There are generally two kinds of student loans that we often apply for: national student loans and student-origin student loans. Among them, the application process of national student loan is: student application → school preliminary examination → bank approval → signing a contract between the two parties → bank granting loans → repayment of loans after graduation. Student-origin student loans can be found in /zhxdk/zhxdk/22 125.html (some provinces start to apply online /zhxdk/).

Second, how to apply for a student loan? What are the requirements?

Under the economic conditions of the CPC Central Committee and China, the national student loan is an important measure to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for students from poor families in ordinary colleges and universities. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to make a commitment to repay on time, and. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and subsidize the poor students in the school by stages after graduation; The characteristics are: financial discount; (1) The borrower only needs to bear 50% interest, and the remaining 50% interest is guaranteed by financial payment. (3) The loan term is long, up to 9 years. (4) It is very convenient for borrowers to apply for loans from their universities. The People's Bank of China, the Ministry of Education and the Ministry of Finance issued the Regulations on the Administration of National Student Loans (for Trial Implementation). ICBC is the first and only national student loan handling bank in the State Council. There are no restrictions on conditional accounts. Which universities have carried out the work of national student loans? Public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant instructions in the school enrollment brochure or admission notice. Undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree who apply for national student loans in full-time colleges and universities; 2. Holding a China citizen identity card; 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. How many national student loans can students apply for each academic year? The maximum loan amount per student per academic year does not exceed 6000 yuan. How to apply for a national student loan Generally speaking, students from poor families need to apply for a national student loan from a local bank through their school. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do students who apply for national student loans usually need to provide? 1. Apply for a national student loan; 2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans); 3. I explain the family's financial difficulties; 4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. Who will review and approve students' applications for national student loans? The relevant departments of the school are responsible for the qualification examination of students applying for national student loans and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. How to sign a national student loan contract with the handling bank? After the student loan application has passed the examination and approval of the school and the bank, the school will organize students to fill in and sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.

Third, how to apply for a student loan?

1. Application conditions for student loan: 1, with full capacity for civil conduct; 2, honest and trustworthy, law-abiding, no illegal collection behavior; 3. Good academic performance and normal completion of studies; 4. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; 5 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank. 6. Other conditions stipulated by the lending bank. 2. The materials to be submitted for applying for the national student loan: 1, and the necessary information about the financial situation of myself and my family (generally including my written application, family financial situation questionnaire, proof of difficulties above the street level, letter of guarantee from the guarantor and my current performance, etc.). ); 2, commitment to repay the loan liability clause; 3. Provide loans to repay the guarantor. Iii. Application process of student loan: 1. Students apply for the national student loan application approval form and other materials, fill in truthfully and completely, and prepare relevant supporting materials and return them to the school's national student loan agency. 2. The school institution conducts the loan preliminary examination. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. 3 handling bank for loan approval. The handling bank shall complete the audit within 20 working days after receiving the Information Form and application materials submitted by the school. 4. After the loan application for signing a loan contract with students is approved, the school will organize students to fill in, sign a loan contract and an iou within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank. 5. Within 20 working days after signing the loan contract and receipt with the borrowing student, the loan issuing handling bank will uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank. 6. Repaying the loan After completing their studies with the student loan, students should pay attention to their own credit and repay the loan on time. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.