The specific conditions of the national student loan are as follows:
1, China nationality, resident identity card, with full capacity for civil conduct;
2. Higher vocational, junior college and above students who apply for minors need the written consent of the legal guardian;
3, study hard, have no bad performance at school, and be able to complete their studies normally;
4. The family has financial difficulties, and the family income is not enough to support the completion of their studies during school, and valid certificates are provided;
5. The loan students did not get loans from other students;
6, honest and trustworthy, law-abiding, no illegal behavior.
How to calculate the interest of national student loan?
Calculation method of annual interest rate of student loan;
The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise. The current annual loan interest rate is: one to three years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%.
If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest = the annual interest rate corresponding to the loan amount /365 loan days. Simply put, you don't have to pay interest when you are still studying until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch.
Assuming that the loan amount applied by the loan student is 8,000 yuan, and the annual interest rate is 4.75%, then the interest for one year is 380 yuan.
According to relevant regulations, the interest on college students' loans is determined according to the benchmark interest rate issued by the central bank. Generally speaking, the interest rate of student loans will fluctuate on the basis of the benchmark interest rate, with a maximum increase of 24%.
202 1 The student loan applied by college students, whether it is a student-origin student loan or a college student loan, only needs to be applied continuously, and the application period is generally more than 6 years. The benchmark interest rate for five-year loans of the State Bank is 4.75%. The interest rates of China Development Bank in different regions are basically the same, and there will be no ups and downs, nor will interest rates rise. The repayment method of college students' student loan is calculated on an annual basis, and the repayment time is-12-20 every year. In the first two years after graduation, college students can choose to pay only the loan interest. From the third year of graduation, college students need to repay the loan principal and interest at the same time. According to the national regulations, during the period of students' study, all the interest of subsidies is paid by financial subsidies. From September of the graduation year 1, bear the loan interest by yourself. If they don't want to pay interest, they can choose to pay it back in full.
What is the national student loan?
China Bank's "national student loan" refers to the credit loan that students from poor families in colleges and universities apply to financial institutions through their colleges and universities to pay tuition and accommodation fees during their studies. 1. Loan target: The borrowers of the national student loan are full-time undergraduates (including students from higher vocational colleges), postgraduates and students with second bachelor's degrees with financial difficulties. Second, the borrower's conditions: students applying for national student loans should meet the following conditions: (1) have China nationality and hold Chinese identity cards; (2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); (3) Honest and trustworthy, law-abiding, no illegal behavior; (4) Being able to complete their studies normally; (5) Due to the family's financial difficulties, the funds that can be raised are not enough to pay for their tuition and accommodation during their study at school. 3. Loan application: Both the university and the handling bank are responsible for consulting the national student loan business. During the validity of the agreement, students can apply for national student loans. In principle, the national student loan business takes the form of one-time application and loan contract signed by students at school and loan issued by the handling bank in different academic years; Students who apply for loans apply to our colleges and universities within the specified time, receive the "Application for National Student Loan" and other related materials, fill them out truthfully and completely, and provide relevant certification materials. Colleges and universities can handle national student loans for students who apply for loans in batches. 4. Submission materials: Students applying for national student loans need to submit the following materials: (1) Application for national student loans; (2) Copy of my student ID card and resident ID card/household registration book (minors must provide valid identity certificate of legal guardian and a written statement agreeing to apply for a loan); (3) Questionnaire survey of college students and families verified by the township or street civil affairs departments. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
What is a student loan?
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities.
Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.
Student loan repayment way
1. Students should pay off in one lump sum or in installments before graduation;
2. After graduation, students can look at their liquidity to repay their loans;
3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly;
In the place where graduates work, according to their performance, they decide to reduce the loan repayment;
5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.
China government network-what is the national student loan?
What is the maximum amount of national student loan that China Bank can apply for?
China Bank's national student loan quota:
Before September 3, 20021year, the policy is that the loan amount applied by full-time undergraduates (including students with second degree and higher vocational education) should not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
202 1 Policies after September 3rd Recently, the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Further Improving the National Student Loan Policy (Cai Jiao [202 1] 164), which increased the national student aid from the fall semester of 20021. Full-time college students (including second bachelor's degree, higher vocational and preparatory students) apply for loans of no more than 8,000 yuan to no more than12,000 yuan per year; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. China Bank's national student loan should be used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.
Students who apply for national student loans in Bank of China can apply according to the maximum amount of the New Deal (that is, the maximum loan amount per junior college student is10.2 million yuan, and the maximum loan amount per graduate student is10.6 million yuan).
Students who have applied for (issued) national student loans in BOC can apply for an increase (for example, undergraduate students can apply for a loan of 5,000 yuan to pay tuition and accommodation fees, and they can apply for a living allowance of 7,000 yuan from BOC).
The above contents are for your reference. Please refer to the actual business regulations.