Co-borrower of the loan is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and has no legal guardian, it can be a natural person who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years old, has no bad credit record and has a local household registration, including close relatives.
First, the student loan conditions
1, with People's Republic of China (PRC) nationality.
2, honest and trustworthy, law-abiding.
3. Freshmen or college students who have been formally admitted to full-time ordinary colleges and universities, higher vocational schools and institutions of higher learning 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 this city, county (city, district).
The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.
6. co-borrower
Co-borrower is mainly the parents (or legal guardians) of the borrowing students. If the borrower is an orphan and cannot appoint a guardian, it can be a natural person who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years old, has no bad credit record, and has a local household registration, including close relatives.
Second, the amount and duration of student loans.
1, loan amount
The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1 1,000 and 8,000. In principle, it is used for students' tuition and accommodation during school. Students studying in colleges and universities who obtained national student loans in colleges and universities in the same year may not apply for student-origin credit student loans at the same time.
2. Term of loan
In principle, the loan term is determined by the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the longest loan term shall not exceed 65,438+04 years. Students will begin to repay the loan principal in installments according to the loan contract two years after graduation from the normal education system.
There is a grace period for students during school and two years after graduation. After the grace period, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Borrowing students who have studied for more than 4 years and continue to pursue higher degrees (including graduate students and second bachelor's degrees) will correspondingly shorten the time limit for students to pay principal and interest after graduation.
Three, apply for student loans materials
1, loan certification materials
(1) The qualification of freshmen who have entered the school, students from provinces and cities who have opened student-origin student loans in universities in provinces and cities, and students from poor families has been completed in advance by the local education authorities. Students who pass the pre-application examination must be certified by the graduated middle school or university to open student credit loans in provinces and cities.
(2) Students who apply for student-origin student loans in universities in other provinces and cities must issue loan certificates from their universities.
2. Identification materials
(1) The original and photocopy of the borrower's co-borrower ID card and household registration book (the guardian can also use the military card or the armed police card as valid documents).
(2) Admission notice or student ID card, with the original and photocopy of the admission notice for freshmen and the original and photocopy of the student ID card for students.
China's social security policy is very protective of people's interests. Borrowers whose students are from China can apply for commercial student loans directly from their students' lenders, that is, they can also apply for commercial student loans at their places of study, that is, they can apply for loans at their places of study. However, the lender shall not accept the borrower's repeated application for loans in his place of origin and place of study.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11
Personal loan application shall meet the following conditions:
(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
Article 13
After accepting the borrower's loan application, the lender shall perform due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.
Measures of China People's Bank for the Administration of Student Loans
Second student loans can take unsecured (credit) student loans and secured student loans.
Article 3 Lenders shall issue unsecured (credit) student loans to students in institutions of higher learning (including junior college students, undergraduates and graduate students) (hereinafter referred to as borrowers), and unsecured (credit) student loans and guaranteed student loans to their immediate family members and legal guardians (hereinafter referred to as borrowers).
Article 4 Students in institutions of higher learning who apply for student loans must meet the following basic conditions: admission notice or student ID card and valid resident ID card; At the same time, there must be two classmates or teachers to prove their identity.
Measures for the administration of commercial student loans
Article 16 A borrower may directly apply to the lender for a commercial student loan from the place of origin, that is, apply for a student loan, or apply for a commercial student loan at the place where the school is located. However, the lender shall not accept the borrower's repeated application for loans in his place of origin and place of study.
Article 17 When accepting the borrower's application for commercial student loan, the lender shall require the other party to submit a written loan application, fill in relevant application forms and submit documents, certificates and materials.