For ordinary college students with family difficulties, the credit loan for students from China Development Bank is undoubtedly a timely help. What materials do I need to apply for a student-origin credit student loan? Let me talk to you today.
What materials do students need to apply for student loans?
1. The materials required for a student to apply for the first loan include: the original application form signed by himself and stamped by the qualification department, the ID card of himself and the borrower, and a copy of the college admission notice (the student holds a student ID card); The original household registration book of the borrower and myself.
2. The materials required for the loan extension application include: an application form signed by the student himself. If the borrower or the borrower cannot come to the acceptance site, the other party may apply with the power of attorney.
The difference between student-origin student loans and general loans is that the concept of * * * is the same as that of borrowers.
Specific steps of student-origin student loan
There are usually four steps:
1, online self-help: students register in the service system (
Complete the registration, fill in the personal basic information and borrower information, put forward the application for student credit loan and export and print the application form for student credit loan.
2. Identification of family economic status: Students are required to fill in the application form for the credit student loan from their graduate high school or family village (neighborhood) committee and township (street) civil affairs department, and only need any of the above-mentioned identification units to issue identification opinions and affix their official seals.
3. Submit materials to the county-level financial aid center: the borrower and the borrower's ID card 1 copy, the admission notice (or student ID card) 1 copy, the original household registration book 1 copy, and the application form for student-origin credit student loan signed by the borrower himself.
In addition, if the borrower and the borrower are not in the same household registration book, they need to bring the original household registration books of both parties.
4. Enter the electronic receipt in colleges and universities, waiting for approval: students applying for loans report to colleges and universities with admission certificates, and require college teachers to enter the electronic receipt on June 65438+ 10/0 of that year.
After submitting the above materials, you can basically wait for good news.
Reminder: After April 1 every year, students who renew their loans can log in to the student online service system to apply. Don't miss time. I hope the above introduction will be helpful to everyone.
How to make a 20 17 student loan?
The process of handling student loans:
The loan acceptance department applies for a loan;
Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;
Review the materials. When the borrower and * * * go to the student financial assistance management department of the county (city, district) education bureau where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the county education bureau;
Sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;
Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. Within 30 days after registration, if the student financial assistance management department of the Education Bureau does not receive the receipt (no later than 65438+1October 30), it will be deemed that the student has cancelled the loan application;
Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;
Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.
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Full-time junior college students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties in their families apply for national student loans through the student financial assistance management institutions in the counties (cities, districts) where their household registration is located (in some areas, they apply directly to relevant financial institutions). Students and parents are * * * borrowers, and both parties are responsible for repayment.
1, application conditions
(1) has China nationality;
(2) Honesty and law-abiding;
(3) Freshmen who have been approved to set up full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, and the list of schools is subject to the announcement of the Ministry of Education) to implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice, or undergraduates, second bachelor degree students and graduate students studying in colleges and universities;
(4) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);
(5) The court is in financial difficulties, and the income it can obtain is not enough to pay the basic expenses needed to complete its studies during the school period.
2. Procedures
Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.
3. Loan amount
The loan amount applied by the borrower for each academic year shall not exceed 6,000 yuan in principle.
4. Loan interest
The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
5. Repayment period and repayment method
In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
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20 17 student loan process for college students' origin
Student-origin credit student loans do not need guarantees and mortgages, but they need repayment, which is different from national grants. Below, I sorted out the process of 20 17 college student loan for your reference!
The process of student loan for college students' origin
China Development Bank: (opened provinces: Shanxi, Inner Mongolia, Jiangsu, Anhui, Henan, parts of Jiangxi, Shandong, Hubei, Hunan, Guangxi, Hainan, Qingdao, Chongqing, Sichuan, Guizhou, Yunnan, Shaanxi, Gansu, Qinghai and Ningxia).
Agricultural Banking in China: (Fujian Province, Zhejiang Province)
Rural credit cooperative banks: (Jiangxi Province, Fujian Province, Zhejiang Province)
The specific treatment of each student's origin should consult the local education bureau funding center (due to different local requirements).
1. First, log in to official website of China Development Bank, click on the student online service system (student origin) and register the student information.
2. Export the loan application, print the paper document (in duplicate) and affix the official seal according to the above requirements.
3. Preparation materials: Old classmates should first go to the school office to open a student loan certificate and bring it back. (Note: Different regions may have different requirements)
(a) the materials required for the first loan (refers to the old students who have never borrowed money)
(1) Application Form (in duplicate). The application form must be complete and accurate, and signed and sealed by the borrower; , the village (neighborhood) committee, township (street), county civil affairs departments of all units with official seals.
(2) the borrower and the borrower's identity card, and the county center keeps a copy;
(3) Admission notice (old students are required to provide student ID card and a copy of student ID card), and the county center keeps one copy;
(4) Other materials required by the county funding center.
(2) Materials required for loan renewal
(1) Application Form (in duplicate). The application form must be complete and accurate, and signed and sealed by the borrower; No qualification examination is required (that is, no official seal is required).
(2) a copy of the student ID card;
(3) other materials required by the county funding center.
(4) Apply for a loan and sign a contract at the rescue management center. For the first application, the borrower and * * * must go to the acceptance site at the same time as the borrower; When renewing the loan, the borrower and one of the borrowers can apply at the scene.
(5) After the students report to the school, they will submit the acceptance certificate (receipt) to the financial aid center of the school with the relevant loan receipts from the county education bureau and the bank. Teachers in the financial aid center will enter the collection information in the student loan system. Remember!
Rural credit cooperative loan
(Open provinces: Jiangxi, Fujian, Heilongjiang and parts of Yunnan,)
I. Loan application and preliminary examination
(1) The applicant shall issue 1 certificate to the Academic Affairs Office before going home; Students from outside the province need to download the Application Form of Credit Student Loan for Students from xx Province on the website of the Education Bureau of Students' Origin.
(two) sent to the village, township (street) county civil affairs department for examination and seal.
(three) to the local county (District) Education Bureau Student Financial Assistance Management Center for examination and seal.
(four) students applying for loan approval should provide the following materials to the county aid center:
(1) application form;
(2) ID cards, photocopies and household registration books of borrowing students and borrowers;
(3) Student ID card and its copy;
(4) Proof of tuition and accommodation fees required by students and the bank name, account name and account number of the school;
(5) Proof of the relationship between students and their parents (or other legal guardians); (6) Other materials specified by the county funding center. Approved after parallel verification.
Second, sign a loan contract
After the loan is approved by the agency designated by the County Student Financial Assistance Center, the agency will sign a student loan contract with the borrower and * * *.
Third, colleges and universities confirm that
(a) students with the "student loan contract" and "student credit student loan confirmation letter" back to school registration.
(two) and hold the "student credit loan confirmation letter" receipt to the education department to confirm the receipt.
(three) within 20 working days after registration, send a confirmation letter of the student source credit loan to the county-level student financial assistance management center by mail or other effective means. In case of special circumstances, students should take the initiative to contact the county-level student financial assistance management center, otherwise loans will not be issued.
4. After the tuition fee is received, the applicant shall go through the formalities of tuition fee change with the receipt of tuition fee.
Loan application, preliminary examination of county-level student financial assistance management center
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Agency investigation, review and approval
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Sign a loan contract
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Confirmation of ordinary colleges and universities
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The county-level student financial assistance center informs the lender.
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Loan issuance and remittance
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Record registration
After reading the 20 17 college student loan process, I also saw:
1.20 17 student loan policy
2.20 17 national student loan policy
3.20 17 Financial Aid Policy for College Students
4.20 17 new policy for college students
When will the 20 17 student loan arrive?
With the arrival of graduation season, more and more students begin to pay attention to the student-origin loan. Among them, many students are confused about the repayment time and repayment inquiry method of student-origin student loans. Today I will talk to you.
When will the student-sponsored loan arrive?
The student source credit loan contract signed by China Development Bank and students does not clearly stipulate the time when the funds will be transferred to the student account. When the school starts, you can report to the school with a loan contract.
Reminder: If you don't have a student loan from the student source, you can apply to the school first, apply for a national student loan through the school, or get funding through state grants, work-study programs, etc. According to the experience of previous years, it usually ends at the end of the year or the beginning of the second year.
Inquiry method of student-origin student loan
Generally speaking, there are three ways to query:
1, you can log in to the online student loan system network (
), including loan situation, repayment plan, repayment record and personal information.
2. You can log on to Alipay platform (
), the contents of the query include Alipay account recharge and repayment.
3. You can query through the student loan information network. Through this website, you can find out the contents of a series of loan-related policies issued by the state.
Reminder: Students who apply for student-origin student loans for the first time must go to the site to apply for loans with the borrowers. In addition, except for the National Information Network, the other two websites need to be registered in advance. I hope the above introduction will be helpful to everyone.
This concludes the introduction of 20 17 local student-origin loan and 20 17 student-origin loan. Did you find the information you needed from them?