I. Application conditions

Student-origin credit student loan of Hunan National Development Bank (hereinafter referred to as "student-origin student loan") is suitable for undergraduates, postgraduates and students with second bachelor's degree from poor families (full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list of schools is subject to the announcement of the Ministry of Education).

Students attending preparatory classes, students taking self-study exams, adult college entrance examinations and advanced studies, and students who obtained national student loans in colleges and universities that year are not allowed to apply for student-origin student loans.

Borrowing students must have a * * relationship with the borrower, and have a * * relationship with the borrower, and the borrowing students * * * bear the repayment responsibility.

(a) the object of student loan support must meet the following conditions:

1. has the nationality of the people of China;

2. Honest and trustworthy, law-abiding;

3. According to the relevant provisions of the state, full-time undergraduate colleges, higher vocational schools, junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and full-time freshmen or undergraduates, graduate students and second bachelor's degree students who have obtained true, legal and effective admission notices in colleges and universities are approved to set up and implement higher education;

4. Students' pre-school household registration and borrowers' household registration are in the county (city, district);

5. Students did not get student loans from other countries in that year;

6. It is determined by the village (neighborhood) committee where the household registration is located (except for students in high school) that the family is in financial difficulties, and the income that can be obtained is not enough to pay the basic expenses required for students to complete their studies during their school years.

(2) * * * Same as the borrower.

* * * The borrower's household registration and the student's household registration before enrollment are in the county (city, district). * * * In principle, the borrower should be the borrower's parents.

If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers;

If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower.

If the borrower is not the borrower's parents, he must be between 25 and 60.

Borrowing students who have not settled the student-origin student loan (or college student loan) of China Development Bank cannot be used as * * * borrowers of other borrowing students.

II. Loan Amount, Term and Interest Rate

(1) Loan amount

If you are a junior college student, the loan amount you apply for should be within the upper limit of 8000 yuan. In principle, it is determined according to the sum of tuition and accommodation fees. The loan is an integer multiple of 1000 to 8000. If you are a graduate student, the loan amount you apply for should be within the upper limit of 12000 yuan. In principle, it is determined according to the sum of tuition and accommodation fees. The loan is an integral multiple of 1000 between 12000 and 100.

(2) loan term

In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of education) plus 13 years, and the longest period shall not exceed 20 years. Students begin to repay the loan principal and interest in installments according to the loan contract at the end of three years after graduation with normal academic system. Borrowing students study for more than 4 years, continue to pursue higher degrees (including the second bachelor's degree), and the repayment period will be shortened after graduation. The maturity date of the student-origin student loan is September 20th of the last year of the loan.

(3) Loan interest rate

The interest rate of student-origin student loan shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The loan interest rate is adjusted once a year, February 265438+February 2 1.

Discount policy

According to the relevant provisions of the national student loan, the interest of the borrowing students during their school days is all subsidized by the finance. Students will pay interest annually from September 1 day of graduation year.

Third, the application materials

(a) loan certification materials

The Application Form for Student Loan of China Development Bank (hereinafter referred to as the "Application Form"), which was exported and printed after the loan application was made on the "Student Online Service System".

Students who apply for loans for the first time need to hold the application form to the village (neighborhood) Committee for qualification examination and affix their official seals. (Students who have predicted the poverty-stricken population in high school or set up a card do not need to pass this qualification examination. )

(2) identification materials

1. Students, students and * * * borrowers who have passed the pre-application of high school need to apply for loans at the county-level financial aid center. You need to show the original ID cards of both parties, the original household registration books of both parties and the original admission notice of new students.

2. Students who do not belong to the pre-application scope of senior high school and apply for a loan for the first time, students and * * * together with the borrower need to apply for a loan at the county-level financial aid center with an application form stamped by the village (neighborhood) Committee. Original ID cards of students and * * * borrowers. Freshmen should be the original letter of admission (college students are the original student ID cards) and the original household registration books of both parties.

3. If the loan is renewed, both students and borrowers can go through the relevant procedures at the county-level rescue center. Show me the original ID card.

Four. Declaration and handling procedures

(1) Loan accepting department: Student Financial Assistance Management Center of the Education Bureau of the county (city, district) to which the borrower belongs (hereinafter referred to as "County Financial Assistance Center").

(2) Audit materials

When making the first loan, the student and the borrower must be present at the same time and submit the loan application to the county rescue center with the above application materials. The county financial aid center examines students who borrow money.

When applying for a loan again, the borrower or * * * together with the borrower can go to the county financial aid center, show the original ID card and submit the application form signed by the borrower.

(3) signing a contract

After passing the examination, the loan contract for student-origin credit student loans printed by Hunan Branch shall be signed with the borrowing students, and shall take effect after being approved by Hunan Branch. At the same time, the county student aid center prints the Acceptance Certificate of Student Loan of China Development Bank, which is sealed and confirmed, and then submitted to the students together with the loan contract for reporting to colleges and universities.

(4) Electronic contract receipt entry

After the borrower successfully applies for the student-origin credit student loan, the student-origin credit student loan management system will automatically generate the loan acceptance certificate and verification code. Borrowing students report to colleges and universities with stamped admission certificates; According to the acceptance certificate, the teacher of the college student financial assistance center logs into the student loan information management system, and inputs and confirms the verification code and the outstanding amount; The electronic contract receipt shall take effect after the teacher of the county (district) funding center confirms it on the system. The deadline for entering the receipt of student-origin credit student loan is1June 10. After 10 and 10, if the university fails to enter the receipt in the student loan information management system, it will be deemed that the borrowing student canceled the application for the student credit student loan of the Development Bank in that year.

(v) Loan issuance and payment

Alipay authenticates the borrower's real name and opens a personal account in a unified way. Borrowing students open settlement accounts in banks designated by Alipay, which are bound to personal Alipay accounts. Alipay will issue the loan on the date planned by China Development Bank, transfer the loan funds into the bank account of the borrower's university, and notify the borrower by SMS and email.

Verb (abbreviation of verb) reminds you specially.

(1) Borrowing students should carefully read and keep the contract text and earnestly fulfill their obligations.

(two) the relevant national policies are adjusted, according to the new policy. If the relevant loan procedures have been handled, the original policy shall prevail.

(three) the National Development Bank and funding centers at all levels have the right to publish and use the personal information and loan default information of borrowing students in accordance with the relevant provisions without the consent of borrowing students.

★ (4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the individual's future life and work.

(5) Borrowing students should log in to the "Student Online Service System" to check the repayment results in time to prevent problems.

(6) If the borrower and the borrower's contact telephone number, employment information, address and other important information change, please be sure to log in to the student online service system to update.

(7) If important information such as the college name, year of enrollment, educational system or graduation year of the borrower changes, please be sure to go to the county financial aid center in time to change the schooling information.

(See Student Online Service System for details)

* * County Funding Center Tel:

China Development Bank student loan consultation hotline; 95593

China Development Bank Hunan Branch