The national student loan is an unsecured and unsecured credit student loan led by the government and provided by financial institutions to students with financial difficulties in colleges and universities, which is used to help solve the tuition and accommodation expenses of students during their school days. In principle, the loan amount shall not exceed 8,000 yuan per academic year, and the longest loan period shall not exceed 20 years. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The loan interest of the loan students during their school days is all subsidized by the finance, and the interest is paid by the students after graduation, and the principal is repaid as agreed.

1. Log in to the student online service system (), complete the registration and fill in the basic information of the individual and the borrower, submit the loan application, print the application form and sign it.

2. The system prompts the students who have passed the pre-application, prints the application form and signs it, and then uploads the loan application materials according to the system prompts.

3. Students who have not applied in advance, but really need to apply for student-origin credit student loans due to family financial difficulties, can fill out the Identification Form for Students with Family Financial Difficulties (downloaded from the system at the same time with the application form) according to the actual situation, and apply for loans as the basis for identifying family financial difficulties.

4. Students who need loans * * * The borrower shall go through the formalities with the following loan application materials at the Student Financial Assistance Center of the County Education Bureau where the household registration is located:

(1) Original ID cards and household registration books of the borrower and the borrower (if the borrower and the borrower are not in the same household registration book, the original household registration books of both parties are required);

(2) The original admission notice (or student ID card) or the online verification report of Xue Xin. com

(3) the application form of the China Development Bank's student credit student loan. Students who have not passed the pre-application should also bring the original identification form for students with financial difficulties in their families.

5. After the electronic contract is successfully processed and signed, the loan students report to the university with the acceptance certificate of the county-level student aid center, and the teacher of the student aid center in the university is invited to enter the electronic receipt, and the loan takes effect. The National Development Bank is responsible for the approval and issuance of the loan.

How to apply for a college student loan?

1. Application conditions for student loan: 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; 5 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly 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. The materials to be submitted for applying for the national student loan: 1, and the necessary information about the financial situation of myself and my family (generally including my written application, family financial situation questionnaire, proof of difficulties above the street level, letter of guarantee from the guarantor and my actual performance, etc.). ); 2, commitment to repay the loan liability clause; 3. Provide loans to repay the guarantor. Iii. Application process of student loan: 1. Students apply for the national student loan application approval form and other materials, fill in truthfully and completely, and prepare relevant supporting materials and return them to the school's national student loan agency. 2. The school institution conducts the loan preliminary examination. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. 3 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. After the loan application for signing a loan contract with students is approved, the school will organize students to fill in, sign a loan contract and an iou within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank. 5. Within 20 working days after signing the loan contract and receipt with the borrowing student, the loan issuing handling bank will uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank. 6. Repaying the loan After completing their studies with the student loan, students should pay attention to their own credit and repay the loan on time. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.

How to apply for a college student loan?

In fact, it is not very troublesome for college students to apply for student loans. Generally speaking, the required materials include:

(1) Original and photocopy of the borrower's household registration book.

(2) The original and photocopy of the ID card (or valid identification certificate) of the borrower and guardian.

(3) proof of student status. Freshmen's admission notice; College students use their student ID card and the credit student loan certificate issued by the school. The commercial loans that ordinary students can apply for are all credit loans, so Bian Xiao takes credit loans as an example to illustrate.

First, the application materials that college student credit loan applicants need to provide:

(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;

(2) Proof of repayment ability such as personal or family income and property status;

(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;

(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.

Second, college students' credit loan requirements:

A) identification; B) Student ID card and report card (students in school); C) Diploma and degree certificate (graduated); D) List of frequently used bankbooks or bank cards (in the past six months). E) Other credit certificates (if any): scholarship certificate, class cadre certificate, club activity certificate, etc.

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) The borrower has certain self-owned funds for investment projects;

(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;

(5) Open a settlement account in the bank, and the operating income will be settled by the bank.