China Bank's national student loan quota:
Before September 3, 20021year, the policy is that the loan amount applied by full-time undergraduates (including students with second degree and higher vocational education) should not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
Policies after September 3, 2002/KLOC-0 Recently, the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Further Improving the National Student Loan Policy (Cai Jiao [202 1] 164), starting from the fall semester of 20021. Full-time college students (including second bachelor's degree, higher vocational and preparatory students) apply for loans of no more than 8,000 yuan to no more than12,000 yuan per year; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. China Bank's national student loan should be used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.
Students who apply for national student loans in Bank of China can apply according to the maximum amount of the New Deal (that is, the maximum loan amount per junior college student is10.2 million yuan, and the maximum loan amount per graduate student is10.6 million yuan).
Students who have applied for (issued) national student loans in BOC can apply for an increase (for example, undergraduate students can apply for a loan of 5,000 yuan to pay tuition and accommodation fees, and they can apply for a living allowance of 7,000 yuan from BOC).
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
How much can college students borrow?
According to the student loan policy, the national student loan subsidy standard is adjusted from no more than 6,000 yuan per full-time college student per year to no more than 8,000 yuan per person per year. Full-time graduate students applying for student loans can not exceed 12000 yuan per person per year.
If college students who are enlisted in the army want to apply for compulsory military service tuition compensation, national student loan compensation, tuition reduction and exemption,
It is also changed from 6,000 yuan per junior college student and 8,000 yuan per graduate student per year to 8,000 yuan per junior college student and12,000 yuan per graduate student per year.
If you are a college graduate, you can apply for a national student loan if you go to a grassroots unit for employment.
Such students' application for employment tuition compensation, national student loan compensation standard and tuition subsidy standard for retired soldiers are adjusted from no more than 6,000 yuan per undergraduate per year to no more than 8,000 yuan per undergraduate per year and no more than 12000 yuan per graduate per year.
How to calculate the interest rate of student loan?
According to the relevant regulations, the interest rate of student loans is based on the benchmark interest rate of the central bank at the time of loan issuance, and the benchmark interest rate of the same grade is implemented, which can be adjusted according to the interest rate of 65438+February 3 1 day every year.
The loan interest rate is 202 1 year: the loan term is within 1 year, and the benchmark loan interest rate is 4.35% per year. The loan term is 1-5 years, and the benchmark interest rate is 4.75% per year. The loan term is more than 5 years, and the benchmark interest rate of the loan is 4.90% per year.
There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
There are colleges and universities.
Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
application for insurance
Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.
What materials do I need to provide to apply for a national student loan?
1, national student loan application;
2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);
3. I explain the family's financial difficulties;
4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows:
Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online loan repayment in 2006-2008 school year is school code+student ID number, and the password is 8 birthday; The login name and password of online loan repayment in 2009 and beyond are the login name and password when students apply for loans);
Click "prepayment application" on the left to enter the prepayment application summary information page;
Click the "Add" button at the bottom left of the prepayment application summary information page to open the prepayment addition page;
Select a loan contract record and click OK to save the prepayment application information.
How many "national student loans" can China banks apply for?
China Bank's national student loan quota: the loan quota for full-time undergraduates (including students with second degree and higher vocational education) shall not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
How to handle the student loan for college students, where to do it, how much the loan amount is, and how much the interest is. Thank you. It's urgent.
The national student loan interest rate is subject to the statutory loan interest rate announced by the People's Bank of China. On March 28th, 20 14, the annual benchmark interest rate of the loan is: one to three years (inclusive) 6.15%; Three to five years (inclusive) is 6.4%; More than five years, 6.55%. Take Youshi University in China as an example:
The bank handling the student loan is: Bank of China, Beijing Changping Donghuan Sub-branch.
Materials to be provided for applying for the national student loan on campus.
(1) national student loan application;
(2) Questionnaire on college students and their families and proof of family economic status;
(3) Copies of parents' ID cards, personal ID cards and student ID cards (minors must obtain the written consent of their legal guardians);
(4) a copy of the first page of the household registration book (referring to the page with the name and home address of the head of household and the official seal of the Public Security Bureau) and all members' household registration cards;
(5) Other materials stipulated by the school and the handling bank. For the specific requirements of material preparation, please refer to the notice of the school about handling the national student loan in the school that year.
Borrowing students need to go to the bank to go through the formalities of national student loan after graduation.
(1) Before the borrower leaves school, the Student Financial Assistance Management Center organizes the borrower to go to the handling bank to go through the repayment confirmation procedures, formulate the repayment plan and sign the repayment agreement. After the borrowing students and the handling bank have gone through the above procedures, the Student Financial Assistance Management Center can go through the graduation procedures for them.
(2) Borrowing students who continue to pursue their degrees after graduation should apply for extension to the Student Financial Assistance Management Center 30 days before graduation, and provide relevant certificates for continuing to pursue their degrees (a copy of the admission notice is required for extension from other schools, and the school will issue a unified extension certificate). After the approval of the Student Financial Assistance Management Center, the original handling bank will handle the extension formalities for it.
Extended data
Before the start of school every autumn, college students with financial difficulties can apply for loans to the student financial assistance management centers in counties (cities, districts) where their families are located (some areas can apply directly to relevant financial institutions), and the county-level student financial assistance management centers will conduct preliminary qualification examination on the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.
The maximum annual loan for undergraduate and preparatory students is not more than 8,000 yuan, and the maximum annual loan for graduate students is not more than12,000 yuan. After college students from poor families get credit loans from students' places of origin, parents no longer have to worry about not paying tuition fees, which relieves their worries and enables students to study with peace of mind.
In addition, students who get credit loans from students' places of origin do not have to pay interest during their studies, and all of them are subsidized by the government. After graduation, the interest will be paid by the students and their parents (or other legal guardians) * * *, and the loan interest rate will be subject to the benchmark interest rate of the same grade published by the People's Bank of China in the same period. In principle, the term of student-origin credit student loan shall be determined according to the academic system plus 13 years, and the longest term shall not exceed 20 years.
For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. Three years after graduation is the grace period for repayment of principal. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.