1 name

2. Reasons for application

3. Application amount

4. Obligation to guarantee performance after borrowing

Step 5 sign

Fan Wen:

Jiangxi Rural Credit Cooperatives:

I am a poor student of Grade 03 in Chinese Department of Jiangxi Normal University of Science and Technology, and I come from a remote rural area in Jiujiang City. There are six people in my family, grandpa, grandma, dad, mom, sister and me. Grandparents support the elderly at home, my sister goes to high school in the county, my parents farm at home, and my mother is sick. The expenses of the whole family mainly depend on crops. Due to the small land and large population in my hometown, and the flood and crop failure last year, the per capita income of the whole family is less than that of 400 yuan. After entering the university, most of the tuition fees were borrowed by relatives and friends. It will be even more difficult for me to pay all my tuition fees this year. In order not to affect my studies because of financial difficulties, and to pay off my tuition in full and on time, I hereby propose a student loan to your society. My loan amount is 6000 yuan, and I intend to pay off the principal and interest within 4 years after graduation. My parents also agreed to my loan and agreed to take joint responsibility. After the loan, I promise to fulfill my repayment obligations and repay the principal and interest of the loan on time. At the same time, I will continue to study hard and strive to repay the concern and support of the provincial rural credit cooperatives with excellent results. I hope the provincial rural credit cooperatives will approve it.

Applicant: ×××

May 2005 10

Example 1:

I'm XX from Class X of XX Middle School. My family lives in a remote mountain village. There are six people in the family, and the only labor force in the family is mom and dad, but they have been sick. Because there is no culture and capital, we can only make a living by doing coolies and short-term jobs, and we have been living in poverty for more than ten years. When I was a child, four children at home studied together. My parents worked hard day and night to get us all to go to school, but their hard-earned hard-earned money was not enough for our tuition, so we had to borrow it from relatives. It was really hard at that time. My sister dropped out of junior high school and went home to help. My second sister and I graduated from junior high school together and wanted to go to high school, but our family really couldn't afford our tuition, so my second sister gave me the opportunity to go to high school and went home to help.

My family only has about 1.5 mu of paddy fields, and all the rice harvested every year can barely provide for family use. My family's economic source depends on that little star anise and cassava. Therefore, the annual income of the whole family is only about 2000 yuan, except for debt repayment and daily expenses, there is not much left. So tuition has been bothering us. But for the future, I must study and go to college.

In order to finish my studies and realize my college dream, I really hope to get your help. I will try my best to realize my dream. Thank you!

I am here to convey

welcome

Applicant: XX

Example 2:

XX Branch of China XX Bank:

I was admitted to XXXX College in XX, 2000, majoring in XXXX. I am a student of subject X, my ID number is XXXX, and my graduation date is XXXXX. Because of the financial difficulties at home, it is difficult to pay tuition during school. In order to successfully complete my studies, I hereby apply for a national student loan from your bank. The loans are 200X-200X school year yuan (XXXX yuan), 200X-200X school year yuan (XXXX yuan) and 200 X-200 X school year yuan (XXXX yuan). The tuition fee for the 200X-200X academic year is RMB Yuan only, and the above total amount is RMB Yuan only. The loan term is from XX years to XX years, not later than the sixth year after graduation.

I promise: after obtaining the national student loan, I will study hard, be aggressive, finish my studies well, keep my promise, and pay off the loan before XX; Inform the bank of the work unit or detailed contact information in time after graduation, and be a trustworthy contemporary college student.

My detailed contact address is XXXX village, XXXX town, XXXX county, xxxx province.

The postal code is XXXXXX, and the telephone number is XXXXXX.

Applicant: XXXX

XXXX，XXXX，XX，XX

Fan Wensan:

Jiujiang Rural Credit Cooperative:

I am a poor student of Grade 05 in east china institute of technology University of Law and Art, from a poor family in Shangrao. There are five people in the family now. Grandpa is old and sick, his parents are farming at home, and his younger brother is studying in Shangrao Normal University. Family income mainly depends on crop harvest. In addition, this year's floods, crop failures, and the average annual income of the whole family is less than that of 300 yuan, making it difficult to pay for tuition and miscellaneous fees for my brother and me to go to college. In order to complete my studies, I applied for a national student loan from your society. I applied for 5,600 yuan for tuition and accommodation, with a total amount of 22,400 yuan (four-year fee), which will be paid off within six years after graduation. My parents also agreed to assume the guarantee responsibility. I promise to be honest and trustworthy and repay the principal and interest according to the contract. Thank you for your support. I look forward to your approval.

Applicant: Zhang Hua

June 2005 65438+1 October1

Appendix: Detailed answers to national student loans

What is the national student loan?

The national student loan refers to the student loan granted by the lender to the borrower in the form of interest discount from the central or local finance, which is used to borrow the tuition, accommodation and living expenses required for students to study in domestic colleges and universities.

Which bank is responsible for the national student loan? What is the nature of its loan?

The bank responsible for undertaking the national student loan is determined by the government according to the affiliation entrusted by the national and provincial national student loan management centers through bidding. Banks participating in the bidding must be approved by the CBRC and have the conditions to handle the national student loan business. Once the handling bank is determined, the National Student Loan Management Center and the bank will sign a legally binding loan cooperation agreement. The winning bank shall provide loan services in accordance with the agreement and issue national student loans in full and on time; It is necessary to simplify the loan procedures, formulate a unified loan contract text, and standardize the cycle of handling loans; Timely provide students with repayment information to ordinary colleges and universities. Its loan nature belongs to commercial loans and is included in the normal loan business management.

At present, the national student loan of our school is undertaken by China Industrial and Commercial Bank.

What is the object, scope and scale of the national student loan?

The national student loan is applicable to undergraduates (including higher vocational students), postgraduates and students with second bachelor's degree in full-time colleges and universities in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province). In order to make the work of subsidizing students from poor families with national student loans go smoothly, 1999 carried out pilot projects in eight cities including Beijing, Shanghai, Tianjin, Chongqing, Wuhan, Shenyang, Xi and Nanjing, and gradually expanded the scope of pilot cities with national student loans when conditions were ripe. In the above-mentioned pilot cities, the scale of national student loans for colleges and universities affiliated to each region is determined by each region according to the local financial discount, and the scale of national student loans for colleges and universities affiliated to the central ministries and commissions is determined by the Ministry of Education according to the national financial discount funds. With the expansion of the pilot, the scope and scale of national student loans will continue to expand. After the autumn of 2004, the latest policy of national student loan was fully implemented in colleges and universities across the country.

What is the model of student loan?

The national student loan is managed by one application, one credit granting and installment payment.

What is the interest rate of the national student loan? If the loan interest rate of China People's Bank changes, what will happen to it?

100% of the student loan interest is subsidized by the finance, and the specific subsidy measures are implemented according to the relevant provisions of the state. The interest and penalty interest of the students after graduation shall be paid in full by me.

Regular annual interest rate (%)

1 year 5.58

1 ~ 3 years (inclusive) 5.76

3 ~ 5 years (inclusive) 5.85

More than 5 years 6. 12

During the loan period, if the legal interest rate is adjusted, and the loan period is within one year (including one year), the interest shall be calculated according to the interest rate agreed in the contract; If the loan term is more than one year, it shall be implemented according to the adjusted interest rate grade from the corresponding date of the loan issuance date of the following year.

-Applications and processes:

Who can apply for a student loan?

A, with China nationality and Chinese identity card.

B, honest and trustworthy, law-abiding, no violations of law and discipline, can complete their studies normally.

C. Due to the family's financial difficulties, the income earned during the school period is not enough to meet the basic needs (including tuition, accommodation and basic living expenses) for completing their studies.

D a natural person with full capacity for civil conduct (minors shall have the written consent of their legal guardians)

E. Full-time undergraduates, junior college students (including vocational college students), graduate students, second-degree students and doctoral students studying in colleges and universities can also apply for national student loans (the school recognizes their application qualifications).

F, recommended by the school that passed the preliminary examination.

Where do students apply for national student loans?

Banks do not directly accept students' loan applications. In principle, loan banks accept applications for national student loans every year. Borrowing students must apply for loans to the designated department of the school with their valid certificates before and after the start of the new school year 10 days, and receive and truthfully fill out the National Student Loan Application Form and other related materials. And submit the relevant materials required by the national student loan to the designated department of ordinary colleges and universities for unified submission.

If students have applied for student loans from other banks, can they also apply for national student loans from China Bank?

Students who have obtained national student loans from other banks and signed loan contracts and installment loans can apply for loans from China Bank in the new school year, but the loans that have been issued in the past will not be transferred, and the original contracts signed with other banks will still be implemented.

Those who obtain national student loans from other banks, sign loan contracts in one lump sum and issue loans in installments, shall continue to implement the original contracts signed with other banks, and may not apply for loans from China Industrial and Commercial Bank.

What are the terms and limits of student loans?

(1) the national student loan period is generally not more than 10 years, and the longest is not more than six years after the borrower graduates. After graduation, the borrower can start repayment in 1 ~ 2 years, and must pay it off within six years.

(2) The amount of national student loans applied by borrowing students shall not exceed 6,000 yuan per person per academic year.

What information does the borrower need to submit when applying for a student loan?

① A copy of the borrower's ID card and student ID card;

A certificate from the civil affairs department at or above the township level on the family's financial difficulties;

(3) Minors must provide valid identity certificates of legal guardians and written consent to apply for loans;

(4) A copy of the economic situation questionnaire

⑤ Copy of parents' household registration book (card) or ID card.

Can the loan application form be altered

Key elements such as name, loan term, amount and signature cannot be altered.

What should I do if I lose my ID card? Can a copy of the household registration book of temporary id card or the police station replace the ID card?

If a student applying for a loan loses his/her ID card, he/she needs to go to the school account management department to prove his/her ID number.

No, it must be the original ID card.

What is the examination and approval procedure of the national student loan?

First of all, the school should conduct a preliminary examination of the borrower.

First, students should be organized to apply for loans within the loan amount and control ratio of this year issued by the National Student Loan Management Center.

B the school shall examine the qualifications of the national student loan application submitted by the borrower, be responsible for the completeness, authenticity and legality of the relevant information and materials of the borrower, and complete it within 20 working days after receiving the student loan application.

C. After the first trial is passed, the school should publicize it within a certain range and correct the problematic application.

D. After the publicity, the school shall confirm the authenticity and validity of the borrower's signature on the relevant materials within 10 working days, affix the official seal on the approved National Student Loan Approval Form, notify the borrower of the audit results, and prepare the Information Form for Students' Application for National Student Loan according to the requirements of the lender, and send it to the lender together with the application materials in the form of electronic documents.

Two, the lender to review the national student loan application.

A. check the application form, student id card and information form.

B, review whether the loan amount of each applicant exceeds 6000 yuan per academic year.

C. The total amount of loans applied by the school cannot exceed the annual loan amount of the school approved by the National Student Loan Management Center, and the number of borrowers cannot exceed 20% of the total number of students in the school.

D, review the loan procedures and documents, if there are any mistakes or omissions, immediately ask the school to correct or supplement.

-Lending items:

What accounts should the borrowing students open when the bank issues loans?

China Bank will handle a debit card and a current passbook for each borrower, so that the school institution can transfer the living expenses to the borrower's current account on a monthly basis. This account can be used as a repayment account for borrowing students.

How is the national student loan issued?

A. After the loan is approved by the authorized approver, the lender shall, within 20 working days after signing the loan contract and receipt, transfer the first-year tuition, accommodation and living expenses to the loan account opened by the school with the lender, and at the same time, the lender shall transfer the loan to the tuition account opened by the cooperative university with the lender according to the charging standards for study, accommodation and living expenses provided by the school; In the second and subsequent academic years, after the borrower signs the receipt, the lender shall remit the tuition, accommodation and living expenses to the loan account and tuition account opened by the school with the lender within 20 working days according to the above procedures.

B the lender shall handle a debit card and current passbook for each borrower when issuing the loan, and submit the borrower list, debit card number and current passbook account details to the school, so that the cooperative university can transfer the living expenses to the current account on a monthly basis. At the same time, the lender should make it clear to the school and the borrower that the account will be used as a repayment account when repaying.

-change of student status:

What measures will the loan bank take if the borrowing students transfer, drop out of school, go abroad, be expelled, be killed or injured?

1. If the borrower drops out of school, transfers, leaves school, goes abroad or is expelled from the school, the school institution shall notify the bank in writing within 5 working days;

2. After receiving the written notice submitted by the school-running institution, the bank shall stop issuing outstanding loans and take measures such as recovering the principal and interest of the loans in advance;

3. If the borrower applies for studying abroad after graduation, he should take the initiative to inform the loan bank and pay off the loan in one lump sum.

Under what circumstances can the lender stop issuing loans?

When the following events occur, the students at school promise to notify the handling bank in writing within 15 working days:

1. The home address, mailing address, telephone number and work unit have changed;

2 unemployment, serious illness and other situations that endanger the safety of loans;

3. Students are involved in major litigation or arbitration cases;

4. Other circumstances that affect its repayment ability occur.

If the principal and interest of the loan are not repaid on schedule, it shall truthfully provide the information required by the handling bank (including foreign debts and new large loans, etc.), and cooperate with the handling bank to investigate, review and check the personal economic income and expenditure related to the loan.

In any of the following circumstances, the bank has the right to stop issuing loans, recover part or all of the loans already issued in advance, and inform the unit (including schools and work units going abroad) or the relevant state departments of the defaulting students:

1. The statement in the relevant contract is materially untrue, or false documents and materials are provided, or important facts are concealed, which has caused or may cause loan losses;

2. Students are expelled from their school, or with the consent of the school, drop out of school or leave school without paying off their loans;

3. The school student fails to notify the lender of the changed work unit and effective contact information within 30 working days after changing the work unit or residence address;

4. Students go abroad to study or immigrate during the loan period without paying off the loan;

5. After the student enters the repayment period according to the repayment agreement, he is in arrears for more than one year and does not take the initiative to contact and handle the relevant procedures;

6 students refuse or obstruct the handling bank, and the school supervises and inspects the use of their loans;

7. When the students graduated, they did not sign a repayment agreement with the handling bank.

-Repayment:

What are the repayment methods and repayment time of national student loans?

A, the national student loan is subsidized by the financial subsidy 100% during the borrower's school days (that is, the borrower does not need to pay interest during the school days), and the loan interest and penalty interest after graduation are paid in full by the borrower.

B before the borrower leaves school, the school organizes the borrower to go through the repayment confirmation formalities at the loan bank, make the repayment plan and sign the repayment agreement. The borrower can choose to repay the loan principal from any month within 24 months after graduation (that is, within the grace period), that is, the borrower only repays the loan interest and does not repay the loan principal. However, the borrower must start to repay the loan principal 24 months after graduation and pay off all the loans within 6 years after graduation.

C. If the loan term is within one year (including one year), the loan principal and interest shall be paid off in one lump sum when the loan expires; If the loan term is more than one year (excluding one year), the flexible repayment of principal and interest can be adopted.

The lender shall deduct the repayable loan principal and interest from the personal account opened by the borrower in the bank on the 20th of each month.

E. The borrower may repay part or all of the loan in advance, but must submit a written application to the lender before repayment 15.

F After graduation 1 year, the borrower can apply to the bank to adjust the repayment plan, including adjusting the repayment method.

How does the loan bank recover the loan repaid by the borrowing students?

In order to ensure the recovery of the national student loan, the borrower must reconfirm or change the loan contract with the handling bank before graduation, and go through the corresponding procedures according to the requirements of the loan bank. If the borrower does not go through the confirmation formalities, the school will suspend the graduation formalities for him.

Borrowing students should deposit the loan principal and interest into the original current savings account before the agreed repayment date, and the loan bank will take the initiative to deduct it from the account on the agreed repayment date. If the borrower fails to repay the principal and interest of the loan as agreed in the contract, the loan bank will issue a dunning notice to the borrower, investigate the liability for breach of contract according to law, and collect default interest.

What materials do students need to prepare for repaying loans in advance?

Students are required to submit a written application to the bank 15 days in advance, and provide the original ID card and contract.

What procedures do loan banks, loan students and their schools need to go through after graduation?

After the borrower graduates, the school will notify the handling bank of the borrower's whereabouts, changes and contact address in writing. Borrowing students should also inform the handling bank of the changes in the unit, contact address and repayment method in a timely manner in accordance with the commitments in the loan contract. Borrowing students deliberately evade bank debts and fail to inform the handling bank of changes in the unit, contact address, repayment method and loan guarantee in time as required in the loan contract, which makes bank loans risky. Banks will take creditor's rights protection measures with relevant departments, publicize them to the public when necessary, and recover loans according to law.

How to repay the loan after graduation?

Borrowing students who work in different places after graduation can remit money to the loan bank through the branch of the handling bank in different places; The loan bank can also negotiate with the branch of the handling bank where the borrowing student works and handle the loan transfer procedures.

What should I do if I fail to pay off the national student loan within the time limit?

A. require the borrower to correct the breach of contract within a time limit;

B. Stop issuing unused loans;

C interest is charged on the basis of the original loan interest rate;

D recover part or all of the loan principal and interest in advance (including the right to deduct it directly from the borrower's account);

E. Publish information such as the name of the defaulter, citizen ID number, graduation school, specific breach of contract, etc. through news media, Internet and other information channels;

Apply to the arbitration organ for arbitration or bring a lawsuit to the people's court.

-Extension:

Can the national student loan be extended?

Yes, you can only do it once in principle.

How to handle the extension formalities for the students who are on loan?

① Borrowing students who continue to pursue their degrees after graduation can apply for loan extension, and submit their application for loan extension to the original school 30 days before graduation, which will be approved by the original school;

② After the extension of the loan applied by the borrowing students, if the cumulative term reaches the new term level of interest rate, it will be implemented at the new term interest rate from the date of extension;

(3) During the loan extension period, according to the affiliation of the borrower's original school, the financial department will continue to implement interest subsidies according to students.

What is the operation process of applying for a national student loan? (example)

The whole application process is divided into six parts. Here is a detailed introduction for a student who meets the application conditions:

Step 1: Students apply.

Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency (hereinafter referred to as "school institutions").

The materials to be submitted include:

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

(4) Other supporting documents and materials required by the bank or school.

Step 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.

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 of the school institution is correct, the qualified loan application stamped with the official seal will be confirmed within 10 working days, and the students will be informed of the audit results, and the Information Form for Student Audit of National Student Loan (hereinafter referred to as the Information Form) will be made and sent to the handling bank of China Industrial and Commercial Bank together with the application materials (hereinafter referred to as the handling bank).

Step 3: The handling bank approves the loan.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school. If there are any mistakes or omissions, the school will be required to correct or supplement them. The handling bank shall complete the review within 15 working days after receiving the true and complete application materials submitted by the school. Within 5 working days after the end of all examinations, the handling bank will compile a unified roster of qualified students and send it to the school together with the blank loan contract and the iou.

Step 4: Sign a loan contract with the students.

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.

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.

Step 5: Borrow.

The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank; Tuition, accommodation and living expenses loans for the second and subsequent academic years should be transferred to the designated account of the school within 20 working days after the start of each academic year. The handling bank handles a debit card or current passbook for each borrower, and submits the loan student list and debit card number details to the school so that the school can transfer the living expenses to the account on a monthly basis.

Step 6: 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.

Borrowing students should repay the loan principal and interest on a monthly basis after graduation, but they can choose to repay the loan principal from any month within 24 months after graduation or repay the loan principal in advance.

Borrowing students should authorize the handling bank in the loan contract to automatically deduct the repayable principal and interest from their personal accounts opened in the bank on the agreed repayment date until all the loan principal and interest are paid off.