First, the process of applying for student loans
1, students take the application form to the township government, street office and other departments to sign and seal.
2. Students hold the application form and valid poverty certificate and other original certificates that meet the loan conditions to the funding center for on-site confirmation, and sign a contract (the loan qualification is audited by the district funding center).
3, students with the loan contract and loan certificate to the school to receive a receipt, and the receipt (in duplicate) returned to the local funding center.
Second, the conditions for applying for student loans
1, a natural person of China nationality who has reached the age of 18, has full capacity for civil conduct, has a fixed residence in China and holds valid identity documents.
2, with a legitimate occupation and stable economic income (except for students who apply for student loans), can guarantee the repayment of loan principal and interest on schedule.
3. Open a savings account in a loan bank and deposit not less than the down payment of the total consumption and the estimated mortgage registration fee, notary fee, insurance fee and other expenses.
4. It can provide effective guarantee measures recognized by banks for personal consumption loans.
5. The purpose of the loan is within the prescribed scope.
Extended data:
Student loan application materials
1. Application Form for Personal Consumption Loan of Agricultural Bank of China truthfully filled out by the borrower.
2. A valid certificate provided by the school.
3. Personal income certificate of the owner of the real estate.
4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, the list of pledged goods, the certificate that the person with the right of disposition agrees to mortgage and pledge, the certificate of ownership or use right of the collateral, the identification and insurance documents, the certificate of pledge right and the document that the guarantor agrees to guarantee shall be submitted.
5. If the repayment guarantee is in the form of insurance with an insurance company, it shall submit a written commitment from the insurance company to handle the installment repayment of consumer loan insurance.
6, has been deposited in the loan bank not less than the prescribed proportion of the total tuition and fees, notary fees, insurance premiums and other deposit certificates.
7. The power of attorney for entrusting the loan bank to transfer funds shall stipulate that after the loan contract signed by the loan bank and the borrower comes into effect, the loan bank can directly transfer the funds from the borrower's deposit account to the designated payee.
Baidu encyclopedia-student loan
Baidu encyclopedia-student loan