Conditions of students' origin loan
The recipients of student loans must meet the following conditions: 1. Students (including repeat students) and their parents are registered in our city. 2. Give priority to orphans, children of martyrs, students without income, seriously ill families, low-income households, double-laid-off, trapped by disasters, pure farmers and low-income families admitted to nationally recognized universities.
Note: All eligible students apply in advance in their senior high schools, and the loan procedures are handled in the student financial assistance center where their household registration is located.
Borrower of student loan
The borrower of the student-origin student loan must be the student himself, and * * * and the borrower are parents, and * * * and the borrower are jointly and severally liable for repayment. Orphans or students whose parents have no civil rights can choose a resident who is under the age of 25-60 and has full capacity for civil conduct as the borrower (the borrower must have proof materials from the village committee and neighborhood committee).
Materials to be submitted for students to pre-apply for student-origin loan:
1. Original and photocopy of ID card and household register of students and their parents (legal guardians or borrowers) 1 copy each; School leaders will check, except for the original relevant certificates, other originals will be returned to the students themselves after inspection).
2. The Application Form for Student Credit Loan of China Development Bank, which is filled out by students themselves, is kept by the school.
The above materials are unified with A4 paper, and all materials are filed in each school.
Freshmen admitted to colleges and universities must have the following materials when they formally apply for loans in the financial aid management center where their household registration is located:
1. Original and photocopy of the letter of admission to institutions of higher learning (1 copy)
2. Application Form for Student Loan of China Development Bank with the official seal of the school (2 copies)
3. The original and photocopy of the borrower and the borrower's ID card must be copied on a piece of A4 paper (2 copies).
4. The original and photocopy of the borrower and the borrower's household registration book must be copied on a piece of A4 paper (1 copy).
If the head of the household is not the student's parents, a certificate of relationship must be issued.
A4 paper should be used for all copying materials.
Time, place and brief process of handling student loan from student source.
On August 1, the formal loan procedure began. Please ask the borrower and * * * together with the borrower to bring relevant materials to the Student Financial Assistance Management Center where the household registration is located to sign a loan contract. The deadline for handling loans is September 20, and overdue loans are deemed to be automatically waived.
Brief process: 1, review loan information; 2. Fill in the flow chart of student management and loan management by computer; 3. Sign a loan contract (in triplicate) (loan students need to know the repayment progress in detail); 4. Obtain a loan acceptance certificate; 5. After students report to colleges and universities, they must submit the admission certificate to the financial office of colleges and universities or the student financial assistance management center in time. If the university fails to receive the admission notice in time, the loan confirmation procedure will be delayed in the system, and the consequences will be borne by the students themselves.
The amount, interest and duration of student loans.
The student source loan is only used for the tuition and accommodation expenses of students during their school days, and the maximum amount per student is not more than 8,000 yuan per year. After the students get the loan, the China Development Bank will remit the money to the charging account designated by the university where the students are located on the specified date. Interest on student loans shall be subject to the benchmark interest rate for the same period and the same file specified by the People's Bank of China. The interest of students during their stay in school is paid in full by the finance. After graduation, the interest from the loan interest rate to the commercial loan interest rate (from September of the year of graduation 1) shall be paid in full by the borrower. The term of the student loan shall be calculated from the time of the loan to graduation plus 13 years, and the longest period shall not exceed 20 years.
Loan issuance and payment
According to the contract, China Development Bank will issue loans on the date agreed in the contract, and wire the loan funds to the designated account of the borrowing student's university.
What information do you need for student loans in Jiangsu Province?
What information do you need for student loans in Jiangsu Province?
What information do you need for student loans in Jiangsu Province? Students studying in ordinary high schools and secondary vocational schools can apply in advance if their family financial ability is difficult to meet the basic expenses of study and life during college. What information do you need for student loans in Jiangsu Province?
What materials are needed for student loans in Jiangsu Province 1
Materials required for applying for student credit loan in Jiangsu Province.
(1) First loan
Materials required:
1. Borrower and the original ID card of the borrower;
2. The original letter of admission (or student ID card); Or Xue Xin's online verification report. com
3. Original residence booklet;
4. Original loan application form. (Original ID card, if any)
(1) Borrowing students log on to the "Student Online System" to apply for loans, and then export and print the "Application Form for Student Loans from China Development Bank".
(2) The first-time loan students who have passed the pre-application do not need to be qualified for family financial difficulties. The first-time loan students who have not applied for pre-application log in to the "Student Online System" to fill in and export the "Application Form for Identification of Students with Family Financial Difficulties" as the basis for identifying family financial difficulties and applying for loans.
(2) Renew the loan (you can choose to renew the loan on site or remotely).
1. On-site loan extension process
Materials required:
(1) Original ID card of the handler;
(2) The original application form signed by the borrowing student or * * * and the borrower.
2. Remote loan extension process (no need to sign a contract on site)
Students log on to the "Student Online System" to submit loan extension applications. If the county center opens the remote acceptance authority, students can choose to sign online. After the online contract is remotely audited by the county center, students log in to the "Student Online System" to download or print the admission certificate, and submit it to the university for signing, thus completing the loan renewal process.
What materials are needed for student loans in Jiangsu Province II.
2022 Jiangsu Student Source Credit Student Loan Interest Rate
The quoted interest rate of the loan market for more than five years issued by the National Interbank Funding Center authorized by the People's Bank of China is LPR5Y-30 basis points (that is, LPR5Y-0.3%). Adjust from 65438+February to 2 1 every year according to the latest LPR5Y.
When does the student loan begin to calculate interest?
Student-origin student loans begin to calculate interest in September of the year when college students graduate. Before graduation, the interest on student loans from students' places of origin is subsidized by the government, and borrowing students do not need to pay interest. After graduation, students began to repay their loans every year. The loan interest after September 1 of the year in which the student graduated shall be borne by the borrower, and the government will no longer discount the interest.
Different from the monthly repayment of medium and long-term loans, student-origin student loans are repaid once a year, and the annual repayment time is before 65438+February 20, and the interest settlement date of the last year is September 20. Student loan interest is the annual interest calculated according to the actual days. The loan interest of student-origin student loans is calculated according to the benchmark interest rate of the central bank, and the interest rate does not rise.
The calculation method of loan interest of national student loan is the same as the starting date, and the calculation method and time are the same as that of student-origin student loan.
The repayment methods of principal and interest of student-origin credit student loans in Jiangsu Province are as follows:
1. The interest during school is fully subsidized by the state finance. If you need to repay the loan in advance during the school year, please log on to the student online system before August 15 of the graduation year and apply.
From the year you graduate (or graduate), you will begin to bear the interest on the student loan. The repayment date is 65438+ February 20th every year (September 20th of the last year), which will not be postponed in case of holidays.
3. From the sixth year of your graduation (or graduation year is the first year), you begin to repay the principal and interest, and the repayment date of the principal and interest is the same. If the remaining loan term after graduation is less than 5 years, repayment shall be made according to the repayment plan agreed in the loan contract.
4. Students who continue to pursue their degrees during the repayment period after graduation should apply to the county-level funding center in time and provide relevant written proof. After passing the exam, you can continue to enjoy the financial benefits during your school days.
What materials are needed for student loans in Jiangsu Province 3
2022 Jiangsu Student Source Credit Student Loan Amount
(1) Full-time college students (including second bachelor's degree, higher vocational college and preparatory college students): the amount of loans applied for by each person each year shall not exceed 12000 yuan, and shall not be less than 1000 yuan;
(2) Full-time graduate students: the amount of loans each person applies for each year shall not exceed 16000 yuan, and shall not be less than 1000 yuan.
The student loan applied by students is used to pay the tuition and accommodation fees during the school period, and the excess can be used to make up for the daily living expenses.
Application conditions:
1, full-time undergraduate and graduate students in our school (excluding fresh graduates);
2. Students from Jiangsu Province;
3. Students from poor families.
Before receiving the application form, students themselves must open a current savings account (one card is equivalent to one) at the local Postal Savings Bank, which is free of charge. They can use 5 yuan money to get their cards and bankbooks and deposit them in their accounts. This money is used to pay the handling fee when the student loan is remitted to the school account and cannot be withdrawn. If the loan cannot be remitted in time due to insufficient handling fee, it is deemed that the student has cancelled the loan application, and a receipt can be obtained from the local postal savings bank after the loan is remitted.
The applicant from the county (city, district) Education Bureau student financial assistance management department to receive the "China Development Bank student credit student loan application form", after the completion, together with the applicant and a legal guardian (usually father and mother) ID cards (guardians can also be military ID cards or armed police ID cards as valid documents), household registration book, admission notice (freshmen),
Description of student status (freshman), original and photocopy of student ID card (student), borrower's passbook and other documents (the original is returned to me after verification) are submitted to the student financial assistance management department of the County Education Bureau.
After the loan contract is signed, students can report to colleges and universities with the contract, and send the contract receipt stamped by colleges and universities to the Student Financial Assistance Management Section of the Education Bureau by mail or other effective means within 20 days after the report. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration, it is deemed that the student has cancelled the loan application. After the receipt is received by the Student Financial Assistance Management Section of the Education Bureau and the loan application is successful, China Postal Savings Bank will remit the money to the designated charging account of the university where the student is located on the specified date.
Will there be interest on paying off the student loan at one time after graduation? I heard from many people that there is, and it will not be available for three years! ! ! I come from Jiangsu province.
There will be no interest, and I just graduated this year and just applied for repayment of the loan yesterday. Please have a good look at your loan contract. One year after graduation, from September 1, the interest will be paid by myself, and the state will no longer give discount.
You don't have to repay the principal within two years after graduation, but if you want to transfer the interest to the designated repayment account before 65438 on February 20 every year, I will repay it with Alipay account. Don't listen to what others say. The key is that you should repay the loan according to the contract. The contract clearly states the ways of prepayment, current repayment and overdue repayment. If you don't understand, you can call the teacher in charge of student loans in your school or your local financial aid center. (1) The loan principal is generally repaid in installments. The borrower will repay the loan principal annually, quarterly or monthly according to the repayment plan agreed in the capital contribution contract from the first year after graduation.
(2) Loan interest According to the relevant policies and regulations, the loan interest of borrowing students during their school days is fully subsidized by the financial department and paid by themselves after graduation. Borrowing students begin to pay interest after graduation.
(3) The borrower may apply for partial or one-time prepayment at any time.
II. Provisions on Penalty for Breach of National Student Loan in the Place of Origin
(1) Based on the principle that the loan must be repaid, the borrowing students must repay the interest according to the requirements of the bank within the corresponding time and repay the loan principal in full according to the repayment plan; Otherwise, it will be handled according to the bank's default, and the school will cooperate with the bank to deal with it accordingly.
(2) The family economic status, study ideological status and all relevant documents provided by the borrowing students to the national student loan management office or the school loan bank shall be true and reliable, and shall not resort to deceit; Otherwise, once verified, the loan qualification will be cancelled, and the loan amount will be paid off with principal and interest within a time limit, and a warning will be given according to the seriousness of the case.
(3) If a student changes his/her school status (including expulsion, dropping out of school and going abroad), it shall be handled according to our regulations.
(4) If the borrower fails to use the loan as agreed in the contract during school, such as buying a mobile phone or doing business, once it is discovered, in addition to returning the principal and interest of the loan and canceling the loan qualification, it will be given a warning and the above punishment according to the seriousness of the case, and those who violate the criminal law will be handed over to the judicial department for handling.
(five) the borrowing students shall not use any excuse to refuse or obstruct the loan bank and the student loan management office to supervise and inspect the loan use, students' study, life, school performance and economic income; If there is any violation, those who do not change after education will be given a warning.
(6) Borrowing students will be punished by law if they violate the law during their school days; Violation of school rules and regulations by the administrative, party and league warning above punishment; Incorrect learning attitude, leading to make-up exam (failure) or repetition; Those who have debauchery, extravagance, gambling and other bad behaviors will terminate or cancel the loan qualification, and the loan principal and interest must be returned in full.
(7) All borrowing students should submit a summary of their study and life in the previous academic year and the changes of their family's economic situation to their college within one month after the start of the new academic year. After the preliminary examination by the college, they should submit the opinions of the college to the national student loan management office of the school. Those who fail to submit it within the time limit shall be regarded as unable to fulfill their credit and given to informed criticism; Those who do not change after education will terminate or cancel the loan qualification.
(eight) other acts of breach of contract not mentioned, which really need to be dealt with, shall be handled with reference to the most similar provisions of these regulations.
Three, other school rules or regulations are inconsistent with these regulations, these regulations shall prevail.
Four, the student affairs office is responsible for the interpretation and revision of these measures, and the specific implementation of the national student loan management office.
Five, this approach since 20001October 22nd 165438+ implementation.