Applicable object

Full-time undergraduate and junior college students (including higher vocational students) who are receiving higher education, and students from poor families who are studying and studying for a second bachelor's degree in cooperative universities that meet the requirements of central and local financial discount.

Bidding conditions

1, with People's Republic of China (PRC) nationality and valid identification. 2. Have full capacity for civil conduct (minors applying for national student loans must obtain the consent of their guardians). 3. Students from poor families in cooperative universities who meet the central and local financial discount regulations. 4. Other conditions stipulated by the Agricultural Bank.

loan limit

The maximum loan amount per person per academic year does not exceed 6000 yuan.

Loan term and interest rate

The longest loan period of the borrower after graduation is no more than 6 years, of which the grace period for repayment is 2 years; The loan interest rate shall be implemented according to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China.

Handling process

The specific business types, handling procedures and handling conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China.