Search: What are the restrictions or conditions for applying for a national student loan?

Second, the student loan guarantor requirements

Is to ensure repayment, repayment ability, is to look at the work and the current asset situation.

Third, the requirements of student loans

Legal Subjectivity: Student-origin Loan Policy and Handling Process I. Overview of Student-origin Loan In August 2007, the state issued the policy of "Student-origin Credit Student Loan" (hereinafter referred to as "Student-origin Loan"). Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties (hereinafter referred to as "students"), which is handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. At present, the pilot provinces (cities) that carry out student-origin loan business are: Hubei, Heilongjiang, Jiangsu, Shaanxi, Gansu, Chongqing, Qinghai, Xinjiang, Ningxia, Inner Mongolia, Shanxi, Beijing, Hebei, Shandong, Anhui, Zhejiang, Fujian, Shanghai, Hunan, Jiangxi, Yunnan and Guizhou. Second, the application conditions (1) Students applying for student-origin student loans must meet the following conditions at the same time: 1, with China nationality; 2, honest and trustworthy, law-abiding; 3. Freshmen who are officially admitted to full-time undergraduate colleges, higher vocational schools and junior colleges that have been approved to set up and implement higher education according to the relevant provisions of the state, and who have obtained a true, legal and effective admission notice, or college students, graduate students and students with a second bachelor's degree studying in institutions of higher learning; 4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); 5, family financial difficulties, all income is not enough to pay for the basic expenses needed to complete their studies during school. (2) * * * The borrower must meet the following conditions: 1, with no bad credit record; 2 household registration in the city and county (city, district). Three. Loan amount, term and interest rate (1) loan amount. Students' credit student loans are applied, approved and issued on an annual basis. In principle, each borrower applies for a loan of no more than 6,000 yuan per year, which is mainly used to solve the problem of tuition and accommodation for students during their school days. (2) loan term. In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. (3) loan interest rate. The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. (4) repay the principal and interest. Interest on student loans is charged annually. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). The two-year grace period for students at school and after graduation is the grace period. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal in installments as agreed in the loan contract. When repaying in advance, no other fees are charged except the principal and interest payable. Four. Application materials and handling procedures (1) Handling procedures for students at their domicile: 1. Borrowing students receive the "Application Form for Student-origin Credit Student Loan of China Development Bank" (hereinafter referred to as the "Application Form") at the county student aid center, fill in their personal information, and go to the village committee and sub-district office for review and affix their official seals. 2. Borrowing students and their * * * co-borrower apply to the county financial aid center with the application form, legal and valid original and copy of identity certificate (household registration book or ID card, etc.). ) Borrowing students and students from co-borrower, as well as the original and photocopy of the college admission notice (students provide student ID cards). 3, the county aid center audit, apply for student loans, and confirm the application form. The application form is made in duplicate, one for the county rescue center and one for the county rescue center, and submitted to China Development Bank. The county financial aid center shall file the copies of the identity certificates and school registration certificates of the borrowing students and borrowers. 4. The county student aid center organizes the borrowing students and their * * * to sign a student loan contract with the borrower (students and * * * are required to sign a student loan contract with the borrower himself), and provides the borrowing students with the receipt of the contract, which is used to prove that the borrowing students have obtained the national student loan qualification of the country where the China Development Bank is located when applying for colleges and universities. 5. The loan contract is in quadruplicate, all of which are originals. The borrower shall keep one original contract (with receipt attached), and * * and the borrower shall each keep one copy. One original contract is filed in the county rescue center, and one original contract is kept, and finally submitted to the China Development Bank. This contract shall come into effect after the approval of China Development Bank and the formal issuance of a loan review confirmation letter to the provincial funding center. (2) Procedures for college students: 1. After entering the school, the borrower shall declare to the admitted university with the student source credit loan contract (including receipt), submit it to the Student Financial Assistance Management Center of the Student Affairs Office, fill in the tuition fee, accommodation fee, university account information and contact information of the borrower, and issue a certificate that the student has no loan at school and affix the official seal. 2. The borrower will send the receipt of the national student loan (in duplicate) and the certificate of no loan issued by the school back to the county aid center where I am located. 3. The loan funds of the borrowing students are wired by the host bank of the student origin to the designated account of the university where the borrowing students are located. Borrowing students should pay close attention to the information of students who have received loans published on the school website in time. After the loan funds are transferred to the school account, they should go to the school finance department to handle various procedures such as collection. V. Precautions (1) Students who intend to apply for student-origin credit student loans may consult the local county-level education administrative department for all specific related matters. (2) The borrower shall carefully read the contract text and earnestly perform the obligations of the borrower. (three) the relevant national policies are adjusted, according to the new policy. (4) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower; (5) The borrower's personal information and the borrower's loan default information will be entered into the nationwide personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the individual's future life and work. (six) the borrower shall timely check the accounts with the student financial assistance management department of the municipal and county education bureaus and the handling bank after repayment to prevent problems.

Legal Objectivity: 20 13 Provisions on Student Loans I. Definition of Student-origin Credit Student Loans Student loans refer to student loans issued by bank financial institutions to eligible freshmen and students with financial difficulties in colleges and universities, and handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan. Second, the application conditions for student-origin credit student loans should be 1, and the lender has full capacity for civil conduct; Honest and trustworthy, law-abiding. 2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice. 3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district). 4. If the family is in financial difficulties and meets one of the following characteristics, provide corresponding proof materials: (1) rural poor households and urban low-income households (proof materials: urban and rural low-income and low-income bankbooks or poverty proof materials issued by township civil affairs offices and neighborhood committees). (2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee). (3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees). (4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level). (5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee). (6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees). (7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees). (8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee). 3. The loan amount, term and interest rate shall not be less than 1 1,000 yuan/person/year and not more than 6,000 yuan; The application amount cannot exceed the total tuition and accommodation fees. The longest loan term shall not exceed 14 years. The interest rate is based on the benchmark interest rate of RMB loans stipulated by the central bank. The interest during the school period is fully subsidized by the finance, and the interest after graduation is borne by the borrower. Four. Materials to be submitted for applying for student-origin credit student loan: 1, 20 10. When freshmen apply for loans, they should submit the following materials: (1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals). (2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies). (3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies). (4) The borrower's admission notice (show the original and hand in 2 copies). (5) Proof of family financial difficulties (1 original and copy). (6) Bank card discount handled by the borrowing student at the local postal savings office (show the original for reference and hand in 2 copies). 2. When college students apply for a loan for the first time, they should submit the following materials: (1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals). (2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies). (3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies). (4) Application Form for Identification of Students from Poor Families in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#(5) Proof of family financial difficulties (1 original and copy). (6) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies). (7) Borrowing students show their student ID cards and hand in 2 copies. 3. When college students apply for loans for the first time (those who applied for loans in 2008 and 2009, and those who applied for renewal of loan contracts in 20 10), they shall submit the following materials: (1) Application Form for Student-origin Credit Loan of China Development Bank (electronic version of U disk, 2 original paper copies). (2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies). (3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies). (4) The loan contract of the student-origin credit student loan of China Development Bank in the last year (show it for verification, don't hand it in). (5) Borrowing students show their student ID cards and submit 1 copy. V. Matters needing attention in signing the student-origin credit student loan contract After submitting the application for student-origin credit student loan and related materials, the county student financial assistance management center shall sign a loan contract and improve the relevant procedures within the specified time. Attention should be paid to the following matters when signing the contract: 1 and * * * should be the borrower's parents. If both parents go out to work, parents can entrust their close relatives to be with the borrower * * *, but they need to issue a power of attorney (see the annex for a sample format, submit the original and a copy of 1 respectively, and parents of students should mail the power of attorney as soon as possible). 2. The borrower who fills in the application form and the borrower who signs the contract must be the same person. 3. The borrower and the borrower shall sign the loan contract at the same time. For college students who renew their contracts, if the borrower and the borrower cannot be present at the same time for some reason, one of them may entrust the other party to handle it on their behalf, but a power of attorney shall be submitted (see the annex for a sample format, with 65,438 originals and 0 copies). 4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application. 5. Effective conditions of the loan contract. The signing of the loan contract can only take effect after the county rescue center receives the receipt of the loan contract of the student-origin credit student loan sent back by the university where the student is located. If the receipt is not received within one month after the contract is signed, the contract will automatically become invalid. The receipt must accurately fill in the name, line number and account number of the school bank. Go to the specific office and arrange someone to be in charge.