How to handle the student loan for college students? Reporter Nie Li Intern Xu Yuting As the opening time of colleges and universities in China approaches, the student loan has gradually become the focus of social attention. How to borrow money? What is the loan amount? Become a concern of parents and candidates. In this issue of On-the-spot Assistance Room, Zhang Hong, Deputy Chief of Monetary and Credit Management Section of Jinhua Central Branch of China People's Bank, Xu Jin, Personal Finance Department of Jinhua Branch of China Industrial and Commercial Bank, Wang Fang, Jinhua Office of Zhejiang Rural Credit Cooperative Association, Zhang Mingfu of Jinhua Urban Credit Cooperative Association and other guests were invited to answer questions from netizens on the spot. Types and institutions: What types of student loans are currently offered? Zhang Hong: According to the nature, student loans include national student loans and general business student loans. According to the loan object, it can be divided into two categories: student loans and student loans. Student: What are the main financial institutions that provide student loans? Zhang Hong: The financial institutions that handle student loans include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, commercial banks and rural credit cooperatives, which means that students who apply for student loans can handle them in any of the above financial institutions. Object and condition: The friend is a student in Jinhua. He was admitted to Zhejiang University this year, but his family was in financial difficulties. Excuse me: who are the recipients of the student loan? What are the application conditions for student loans? Xu Jin: Students of Zhejiang University can apply for student loans in Hang Cheng (where the campus is located) or Jinhua (where their pre-school residence is located). National student loans are granted to full-time undergraduates, junior college students (including vocational college students), graduate students and second-degree students in ordinary colleges and universities with real economic difficulties. Application conditions for student loans: (1) Full civil capacity; (two) honest and trustworthy, law-abiding, no illegal behavior; (3) Good academic performance and being able to complete their studies normally; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; (5) Strictly abide by the regulations of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank. (6) Other conditions stipulated by the lending bank. How to deal with AK09: I come from Jiangxi and study in Jinhua. How do I apply for a student loan? Xu Jin: The application for student-origin loan is specially entrusted to colleges and universities. Financial institutions in our city have signed contracts with some universities, Zhejiang Normal University, Zhejiang Guangsha Vocational and Technical College and Yiwu Industrial and Commercial Vocational and Technical College have signed cooperation agreements with ICBC, and Jinhua Vocational and Technical College will soon sign a contract with ICBC to provide student loans. Sister: My home is in the suburb of Jinhua. I want to apply for a student loan. What should I do? Wang Fang: Students who apply for student-origin student loans should go to any financial institution or its branches where their household registration is located with the admission notice or copy of student ID card, copy of valid resident ID card, proof of financial difficulties and other relevant materials. Aileen: What information do students need to provide when applying for a student loan? Zhang Mingfu: Students applying for loans must truthfully provide the following materials: (1) their valid ID card and student ID card and their copies; If the student ID card is lost, the original certificate of the school student ID card management department shall be provided. Freshmen who have not applied for a student ID card can provide an admission notice; If you don't have an ID card, you need to provide the original certificate of the ID card handling department. Old student loans need to provide proof of previous year's performance stamped and confirmed by the school performance management department. (2) provide proof of family financial difficulties in the township (town) where the household registration is located before enrollment and above the government, street or county education administrative department. The proof should include the name of the student, the main family members, the specific circumstances and reasons for the difficulties. (3) Copies of the ID cards of the two witness teachers. (4) Other materials required by the handling bank. People who don't know the amount, duration and interest rate are fearless: what is the amount of national student loan that students can get? Xu Jin: There are two kinds of student loans: tuition and living expenses. The maximum loan amount per academic year does not exceed 6000 yuan. Among them, the amount of tuition loan shall not exceed the tuition fee collection standard of the school where the borrower is located, and the amount of living loan shall not exceed the basic living standard of the school. Ignorance and fearlessness: How long will the national student loan last? Zhang Hong: At present, the term of national student loans generally does not exceed 10 years (4 years in school+6 years after graduation). According to the employment and income after graduation, loan students will start to repay their loans after 1 to 2 years, and pay them off within 6 years. North and South: What is the national student loan interest rate? Xu Jin: The national student loan interest rate is subject to the statutory loan interest rate announced by the People's Bank of China and the interest rate policy of relevant state departments. The current interest rate is: (1) one year to three years (inclusive): 5.76% (2) three years to five years (inclusive): 5.85% (3) more than five years: 6. 12%. In case of interest rate adjustment, the lending bank will prepare a new repayment plan and notify the borrowing students. How to apply for a credit student loan PPTang: Who can apply for a credit student loan? Zhang Hong: Credit student loans are generally granted to college students over 18 years old. For their immediate family members, they can issue both student-origin credit student loans and guaranteed student loans; Guaranteed student loans are generally issued to their legal guardians. PPTang: What are the requirements for college students to issue credit student loans? Xu Jin: To grant credit student loans to college students, the school where the students work must provide loan referees, who will take the loans.