No. 1 applicable

Students who need to apply for loans apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, and prepare relevant supporting materials to return to the school's national student loan agency.

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 cooperate with students from poor families in colleges and universities to handle national student loans. [detailed]

Materials to be submitted when applying:

(1) National Student Loan Application Approval Form;

(2) A copy of my student ID card and resident ID card (minors must provide valid identity certificates of legal guardians and written opinions on agreeing to apply for loans);

(3) my explanation of the family's financial difficulties;

(4) the identification of the family financial difficulties by the civil affairs departments of townships, towns and streets and the education administrative departments at the county level.

(5) Other supporting documents and materials required by the bank or school. National student loan interest rate:

Repayment period of national student loan:

Generally speaking, borrowing students should pay off the loan principal and interest within six years after graduation. [detailed]

How does the state finance subsidize the interest of the national student loan?

The national student loan interest of the borrowing students during their school days is fully subsidized by the state finance.

The second school trial

Auditing principle: School institutions organize students to apply for loans and accept student loan applications within the annual loan quota and control ratio issued by the National Student Loan Management Center.

School preliminary examination

School institutions shall examine the qualifications of the national student loan application materials submitted by students, and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan.

After the completion of this work, the school organized a five-day publicity and corrected the problematic application.

After the initial examination is correct, the school institution will confirm the qualified loan application and affix its official seal within 10 working days, inform the students of the audit results, and prepare the National Student Loan Audit Information Form.

Who will examine and approve the national student loan application?

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students.

Third bank approval

Bank approval

The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days. The school institution will return the loan contract and IOU to the borrower for safekeeping within 5 days after receiving it.

Who will examine and approve the national student loan application?

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students. [detailed]

Can I pay in advance?

Borrowing students can repay part or all of the loan in advance during the loan period, but they must submit a written application to the bank in advance. [detailed]

The fourth sign the contract

After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

Sign a contract with the handling bank

The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days.

How to sign a national student loan contract with the handling bank?

After the student loan application is reviewed by the school and approved by the bank, the school will organize students to fill in, sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.

Fifth, issue loans.

The bank will handle a debit card or current passbook for each student.

How to issue national student loans?

The handling bank shall, within 20 working days from the date of signing the loan contract, transfer the tuition, accommodation and living expenses loans for the first academic year to the designated account of the school, and transfer the tuition, accommodation and living expenses loans for the second and subsequent academic years to the designated account of the school ... [Details]

Who will be responsible for supervising the use of loans?

The school is responsible for supervising the use of student loans, and the handling bank can learn about the issuance and use of loans from the school.

Sixth, repay the loan.

Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans.

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.

What procedures do I need to go through with the bank after graduation?

1. Before the borrower graduates, the school should organize the borrower to go through the repayment confirmation formalities at the handling bank.

2. Borrowing students who continue to study for their degrees should apply to the original school for extension before graduation. [detailed]

When will the national student loan be repaid?

Borrowing students need to pay the loan interest in full after graduation. The handling bank allows the borrowing students to repay the loan principal in any month within 24 months after graduation according to their employment and income level. [detailed]

How to repay the national student loan?

Banks usually design two repayment methods for borrowing students: equal principal and interest repayment and equal principal repayment. [detailed]

What are the consequences of breach of contract?

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank shall charge a penalty interest on the amount of default repayment ... [Details]

2. After entering the repayment period according to the repayment agreement, the borrowing students who are in arrears for more than one year and have not contacted the bank to handle the relevant formalities will be notified by the relevant administrative departments and banks through the news media ... [Details]