* * * Same terms as the borrower:
The relationship with borrowing students needs to meet the following conditions:
1, in principle, parents of borrowing students;
2. If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers;
3. If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower.
* * * The household registration conditions of the same borrower need to meet the following conditions:
Students' pre-school household registration, with the borrower's household registration in the county (city, district).
* * * The age of the borrower needs to meet the following conditions:
If * * * is not the borrower's parents, the borrower should be over 25 years old and under 60 years old in principle;
* * * Other conditions of the borrower:
Borrowing students who have not settled the student-origin student loan (or college student loan) of China Development Bank cannot be used as * * * borrowers of other borrowing students. Extended data:
Commercial credit loan
(a), apply for student credit student loans should have the conditions
1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.
2 according to the relevant provisions of the state, approved the establishment of full-time undergraduate colleges, higher vocational schools and colleges (including private colleges and independent colleges) to implement higher education.
The list of schools is subject to the announcement of the Ministry of Education). Freshmen or students who have been formally admitted and obtained a true, legal and effective admission notice.
3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).
4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:
(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).
(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).
(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).
(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).
(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).
(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).
8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).
(2) loan amount, term and interest rate
Not less than 1000 yuan and not more than 8,000 yuan per person per year; The application amount cannot exceed the total tuition and accommodation fees.
The longest loan term shall not exceed 14 years. The interest rate is based on the benchmark interest rate of RMB loans stipulated by the central bank. The interest during the school period is fully subsidized by the finance, and the interest after graduation is borne by the borrower.
(3) Materials to be submitted for applying for student-origin credit student loans.
1. Freshmen apply for loans and submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3) The borrower's admission notice (show the original and hand in 2 copies).
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card discount handled by the borrowing students at the local postal savings office (show the original for future reference and hand in 2 copies).
2, college students apply for a loan for the first time, submit the following materials:
(1) Borrower's household registration book and valid ID card (show the original and submit 2 copies).
(2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies).
(6) Borrowing students show their student ID cards and hand in 2 copies.
3. When college students apply for loans for the first time (in 2008 and 2009, and in 20 10, they apply for renewal of loans), they shall submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic version of U disk, 2 original paper copies).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(4) Borrowing students show their student ID cards and submit 1 copy.
(four) matters needing attention in signing the student credit loan contract.
After submitting the application for student-origin credit student loan and related materials, the county student financial assistance management center audited and confirmed that it meets the loan conditions.
A loan contract should be signed and the relevant procedures should be improved within the specified time. When signing a contract, you should pay attention to the following matters:
1, * * * The borrower should be the borrower's parents. If both parents go out to work, the parents can entrust their close relatives as * * * borrowers, but they need to issue a power of attorney (see the annex for a sample format, and submit 1 original and photocopy respectively, and parents of students should mail the power of attorney as soon as possible).
2. The borrower who fills in the application form and the borrower who signs the contract must be the same person.
3. The borrower and the borrower shall sign the loan contract at the same time.
For college students who renew their contracts, if the borrower and the borrower cannot be present at the same time for some reason, one of them may entrust the other party to handle it on their behalf, but a power of attorney shall be submitted (see the annex for a sample format, with 65,438 originals and 0 copies).
4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application.
5. Effective conditions of the loan contract.
After the county rescue center receives the receipt of the loan contract of the student-origin credit student loan sent back by the university where the student is located, the signed loan contract takes effect.
If the receipt is not received within one month after the contract is signed, the contract will automatically become invalid. The receipt must accurately fill in the name, line number and account number of the school bank. Go to the specific office and arrange full-time and part-time personnel to be responsible.
(V) Borrower and repayment obligation
Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties (hereinafter referred to as "students"), which is handled in the county (city, district) where the students are registered before entering school.
The source credit student loan is a credit loan. The student and his parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.