First, full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities can apply for national student loans if they meet the following conditions.
1, family financial difficulties.
2. Persons with China nationality and over the age of 16 must hold Chinese identity cards.
3. Have 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 violations.
5. Study hard and finish your studies normally.
Second, the application materials, students apply for loans from the bank through the school after the start of the new school year. The following materials are required.
1, national student loan application.
2. Copy of my student ID card and resident ID card (minors provide valid identity certificate of legal guardian and written consent application)
Proof of loan application).
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.
Advantages of student loans:
1. It is convenient for financial institutions to manage and prevent risks before and after lending.
Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.
2. It is convenient for colleges and universities to operate loan business and vigorously promote it.
Student-origin student loans are convenient, and only students and their parents or legal guardians need to form the same borrower, which is flexible. The identification of students' family economic status is completed locally, and local banks can conduct in-depth surveys of borrowers' families, which is convenient to operate and relatively low in identification cost.
3. It is convenient for students to apply for loans and obtain funds.
From the students' point of view, students can apply for student-origin credit loans in local financial institutions, and students can go through the loan procedures with the admission notice and other related materials. When they report to the school, they can bring the necessary funds and pay off the expenses required by the school on time.