The whole application process is divided into six parts, taking a qualified student as an example:
Step 1: Students apply.
Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.
Step 2: The school institution conducts the loan preliminary examination.
The school organizes students to apply for loans and accepts student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.
Step 3: The handling bank approves the loan.
The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.
Step 4: Sign a loan contract with the students.
After the loan application is approved, the school will organize students to fill in and sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
Step 5: Borrow.
The handling bank shall, within 20 working days after signing the loan contract and receipt with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses loans into the designated account opened by the school in the handling bank.
Step 6: Repay the loan.
Students who borrow money should pay attention to their own credit and repay on time after completing their studies with student loans.
How to apply for a college student loan? What materials are needed?
The materials to be prepared for university student loans include: school certificate, student ID card and photocopy, ID card and photocopy of myself and my parents, original and photocopy of household registration book, identification form for poor students, and application form for student loans.
The application process is as follows:
1. The loan amount for undergraduate and junior college students cannot exceed 8,000 yuan. The amount of the loan depends on the tuition fee for one year in colleges and universities. The repayment period is academic system plus 13 years, and the longest period cannot exceed 20 years. And there will be interest if students don't repay the loan after graduation.
2. Application: Applicants can apply directly at the school. General schools have this procedure, and you can also apply to the relevant departments of the local government.
3. Waiting for approval: Whether you apply at school or locally, you have to wait for approval. If the situation is true and meets the loan conditions, you can wait for the money. It is reported that the average school's annual loan amount is above 1000 yuan. If the application is made in the local government or the Education Bureau, the Education Bureau will issue a certificate after reviewing the facts and take it to the bank for processing.
Note: the application materials submitted by the applicant must be true and not fraudulent, otherwise the application will not be passed. The certificate of attendance is a certificate of attendance issued by the school to students who need loans after the start of school, which requires the official seal of the school and the department where it belongs. The student ID card is also processed in the university after entering the school, and can be used when returning to the student's home loan.
Process of applying for national student loan
The basic process of applying for a student loan for the first time includes: registering students' online system, filling in an application form, conducting qualification examination and signing a loan contract. I. Application process and required materials for student loans 1. Application process (using equipment: browser computer: macbookpro mos 14, opening google version 92.0.4515.131), registering students' online service system, and logging in the student loan information network of China Development Bank. (2) Qualification Examination If it is the first time to apply for a loan, you need to hold an application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification examination and build official seal. If it is a loan renewal, there is no need to review it. You can go directly to the county-level funding center for loan renewal procedures. (3) Fill in the application form, fill in the application form online, export and print it after completion, and sign it by the borrowing student himself. (4) Fill in the Application Form for Identification of Students from Poor Families, and export the Application Form for Identification of Students from Poor Families, which shall be signed by the borrowing students and co-borrower. (5) The signing students and co-borrower bring the required materials together, sign the contract at the county-level help center where the household registration is located and get the receipt. (6) submit a receipt. The borrower will give the receipt to the college teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10. 2. Required materials (1) The original application form signed by the borrowing student himself. (2) The original Application Form for Identification of Students with Financial Difficulties signed by the borrowing student and co-borrower himself (students who fail to apply in advance must provide it). (3) The original ID cards of the borrower and co-borrower. (4) the original admission notice or student ID card. (5) the original account book. I. National Student Loan The national student loan is a bank loan that is led by the government, subsidized by finance, and compensated by finance and universities. Banks, education administrative departments and colleges and universities work together to help students from poor families in colleges and universities pay the tuition, accommodation and living expenses they need during their studies at school. 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. Second, the conditions for applying for student loans 1. Students are poor and unable to afford tuition and daily living expenses. 2. Students who have reached the age of 16 are China residents and have corresponding identification information. 3. Students have independent ideological and behavioral activities and the ability to undertake responsibilities and obligations. 4. Students have no record of serious violations of laws and regulations, good conduct and strict attitude. Students should study hard and finish their studies smoothly.
How to apply for a student loan?
Student loans are generally applied to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the family is registered.
The process is as follows:
1. Bring my ID card, household registration book, college admission notice, and proof of family financial difficulties issued by the relevant departments where my family is located, and apply for a loan at the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where my family is registered. After receiving the application form and filling it out, submit the completed form together with the materials.
2. The local funding center will review the materials, sign a loan contract with the borrowing students after the approval, and then issue a contract receipt.
3. Borrowing students will give the contract receipt to the school when going through the admission formalities, and the school will enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the student is located.
4. The local financial aid center shall compile a summary table and submit it to the provincial student financial aid management center, which will submit it to the handling bank for approval before issuing loans (generally, the funds will be transferred to the borrower's personal account first, and then transferred to the tuition account of the school where the borrower is located).