If it is a national student loan, students who apply for loans can apply through online channels after receiving the admission notice, fill in the application information truly and completely, and upload relevant certification materials; Or after entering the school, apply to the university organizer of the school and provide relevant materials. For details, please consult 95566 manual or online customer service of Bank of China.
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 apply for a student loan? What is the specific process?
In order to help children from poor families go to school smoothly, the state has set up a student loan. So, how to apply for a student loan? I sorted out the application process steps of student loan. Let's have a look!
How to apply for a student loan
The national student loan shall be applied according to the following procedures:
1. Apply for a national student loan from the school.
2. Receive the application for national student loan issued by the school.
3. Fill in the application form and submit the application letter together with the required information to the school.
4. The school will examine the qualifications of the applicants.
5 submitted to the handling bank after the audit.
6. After the approval of the handling bank, the bank signs a loan contract with the students.
7. Handle the bank loan and complete the application.
What is the national student loan?
The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Help students from poor families in colleges and universities pay for tuition, accommodation and living expenses during their studies.
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. After receiving the letter of admission, students can consult the school to handle the national student loan. After students report to the school, they can apply for national student loans from financial institutions through the school.
How to apply for a college student loan? What materials are needed?
College students need to apply to the loan bank where the school is located, or you can contact the school to apply for a loan. The materials required for the application are as follows:
1. The borrower and the original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or armed police card as valid documents).
2. Admission notice or student ID card. For freshmen, the original and photocopy of the admission notice, and for students, the original and photocopy of the student ID card.
3. Loan certificate issued by the university.
When applying for student loans, in order to standardize loan management and avoid unnecessary legal disputes, the Development Bank stipulates that student loan contracts should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time. When renewing the loan and signing the contract, the borrower or the borrower can handle it with the power of attorney. * * * In principle, the borrower is the parent or legal guardian of the borrower, and the household registration before enrollment must be consistent with the borrower's own household registration.
University student loan process
If it is a national student loan, the application process has two modes: online and offline. If the online mode is adopted, it will be approved by the bank first and then by the university. Offline mode: students submit loan applications to college student financial assistance management institutions; The application for national student loans can be submitted through online channels such as online banking and mobile banking of Bank of China, and paper applications can also be submitted to universities offline. For details, please consult 95566 manual or online customer service of Bank of China.
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.