In June, 1999, the People's Bank of China, the Ministry of Education and the Ministry of Finance jointly formulated the Regulations on the Administration of National Student Loans (for Trial Implementation), and decided to provide national student loans to students from poor families, which will be piloted in Beijing, Shanghai, Tianjin, Chongqing, Wuhan, Shenyang, Xi and Nanjing, and gradually extended when conditions are ripe. After the introduction of this policy, many candidates and their parents are very eager to know the relevant details. The following is an introduction to the loan application conditions, application procedures, recovery methods and current situation.

First, how to apply for a student loan?

1. Application conditions The national student loan is applicable to full-time undergraduate students with real financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macau and Taiwan Province Province). At the same time, students applying for loans should also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no illegal acts; ③ Good academic performance; (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 Honesty and trustworthiness; ⑥ Can provide guarantees that meet the requirements of banks; ⑦ Opening current savings business in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.

2. Application Procedures Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be submitted directly to the relevant departments of their schools, and banks do not directly accept students' personal loan applications), receive the National Student Loan Application Form, the National Student Loan Application Commitment and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.

Students applying for loans must also truthfully provide the following materials:

(1) My valid ID card and its copy (minors must provide the valid ID card of the legal guardian and written proof of agreeing to the loan)

(2) provide proof of income of major family members or income obtained through other channels.

(3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income and proof of agreeing to guarantee for the borrower; Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided.

Second, the loan amount and recovery

The amount of student loans is determined according to the following formula: the amount of student loans = the basic living expenses stipulated by the city where the school collects tuition fees-personal income (including income provided by families, income from social assistance and other aspects). 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. Due to different tuition fees charged by different schools and different basic living standards in different regions, the maximum amount of student loans is not exactly the same. Under normal circumstances, the annual student loan ceiling is 8000 yuan.

The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by students is subsidized by the state finance, and 50% is borne by the borrowing students.

Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. The order of installment repayment should be that the loan items should be repaid first and sorted one by one. Repayment method is quarterly installment of principal and interest. The repayment time starts from the first year after graduation at the latest and will be paid off within 4 years after graduation. 50% of the loan interest that the borrower should bear shall be paid off with the principal, and the loan interest shall be paid at the same time when the loan principal is returned. Borrowing students can repay the loan principal and interest in advance in one lump sum or in installments after consultation with the handling bank. At the time of repayment, the borrower shall deposit the loan principal and interest into the original current savings account before the agreed repayment date, and the handling bank will take the initiative to deduct it from the account on the agreed repayment date. If the borrower fails to repay the principal and interest of the loan as agreed in the contract, the handling bank will issue a reminder to the borrower, investigate the liability for breach of contract according to law, and collect default interest.

Borrowing students should go through the repayment confirmation procedures at the handling bank before graduation, and re-apply the corresponding guarantee procedures according to the requirements of the handling bank. Loan guarantee is a kind of guarantee. If the borrower has made it clear where he will go after leaving school, he should submit the Letter of Commitment on Guaranteeing to Assist ICBC to collect the national student loan on schedule, and the receiving unit is responsible for assisting in collecting the loan on schedule. If the borrower goes through the confirmation procedures or submits the above materials, the school may suspend the graduation procedures for him.

Once the loan amount of the borrowing student is determined, it will generally remain unchanged during the loan period. If the loan is suspended midway, the borrower can apply to the handling bank for suspension of loan issuance through the school. Special circumstances require additional loan lines, and additional loan and guarantee procedures can be handled separately.

If a student needs to transfer during the loan period, the school and the handling bank can handle the relevant transfer procedures only after completing the debt transfer procedures of the student loan with the school to be transferred and the corresponding handling bank, or after the student pays off the principal and interest of the loan.

At the same time, in the process of using the loan, if the borrower violates the relevant regulations of the handling bank, commits an illegal act, the borrower drops out of school, is expelled from school, has his school status revoked, or fails to use the loan according to the purpose agreed in the contract, the handling bank may stop issuing the loan, and may require the borrower and the guarantor to repay all the principal and interest of the loan within the specified time.

All major commercial banks in China can apply for student loans. Non-poor students with financial difficulties can apply for student loans (see above for application conditions).

Second, how to apply for a student loan? What are the requirements?

The process for college students to apply for student loans is mainly as follows:

1, bring the admission notice (non-freshmen can bring their student ID cards) and materials that need to be prepared in advance, find the local education service window to handle this business, declare your reasons, and then start processing.

2. Fill in the basic information and determine the loan amount. The specific operation method is very simple, just follow the tips of the staff step by step.

3. If it is convenient for high school graduates to apply, they only need to bring relevant information and apply with the agent.

4. If you are a college student who is already studying, you need to print a list and stamp it at any unit in the village committee, township or street. After that, the processing steps are the same as those of fresh graduates.

Third, how to apply for a student loan? What are the requirements?

First of all, please explain the conditions:

1, with full capacity for civil conduct;

2, honest and trustworthy, law-abiding, no illegal behavior;

3. Good academic performance and normal completion of studies;

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;

And the school to use the national student loan 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.

2. Materials to be submitted for applying for student loans:

1, provide me and my family (generally including my written application, family financial situation questionnaire, proof of difficulties at street or township level or above, guarantor guarantee and my actual performance, etc.). );

2, commitment to repay the loan liability clause;

3. Provide loans to repay the guarantor.

Third, the application process of student loans:

1, student application

Students receive the approval form and other materials, fill them in truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.

2, the school institutions to review the loan.

School institutions organize students to apply for loans in full and within a controlled proportion, and then

3, the handling bank for loan approval.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.

4. Sign a loan contract with students.

After the loan application is approved, according to the handling bank, the school will complete the work of organizing students to fill in, sign loan contracts and IOUs within 10 working days, and submit them to the handling bank.

Step 5 get a loan

The handling bank signs a loan contract with the borrowing students, and the tuition, accommodation and living expenses loans are unified into the designated account opened by the school in the handling bank.

Step 6 repay the loan

Borrowing students use student loans to complete their studies. After graduating from school every year, the handling bank will go through the repayment confirmation procedures, and the handling bank will send people to come to the door to explain the repayment related matters to the borrowing students and answer their inquiries.

Repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) within five years after completion, the employer will deduct it from his salary month by month;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For loan students, if they are expelled from the school, ordered to drop out of school or students voluntarily drop out of school for violating national laws and school discipline, the students will go home to deal with it.

Extended data

The CPC Central Committee and the State Council attach great importance to establishing and perfecting the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford universities and receive vocational education. This is an important measure to practice the "Theory of Three Represents", implement Scientific Outlook on Development and build a harmonious socialist society.

The strategy of strengthening the country, optimizing the educational structure and improving teaching methods; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.

Main contents of family policy system in colleges and universities

After the promulgation and implementation of the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges and Universities (Guo Fa [2007]13) and its supporting measures,

At the stage of higher education, the state has established inspirational scholarships, state grants, free education for normal students, state student loans, work-study programs, and financial assistance for students with financial difficulties. First of all, they can report to the university on time through the "green channel".

After entering the school, we will verify it and then take different measures to grant it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship.

In addition, the state actively guides and encourages social organizations, enterprises and individuals to help students from poor families enter school smoothly and complete their studies.

3. College students from poor families

Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. By the school in accordance with the standards and procedures prescribed by the relevant departments, determined through democratic appraisal.

When students apply for the identification of family financial difficulties, they need to submit the "Questionnaire on Students and Families in Colleges and Universities" stamped by the civil affairs department of the township, town or street where the family is located (see attached table) to prove the family economic situation.

Baidu encyclopedia-student loan