Reasons for the failure of student source loan:
1. The information filled in is incorrect. When filling out the loan application, you must pay attention to checking the accuracy and timeliness of the information.
2.*** If the borrower does not meet the requirements, his immediate family members must be between 25 and 60 years old if they are not parents.
3. If you don't have enough education, you can't apply. For college students, education is limited to junior college or above, and high school education cannot be applied for.
4. If there is no proof of family poverty, there must be a proof of poverty, which can only take effect after being sealed by the local village committee or neighborhood committee.
Student-origin student loans are only applicable to students who really need funds to go to college, and not everyone can apply. If the approval is not passed, you can resubmit the application as long as it does not meet the requirements, but you must hurry.
The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, 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.
According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower.
1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.
2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year.
3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.