Can colleges and universities apply for loans?

College colleges can apply for loans, just apply for national student loans.

Application Requirements

Full-time undergraduate and junior college students (including vocational students), second bachelor’s degree students and graduate students in ordinary institutions of higher learning can apply for national student loans if they meet the following conditions:< /p>

①Family financial difficulties;

②Those who have the nationality of the People’s Republic of China and are over 16 years old must hold a resident ID card of the People’s Republic of China;

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③Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardian);

④Be honest and trustworthy, abide by the law, and have no illegal conduct;

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⑤Study hard and be able to complete your studies normally.

1. To apply for a national student loan, you need to provide the following materials:

1. A copy of the guarantor’s household register: ① If the guarantor is the head of the household, a copy of the first page of the household register and the home page of the household are required; ② If the guarantor is not the head of the household, it is necessary to copy the homepage of the household registration booklet, the household homepage and the guarantor's page, and stamp the local household registration seal on the guarantor's page; ③ If the guarantor is a collective household registration, it is necessary to copy the personal page and have the guarantee issued by the local household registration department. Proof of household registration;

2. Copy of the guarantor’s valid ID card;

3. Guarantor’s agreement to guarantee the letter of commitment (in duplicate): unified format, requiring clear handwriting and content Detailed and signed by the guarantor himself;

4. Proof of income of the guarantor: unified format, requiring the official seal of the guarantor’s unit and the official seal of the labor department of the unit;

5. Copy of the applicant's valid ID card and student ID card;

The above photocopied materials must be clear, neat, and have the same paper size (B5 or 16 karat).

2. Requirements for filling out the loan application approval form

1. The application form must be filled in with a blue or black pen. It is required to fill in the form in a standardized, clear and neat manner, with no traces of alteration or scratching;

2. Fill in the relevant columns: ① Application loan amount: fill in the total amount of tuition and living expenses loans within the loan start and end dates respectively; (Tuition Loan Excluding accommodation and other expenses, the living expenses loan standard is no more than 156 yuan per month for 10 months per year) ②Loan period: the conversion time from the month of loan application to the time of repayment of the loan; ③Loan start and end date: 9 of the year of loan application month to July of the year of graduation.

3. Repayment method: ① Installment repayment; ② One-time repayment. Choose one of the two.

4. The total amount of the loan applied for (the sum of tuition fees and living expenses loans) and the total amount the guarantor is willing to guarantee (item 39) should be consistent with each other;

5. Relevant content of the guarantor (16- Item 39) must be filled out truthfully and specifically, leaving no blanks. And signed by the guarantor himself.

3. Precautions for Preliminary Review

When receiving student loan application materials, each college or department should conduct a careful and strict review. The review should generally pay attention to the following aspects:

1. Whether the materials provided are standardized and complete;

2. Whether the copies are clear and neat;

3. Whether the application form is filled out in a standardized manner, whether there are any missing or incorrectly filled items, whether there are any alterations, scratches, etc.;

4. Whether the guarantor meets the requirements (the guarantor must have full capacity for civil conduct, be at least 10 years old) Those who are over 25 years old, have a legitimate job and a stable income and have a monthly income of more than 600 yuan cannot be guaranteed);

5. Guarantee letter of commitment and loan application. Is the form signed by the guarantor?

6. Is the total amount of the loan applied for (the sum of tuition and living expenses loans) consistent with the amount the guarantor is willing to guarantee (item 39 of the application form);

7. Whether the guarantor’s name and ID card are consistent with the name and ID card number in the household register;

8. Whether the student’s name and ID card are consistent with the student ID card and ID card;

9. Whether the ID cards of the guarantor and applicant are valid within the loan period.

IV. Others

1. All colleges and departments should have strict requirements for students who want to apply for loans.

It is generally required that the applicant has good performance during school, excellent academic performance, financial difficulties, etc.;

2. Each application material is required to be placed in a large envelope and the applicant's major, class, and name are marked on the envelope;

3. For application materials that pass the preliminary review, each school and system shall submit them to the Student Affairs Office and attach a list of students applying for loans (required to include the major, class, name, and tuition fee loan of the students applying for loans) amount, loan amount for living expenses, loan period, etc.).

4. For students who pass the school review, a "Guarantee Contract" will be issued. After completing the filling, the school will send the application materials to the handling bank for approval.

Can a college apply for a loan?

You can apply for a student loan from the country where the student comes from. The maximum loan is 12,000. You can apply online from the China Development Bank, and then it seems that you need to hand in a receipt to the school. Yes, this account needs to be bound to Alipay, and then the bank will help you pay the tuition through Alipay, and then you can repay the money through Alipay. You can log in to the CDB's student online system () to fill in the application information online and download and print the application form. Students who have not passed the pre-application are required to provide an application form for determining family financial difficulties. Students who have passed the pre-application do not need to fill it out. Then, you need to bring your ID card, student ID card or admission notice, household register, application form, recognition form and other materials and the ID card of *** and the borrower (place of origin), together with *** and the borrower Go to the county-level financial aid management department to apply for a loan. Your teacher will also tell you the details.

How to apply for college student loans and what are the methods

How to apply for college student loans and what are the methods. I have compiled relevant information, take a look!

How to apply for college student loans

1. Submit a loan application

Eligible students log in to the "Student Online Service System" and find the "Loan Application" , click "Add", fill in the information, export and print the "China Development Bank Student Origin Student Loan Application Form"

(Note that the same student can only register once. If you have not registered before, you need to register first Log in again. )

2. Qualification review

If you are applying for a loan for the first time, you need to go to the high school, village (neighborhood) committee, or township (street) civil affairs department with the application form. Any unit will conduct a qualification review and stamp its official seal.

If it is a loan renewal, there is no need to review it again. You can go directly to the county-level funding center to handle the loan renewal procedures.

3. Sign the loan contract

After signing the seal, the student and the borrower go to the county-level financial aid center to handle the loan procedures with relevant materials.

Required information:

1) Original and copy of the ID card of the student and *** and the borrower;

2) Admission notice Original and photocopy of the certificate;

3), Original and photocopy of student ID card;

4) Original household registration book of the student and *** and the borrower;

5). Original copy of "Application Form".

The County Financial Aid Center will review the student borrowers, and after passing the review, they will sign a "Credit Student Loan Contract for the Place of Origin" with the student borrowers.

4. Entry and approval of loan information

Students should report to the university with the loan contract and loan acceptance certificate, and request the university to enter it in the loan management system of the student's place of origin before October 10 of the year of application. Return receipt information.

The county funding center submits the loan application summary information to the provincial funding center, which then submits it to the branch for approval. After approval by the relevant branches of the Development Bank, they will determine the objects and amounts of credit-based student loans issued to students within their jurisdiction that year.

Generally, after entering the receipt information, the next thing students have to do is wait.

Student loans must be paid off within a few years after graduation.

It needs to be paid off in full within six years. According to relevant regulations of student loan lending financial institutions, loan applicants must repay all outstanding debts within 6 years after graduation. Therefore, the maximum period of national student loans cannot exceed 6 years after graduation. Under normal circumstances, students should repay interest on an annual basis starting from September 1 of the year of graduation, and begin repaying principal and interest two years later. According to the provisions of China Development Bank, the normal repayment and deduction date is December 20 of each year.

How to apply for student loans in colleges and universities

If it is a national student loan, students applying for the loan can apply through online channels after receiving the admission notice, and fill in the application information truthfully and completely. And upload relevant supporting materials; or apply to the institution hosting the university after admission and provide relevant materials. For detailed information, please contact 95566 or Bank of China online customer service.

The above content is for your reference, please refer to actual business regulations.