To apply for a loan, students should first prepare a personal written application, fill in the application form after being audited by their departments and schools, and find two witnesses (both teachers and students). When submitting the application form for trial, attach a copy of the ID card, student ID card or teacher ID card of the applicant and witness. After the approval of the bank, the students signed a loan contract with ICBC. The bank will directly transfer the tuition fees borrowed by students to the school every academic year, and the living expenses will be paid to individual students at the highest monthly interest rate. The term of the national student loan is no more than 8 years, that is, students should pay off their principal and interest within 4 years after graduation. The following conditions must be met: 1. A natural person with full civil capacity. 2. Have a permanent residence ID card and a detailed address of the school and its department. 3. There is a "Student ID Card" and a student status certificate issued by the school; Proof of tuition and fees, living expenses and other related learning expenses required by students during their study; The loan application form or relevant certificates provided by the introducer. 4. Learning and moral performance meet the requirements of the lender, and there is no proof of bad credit behavior. 5. Other conditions stipulated by the lender.

Second, what are the conditions for student loans?

First, the application conditions of college student loan:

1, with full capacity for civil conduct;

2, honest and trustworthy, law-abiding, no illegal behavior;

3. Good academic performance and normal completion of studies;

4. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies;

5 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank.

6. Other conditions stipulated by the lending bank.

Two, apply for national student loans of college students need to submit information:

1, provide necessary information about my family's economic situation (generally including my written application, family economic situation questionnaire, proof of difficulties at street or township level or above, guarantor's guarantee and my actual performance, etc.). );

2, commitment to repay the loan liability clause;

3. Provide loans to repay the guarantor.

Third, the application process of student loans:

1, student application

Students 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.

2, the school institutions to review the loan.

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.

3, the handling bank for loan approval.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.

4. Sign a loan contract with 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.

Step 5 issue loans

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.

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.

Repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

Extended data

The CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. It is an important measure to establish and improve the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, which is to practice the "Theory of Three Represents", implement the Scientific Outlook on Development and build a harmonious socialist society.

It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.

The main contents of the financial aid policy system for students from poor families in colleges and universities

After the promulgation and implementation of the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13) and its supporting measures,

At the stage of higher education, the state has established various forms of financial aid policy systems for students from poor families in colleges and universities, such as national scholarships, national inspirational scholarships, national grants, free education for normal students, national student loans, work-study programs, tuition fee remission and so on. When students from poor families are admitted to universities, they can first report on time through the "green channel".

After entering the school, the school verifies the family's financial situation and then adopts different ways to support it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship.

In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.

3. College students from poor families

Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. By the school in accordance with the standards and procedures prescribed by the relevant departments, determined through democratic appraisal.

When students apply for the identification of family financial difficulties, they need to submit the "Questionnaire on Students and Families in Colleges and Universities" stamped by the civil affairs department of the township, town or street where their families are located (see attached table) to prove the family economic situation.

3. What are the conditions for graduate students to apply for student loans?

After the beginning of the new school year, graduate students apply to the bank for student loans through the school. 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 the valid identity certificate of the legal guardian and the written opinion of agreeing to apply for a loan);

3 my explanation of the family's financial difficulties;

4. Proof of family financial difficulties.

4. What conditions do students need to meet when applying for a student loan?

Requirements for applying for college student loan:

1, with full capacity for civil conduct.

2, honest and trustworthy, law-abiding, no illegal behavior.

3, good academic performance, can complete their studies normally.

4. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies.

5 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank.

Pay attention to student loans:

In a big way, the national subsidized student loans during school are all national student loans. The student loan applied for in colleges and universities is called college student loan, and the student loan applied for by the bank where the household registration is located is called student loan. There is no difference between them. In the end, it is to help students from poor families solve their tuition and accommodation expenses. You can apply before and after school. Students admitted to colleges and universities in this province mainly recommend student loans.