Student-origin credit student loans are for full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).
The loan amount is an integer between 1000 and 12000 (16000) for undergraduate and preparatory students and16000 for graduate students. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
The loan term is: years of schooling plus 15 years, with a maximum of 22 years. The grace period is 5 years.
The loan interest rate shall be based on the benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance, and shall be adjusted once a year from the loan issuance date of 65438+February 2 1. The adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date. Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is shared by the students and their parents (or other legal guardians).
The application materials are as follows:
1, loan certification materials;
2. Identification materials.
legal ground
Measures for the administration of risk compensation for student-origin credit student loans
Article 3 The risk compensation of student-origin credit student loans shall be based on the difference reward and deficit sharing. If the risk compensation exceeds the loss of student credit loan, the excess will be awarded to the county-level student financial assistance management center by the National Development Bank; Less than the loss of student credit loan, the insufficient part is shared by the National Development Bank and the county finance department. Eleventh balance incentive funds by the county student financial assistance management center for the management of student credit loans, special account accounting, earmarking, uses include:
(1) Direct expenses related to the management of student-origin credit loan, including daily business expenses such as publicity and education, business training, transportation and communication, and purchase of office equipment;
(two) to make up for the risks caused by the death, disappearance and loss of working ability of students who are really unable to return the credit student loans from their places of origin.