National student loan for graduate students?

20 18 exchange group for postgraduate entrance examination 586254585

In order to help students with difficulties to complete their studies smoothly, and not to bring too much burden to their families, qualified graduate students can apply for and obtain national student loans in time. The following is the information about "National Student Loan for Postgraduates" compiled by Hunting Test Xiaobian. Candidates of 20 18 can also get to know it first.

Ensure that qualified graduate students can apply for and obtain national student loans in time. To raise the annual ceiling of national student loan for graduate students, in principle, it shall not exceed the sum of annual tuition and accommodation fees. The discount interest and risk compensation of national student loans shall be borne by governments at all levels according to the existing methods. Implement the policy of tuition compensation for graduate students who work in grassroots and hard and remote areas and are enlisted in the army and the national student loan compensation.

The national student loan is a credit student loan led by the government and provided by financial institutions to students with financial difficulties in colleges and universities to help solve the study and living expenses during school. The national student loan interest rate 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 national student loan interest of the loan students during their school days is paid by the finance, and the interest after graduation is paid in full by the borrower. In order to encourage financial institutions to undertake national student loans and establish a loan risk sharing mechanism, finance (universities) will give certain risk compensation to the handling banks. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. According to the different application places and work processes of students, national student loans are divided into two modes: national student loans in schools and credit student loans in students' places of origin.

(A) the national student loan campus bank

Full-time college students (including vocational college students), students with second bachelor's degree and graduate students with financial difficulties apply for national student loans from the handling bank through the Student Financial Assistance Office of our school.

1. Application conditions

Full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:

(1) Family financial difficulties

② Persons with China nationality and 16 years of age or older must hold Chinese identity cards.

(three) with full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians)

(4) Honest and trustworthy, law-abiding, no violation of laws and regulations.

⑤ Study hard and you can finish your studies normally.

2. Application materials

After the new school year begins, students apply for loans from banks. The following materials are required:

(1) Application for National Student Loan

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan).

My explanation of the family's financial difficulties.

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount

In principle, the height of each person per academic year does not exceed 6000 yuan.

4. Lending approval

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students. The bank is responsible for the final examination and approval of student loan applications.

Step 5 lend money

The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

7. Repayment period

According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.

8. Consequences of breach of contract

(1) If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the default repayment amount shall be charged with penalty interest.

② The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans.

(3) For borrowers who are seriously in arrears in repayment, the relevant administrative departments and banks will publish their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels.

(4) Lenders who seriously breach the contract will also bear relevant legal responsibilities.

(B) Student-origin credit student loans

Full-time junior college students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties have applied for national student loans through the student financial assistance management institutions in counties (cities, districts) where their household registration is located (some areas have directly applied to relevant financial institutions). Students and parents are * * * borrowers, and both parties are responsible for repayment.

1. Application conditions

(1) People with China nationality.

(2) Honest and trustworthy, law-abiding.

(3) Freshmen who have been formally admitted to full-time ordinary colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list of which is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and who have obtained a true, legal and effective admission notice, or undergraduates, postgraduates and students with a second bachelor's degree studying in colleges and universities.

④ Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district).

⑤ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

2. Handling procedures

Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.

3. Loan amount

The loan amount applied by the borrower for each academic year shall not exceed 6,000 yuan in principle.

4. Loan interest

The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).

5. Repayment period and repayment method

In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 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. The two-year grace period is for students at school and after graduation. 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.

The first provincial and municipal policy

Shandong Province has issued a number of postgraduate scholarship policies and established academic scholarships.

Tianjin promulgated the Measures for the Administration of National Grants and Academic Scholarships for Postgraduates.

Jiangxi graduate student funding standard is not less than 6000 yuan per student per year.

The national grant for graduate students in Hebei covers everyone, and new academic scholarships are added.

Jiangsu province raises the application limit of national student loan for graduate students 12000 yuan per year.

40% graduate students in Chongqing can get1.4000 grant.

Zhejiang Province introduced the policy of postgraduate scholarships and national grants for postgraduate students.

Sichuan has established a postgraduate scholarship with an annual reward of 8,000 yuan.

20 14 In the first year, Hubei announced the scholarship policy.

Anhui: Postgraduate scholarships were adjusted to state grants.

The above is the relevant content prepared by the hunting test for everyone. Please pay attention to the postgraduate entrance examination for more information. In addition, in order to help students better prepare for the 20 18 postgraduate entrance examination, we have launched a year-round training camp, OL study, exam-free training courses for famous schools, excellent online courses and live postgraduate entrance examination classes, and conducted in-depth analysis and guidance for each subject to help everyone realize their dream of postgraduate entrance examination!