Student-origin credit student loans: Student-origin credit student loans refer to student loans issued by banks and financial institutions to eligible freshmen in colleges and universities and students with financial difficulties in their families, which are handled in the counties (cities, districts) where students are registered before entering school, and are mainly used to solve the tuition and accommodation problems of students during their school days.
Loan terms:
(1) Students applying for student-origin credit loan must meet the following conditions at the same time: 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. Freshmen, postgraduates and students with a second bachelor's degree who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice; 4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district); The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school. ?
(2) Students' families applying for student-origin credit loan should meet the following conditions: 1. No bad credit record; 2. Family financial difficulties should generally meet one of the following basic characteristics: ① poor households in rural and pastoral areas, low-income households, and poor households with established files; ② Families of orphans and disabled people; (3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses; ④ Family members suffer from major diseases; ⑤ The creator of the main family income loses the ability to work for some reason; ⑥ Single parent families with no stable income; ⑦ Poor families in old, young, marginal, poor and remote rural and pastoral areas; (8) Families where one or both parents are unemployed; Pet-name ruby other poor families. Loan purposes: Student-origin credit student loans are used to borrow students' tuition and accommodation fees in principle. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses. The national student loan is applied, approved and issued once a year.