Generally speaking, student loans are credit student loans. The former means that the school where the student attends conforms to the relevant provisions of the cooperation agreement signed between the bank and the school, and the individual application of the student is the household registration before the student enters school and the county (city) or district where the loan is located, that is, the loan is applied at the borrower's household registration. It is understood that at present, some provinces require borrowing students to apply for student-origin credit student loans directly in official website, China Development Bank. For provinces that have not opened online application, students can prepare loan materials and apply directly in local student aid centers. Materials required for initial application: sealed application form, borrower's and my ID card, college admission notice (students holding student ID card) and copies of the above materials; I and * * * together with the original account book of the borrower and other materials required by the assistance center. Materials required for re-application: application form signed by myself and copy of student ID Note: Students studying in colleges and universities are not allowed to apply for student-origin credit loan at the same time.
Second, what information is needed for the national student loan in the place of origin?
Identity cards and photocopies of you and your guardian; Original and photocopy of the household registration book; Proof of poverty.
3. What materials do I need to apply for a student loan?
Materials to be provided for applying for national student loans
Students' own materials
Freshmen are required to provide a copy of their admission notice or student ID card and a copy of their valid resident ID card.
Students are required to provide their student ID card and a copy of their ID card.
Graduate students who apply for tuition loans also need to provide proof of paying tuition fees.
Student family materials
Students applying for student loans are required to provide:
(1) Family Economic Status Questionnaire.
(2) A family income certificate issued by the parent's unit or the local government with a valid official seal.
(3) A copy of the parent's valid ID card.
(4) If the parents sign, they promise to agree that the children will agree to apply for student loans.
⑤ If the students are single parents, orphans or divorced parents, certificates issued by local civil affairs departments are required.
Witness materials of student loans
Students applying for student loans must find two witnesses; And provide copies of valid resident ID cards, student ID cards or work permits of the two witnesses.
Student loan guarantor materials
Students who apply for student loans by way of guarantee must find a guarantor;
The guarantor shall provide himself and his spouse with valid resident identity cards (military officers can provide military officers' cards), work permits and copies of household registration books; Economic income certificate issued by the guarantor's subordinate unit; Any recent household water, electricity and coal bills.
Approval process for applying for student loans
Specific procedures:
1. Applicants should go directly to the Student Affairs Management Center of the Student Affairs Office to get the application form. Generally, when the school starts in September, students are required to prepare relevant materials of themselves, witnesses, families and guarantors and fill in relevant application forms.
2. The Student Affairs Management Center of the Student Affairs Office conducts a preliminary examination of the student's loan application, mainly examining the degree of difficulty of the student's family and whether the attached relevant materials are complete or qualified.
3. The handling bank shall review the application materials submitted by the school.
4. The handling bank went to the school to sign a loan contract with the loan student. In the case of guarantee, the guarantor and the handling bank need to sign a guarantee contract.
5. The handling bank issues loans to students according to the loan contract. Tuition fees are paid into the special account of the school by the bank before the start of each academic year; There are two forms of payment of living expenses: one is to send it to the student's loan account on a monthly basis; The other is to pay to the student loan account once a year. The specific payment method shall be determined by the handling bank.
4. What bank card does the national student loan need?
The appropriation must be a card of four major banks. Including Industrial and Commercial Bank, Agricultural Bank, China Construction Bank and Rural Credit Bank.
This is because the money students get from state grants is distributed to students through bank card transfer handled by the school. The bank cards handled by the school for students are the cards of these four major banks, so the bank cards for students to obtain state grants must also be the cards of the four major banks, including ICBC, Agricultural Bank of China, China Construction Bank and Rural Credit Cooperative.