1, the national student loan is a bank loan led by the government, subsidized by the government, and jointly issued by banks and education departments, without specifying which bank will issue the loan.
2. Student-origin student loans refer to student loans issued by China Development Bank, and student-origin student loans are an important part of national student loans.
Difference 2: The application contrast is different.
1. Applicants for national student loans are domestic full-time undergraduates, junior college students (including higher vocational students), graduate students and students with second bachelor's degrees.
2. Applicants for student-origin student loans are students with financial difficulties in provinces and cities that have started student-origin student loans.
Difference 3: The loan term is different.
1, the longest loan period of national student loans shall not exceed 10 years.
2. The longest loan period of student-origin student loans shall not exceed 14 years.
Difference 4: The guarantee method is different.
1, the national student loan is a credit loan, and the borrower does not need a guarantee.
2. Student-based student loans Students and their parents form a student-based student loan. Like the lender, they need proof of guarantor or effective asset mortgage and credit user evaluation.
Difference 5: The application materials are different.
1. National student loan materials include poverty certificate, copies of ID cards of two college witness teachers, and copies of student ID cards (old students should also provide copies of student ID cards).
2. Student-origin student loan materials include poverty certificate, admission notice, school payment notice, payment card, and the applicant's ID card, household registration book and marriage certificate. It is also necessary to provide a guarantor or valid asset mortgage certificate, credit user evaluation, etc.
Extended data
Both of them belong to national student loans. Although there are five differences, the loan interest rate and loan amount are basically the same whether applying for a national student loan or a student-origin student loan. Therefore, as long as the conditions are met, it is ok to apply for one of the two loans, and both of them can enjoy the preferential policy of full financial discount.