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;
(3) Having 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 illegal behavior;
⑤ Study hard and you can finish your studies normally.
Application material
After the start of the new school year, students apply for loans from banks through schools. The following materials are required:
(1) national student loan application;
(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);
(3) 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.
Extended data:
Application amount
In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.
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.
loan origination
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.
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.
repayment period
The maximum loan period is 20 years, with a grace period of 3 years. During the grace period, only the interest needs to be repaid, not the principal. ?
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.
Baidu encyclopedia-national student loan