to apply for a student loan? First of all, the first step in handling student loans is to submit loan applications online. We can go to the relevant student loan website to find the relevant process introduction. In this item, we need to submit my information and guarantor information online. After submission, we can print out our student loan application form and go to the local student loan department to handle this business.
It should be noted that I need to go with the guarantor for the first time, and both of them need to sign the loan slip at the same time when handling it; If you want to continue to apply for a student loan in the future, you don't have to go in person, you have to take the certificates and application forms of relevant personnel to handle it. However, different places have different regulations. We can search our own local regulations through the Internet and make them clear before handling them.
Matters needing attention in handling student loans 1. Two kinds of loans cannot be applied at the same time.
According to the policy, students who have applied for national student loans can no longer apply for student-origin student loans, which means they can only apply for one of the two kinds of loans.
2. There is a difference between the national student loan and the student-origin student loan.
Although both the national student loan and the student-origin student loan are used to solve the tuition and accommodation problems of poor students, the loan interest rate is implemented according to the benchmark interest rate of loans of the same grade announced by the central bank for the same period and does not rise. Students do not need to pay interest during their normal schooling, but are subsidized by the government. However, there are still some differences between them:
(1) The application location is different.
The national student loan requires students to apply in their universities after the start of school; Student-origin student loans require borrowing students to go to the student financial assistance management center where their household registration is located.
(2) The application time is different
National student loans are generally handled after the start of school in September; Student-origin student loan means that the borrower can log in to the student online service system to apply after receiving the admission notice, but the specific starting and ending time varies from place to place in the student financial assistance management center, and the borrower needs to consult the local student financial assistance management center.
(3) the loan term is different
The term of the national student loan shall not exceed 6 years after graduation in principle; In principle, student-origin student loans are determined according to the academic system plus 10 years, and the longest loan can reach 14 years.
3. After obtaining the loan, you must repay it in full and on time to avoid the following bad credit records, which will affect the application for mortgage, car loan and credit card in the future;
4. The national student loan interest rate is implemented according to the benchmark loan interest rate issued by the central bank in the same period, and does not rise;
5. Borrowing students do not need to pay interest during their normal school days, but need to pay interest themselves after graduation;
6. If the borrower wants to repay the loan in advance, he can only choose to pay off the loan in advance in one lump sum. Partial repayment in advance is not supported at present.