First, choose a lending institution:

Institutions that can provide national student loans include China Development Bank, Industrial and Commercial Bank of China, Bank of China and China Construction Bank. It depends on which bank the school cooperates with.

Second, submit the loan information:

1, loan application form: get it from the school;

2. Identification form for students with family financial difficulties: find a school to collect it;

3. Student ID card, ID card, household registration book and admission notice;

4. Immediate family members agree in writing to apply for a loan certificate;

5. Other information required by the bank.

Three. Bank review and approval:

The school first collects all the loan information, then makes a preliminary review of its authenticity, gives audit opinions, and finally submits it to the loan bank, which will investigate, verify and approve the applicant's credit status.

Four. Signing a loan contract:

After the loan is approved, the bank will arrange to sign a loan contract with the applicant. The student loan is loaned once a year, and if it needs to be renewed in the second year, a renewal contract will be signed.

Verb (abbreviation for verb) loan issued by a bank:

Student loans are issued in order. Generally, the tuition and accommodation fees are first transferred to the designated account of the borrower's school, and then the rest are transferred to the borrower's collection account to supplement the living expenses.

Extended data:

The national student loan is specially provided for students from poor families. All the interests of students during their study shall be borne by the state. After graduation, there is a grace period to repay the principal. The repayment period is+15 years, with a maximum of 22 years. Repayment is very flexible and there is no pressure.