Application conditions of student-origin credit student loan

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The latest policy of credit loan interest rate for students' origin

The credit loan interest rate of the students' origin is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and does not rise. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is borne by the students and their parents (or other legal guardians). What is the maximum amount of student loan for college students? How to calculate the interest and how to pay it back after graduation)

Calculation method of annual interest rate (%) of student loans;

Project interest rate (%)

Loans within six months (including six months) 5. 10

Loans from half a year to one year (including one year)

One to three years (including three years) loan 5.50

Loans for three to five years (including five years) 5.50

Loans for more than five years

Students' interest in school is fully subsidized by the government.

The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year.

Students can inquire about the repayment amount in the student financial aid center of their county (city, district), or log in to the online service system of student loan of China Development Bank to inquire about the "principal repayment plan" and "loan and repayment".

Q: When can I repay the loan?

Answer: 1. Prepayment: The borrower can prepay once a month (except 1 1 month), and the repayment date (interest settlement date) is the 20th of the current month. Before prepayment, the borrower needs to go to the No.5 window of the government affairs hall or log in to the student online service system to submit an application. The borrower can submit the repayment application every day, specifically in June 5438+0-September and February 65438+February, with the repayment date (interest settlement date) being the 20th of the current month and the repayment date (interest settlement date) being the 20th of the month after June 15 (inclusive). 65438+1 October1to 15, and the repayment date (interest settlement date) is 65438+1October 20th. 65438+1October 16 to165438+1October 30th, and the repayment date (interest settlement date) is 65438+February 20th.

2. Annual interest settlement: the annual interest settlement time stipulated by the bank is 10/01day to February 12 day. Graduates who have not repaid in advance must pay interest at this time. Prompt: The borrower can pay off the loan in one lump sum, or choose to pay off the loan contract in one lump sum or make partial prepayment (the minimum repayment is 500 yuan).

What conditions do you need to apply for a student-origin credit student loan?

A: "Eight loans and six no loans".

(Anyone who meets one of the following conditions can apply for the exam)

1. Urban or rural low-income households. For families enjoying the urban and rural subsistence allowance policy, when applying for loans, students shall provide the original and photocopy of the passbook issued by the county-level civil affairs department and verified in the current year, and the minimum living allowance for urban and rural residents. The original shall be returned to the applicant after examination, and the copy shall be kept as the loan file.

2 orphans, children of martyrs, children of families with special care. When applying for a loan, students must provide the original and photocopy of relevant certificates such as orphans, martyrs and families with special care. The original shall be returned to the applicant after examination, and the copy shall be kept as the borrowing file.

3. Some children from disabled families. That is, both parents or one of them is a disabled family with level 3 or above, and they enjoy the family financial difficulties living allowance. When applying for a loan, students must provide the original and photocopy of the "Minimum Living Guarantee Certificate for Urban Residents" and the living allowance certificate for students with financial difficulties. The original shall be returned to the applicant after examination, and the copy shall be kept as the loan file.

4. Families whose family members pay large medical expenses due to major diseases, resulting in financial difficulties. When applying for a loan, such students must provide detailed information of family financial difficulties verified by the township civil affairs department, the diagnosis certificate of hospitals at or above the county level and the original settlement documents before applying for a loan.

5 families with financial difficulties who suffered heavy personal and property losses due to sudden changes. When students apply for loans, they must provide detailed information about them.

7. Single-parent families with no stable income. Parents divorced or one of them died, and there was no stable income, which led to family financial difficulties. When applying for a loan, students must provide detailed information on family financial difficulties verified by the township civil affairs department before applying for a loan.

8. Other families with financial difficulties. Other reasons lead to family financial difficulties. When students apply for loans, they need to be verified by the township civil affairs department, and the county (district) civil affairs department finds that the family is in financial difficulties before they can apply for loans.

Students under any of the following circumstances may not apply for student loans

1. Family businesses, cars, luxury houses;

2. Long-term purchase or lease of computers with high configuration and high price (except for special majors);

3. Buy luxury goods such as high-end home appliances, fashion, jewelry or high-end cosmetics;

4. Frequent access to commercial Internet cafes during school;

5. The usual consumption level is higher than the average living standard around;

6. One of the parents is a financial provider.

Related knowledge: What are the uses of student-origin student loans? Can it be used for other purposes?

Flow chart of application for student source credit student loan

Use flow chart

At present, the new student loan mechanism coexists with the original national student loan mechanism to help poor freshmen complete their studies smoothly. Freshmen who can't apply for student loans can apply for national student loans after entering the university.

What is the difference between the national student loan and the student source credit student loan?

First, the application method is different.

National student loan: after students enter school, according to the relevant provisions of the cooperation agreement signed between the bank and the school, the students apply to the school, and the handling bank and the school jointly handle it.

Student-origin credit loan: Students apply for student-origin credit loan business in the county (city) or district student financial aid management department where their families are located, that is to say, they should apply at the place where they are registered.

Two, the national student loan quota is limited, and the student credit student loan is fast and convenient.

National student loans have some restrictions, such as

It will be more difficult for students in private colleges and higher vocational colleges to apply for national student loans; However, the application conditions and procedures for student-origin credit student loans are relatively fast and convenient. According to the student source credit loan policy, undergraduates, postgraduates and second bachelors in full-time undergraduate colleges, higher vocational colleges and universities can apply as long as the funds they and their families can raise are difficult to pay the basic expenses of studying and living in school (relevant certificates are required), and the students' household registration before enrollment is in the county (city) or district with the same borrower's household registration.

Third, the loan period is different.

The longest loan period of the national student loan is 10 year; The longest loan period of student-origin credit student loans is 14 years.