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 apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.
1. Applicant and conditions:
Full-time undergraduate students (including students in higher vocational colleges), second bachelor's degree students and graduate students in ordinary colleges and universities, and meet the following conditions
(1) Family financial difficulties;
② Those who have People's Republic of China (PRC) (PRC) nationality and have reached the age of 16 must hold the resident identity card of the People's Republic of China;
(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
⑤ Study hard and you can finish your studies normally.
2. Application materials:
After the start of the new school year, students apply for loans from banks through schools. The following materials are required:
(1) national student loan application;
(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);
(3) my explanation of the family's financial difficulties;
(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.
3. Application amount
In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.
4. Lending approval
The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
Step 5 lend money
The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.
6. Loan interest
The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.