Let me give you a brief introduction to the student-origin credit loan and the application conditions.
Student-origin credit loan is a bank loan that is led by the government, subsidized financially and compensated financially for certain risks. It is operated by banks and education administrative departments to help families who have just been admitted to colleges and universities need tuition and accommodation fees. Students or their legal guardians apply to family institutions for student-origin credit loan, without guarantee or mortgage, but they need to promise to repay on time and bear relevant laws.
1. application conditions: students in ordinary colleges and universities can apply under full-time conditions.
(1) Family financial difficulties;
(2) Have at least People's Republic of China (PRC) nationality and national identity card;
(3) With the written consent of the guardian with full capacity for civil conduct;
(4) Honest and trustworthy, law-abiding, no illegal behavior;
(5) study hard and be able to complete their studies normally;
(6) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district).
2. Procedures
Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students should apply for loans from the financial aid department of the county (city, district education bureau) where their families are located. The county-level student financial assistance management center is responsible for examining and approving applications submitted by students and issuing loans.
3. Loan amount
The loan amount applied by the borrower each academic year.
4. Loan interest
The implementation of the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. Fully subsidized by the government, with interest paid by students and parents after graduation (or
5. Repayment period and repayment method
According to the academic system of full-time junior college plus 10 years, the longest is no more than 14 years, and the repayment period of students after graduation is shortened accordingly. The two-year grace period is for students at school and after graduation. After the grace period is over, the students and their parents (or other legal guardians) will repay the loan in installments according to the loan contract.
Second, the process for students to apply for student loans?
1. The borrower logs into the student loan system of China Development Bank to register and fill in relevant contents.
2. The borrower logs into the student loan system of China Development Bank to apply, and it is not necessary to print the application form after the application is successful.
3.( 1) After the borrower completes the registration application, the borrower and * * * together with the borrower (guardian or relative) bring their respective ID cards, household registration books, the original and photocopy of the admission notice to the financial aid management center of the local education bureau.
(2) The county-level student financial aid center shall review relevant materials on site and enter other relevant information after confirmation;
(3) Print and sign the loan contract, hand in the loan acceptance certificate and receipt to the students and bring them back to the activity center's financial aid department for registration;
(4) After the receipt is stamped with the official seal, it should be given to the students and sent (delivered) to Daxian Student Financial Assistance Center before the date indicated in the receipt.
Generally, student loan funds arrive at the end of June each year 1 1.
Data expansion:
In order to do a good job in accepting and renewing the first loan of student-origin student loan in 2020, our school actively responded to the national policy and organized various colleges to hold the theme class meeting of student-origin student loan in accordance with the relevant requirements of the National Operating Rules for Student-origin Student Loan. Each class interprets the loan policy, loan application, contract signing, loan issuance, school information change and graduation confirmation, and loan repayment. In addition, the composition and key contents of student loans were emphasized at the class meeting, which greatly deepened students' understanding of student loans.
3. How to write the application for student-origin student loan? Pay attention to these things.
Soon 20 18 will enter the second half of the year. For universities all over the country, there will be a large number of freshmen. Among these freshmen, many students need to apply for student-origin loan. In order to help these students successfully obtain student-origin loan, the following is how to draw an application for student-origin loan.
Student loans are issued by filling out application forms online. You must pay attention to some details when filling out the application form for student-origin student loan, otherwise you may need to fill in and print it again. Fill in the details of the loan application form: 1, and the marked items are required. You should not only fill in all the items, but also ensure that the contents filled in are true, complete and accurate; 2. The loan period of student-origin student loan is within "academic year 10 year", not more than 14 year and not less than 6 years; 3. The loan amount applied for is less than 8,000 yuan, which is generally the sum of school expenses such as tuition and accommodation; 4. The reason for applying for a loan must be clearly filled in and explain your own economic situation; 5 qualification units for community neighborhood committees, local civil affairs departments, graduation schools, etc ... ; 6. When printing the student loan application form, everyone should print two copies; 7. The signatory must be the borrower himself and the borrower himself, and no one else may sign on his behalf. The above is how to sketch the content of the application for student loan from the origin, hoping to help the students who intend to apply for the loan.
4. What are the precautions for freshmen to apply for student loans?
Have you solved the problem? Why not apply for a credit card? This will be much more convenient.