At present, China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank are the four major state-owned banks that offer national student loans.
If you want to apply for a student loan, you can apply to China Development Bank, and there are also rural credit cooperatives in some areas.
Student-origin student loans are handled at the Student Financial Assistance Management Center of the local education bureau.
Students applying for student loans, with their ID cards, household registration books, college admission notices (freshmen) or college student ID cards (students), go to the district (city) or county student financial assistance management center where the household registration is located to receive the application form, and fill in the personal information of the students and their parents (or other legal guardians).
After that, the applicant will send the application form to the street (township) civil affairs department for review, affix the official seal and return it to the district (city) county student financial assistance management center. The district (city) county student financial assistance management center will make a preliminary evaluation of the application form and submit it to the loan bank, which will sign a loan agreement with the applicant and lend after the final review meets the requirements.
Where can I get a student loan from a student source? Is it a bank?
Student-origin student loans are handled in the student financial assistance management center where the students' families are located, and some areas directly apply to relevant financial institutions.
First, the loan certification materials
1, freshmen who entered the school in 2009, and students from provinces and cities who offered student-origin loans in provincial and municipal colleges and universities, the qualifications of students with financial difficulties have been completed in advance by the local education authorities, and students who passed the pre-application examination must produce provincial and municipal certification materials for the graduation middle school or university to offer student-origin credit loan.
2. Students from other provinces and cities who apply for student-origin student loans in universities in other provinces and cities must issue loan certificates from their universities.
Second, the identification materials
1, the original and photocopy of the borrower's and co-borrower's identity cards and household registration books (the guardian can also use the military card or the 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.
Extended data:
1 student loan procedure
Student Credit Student loans are applied, approved and issued annually. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their household registration is located. The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.
2. Loan amount
According to the sum of the actual tuition and accommodation fees, the maximum for undergraduates is 8,000 yuan per academic year, and the maximum for postgraduates is 12000 yuan per academic year. In order to increase the assistance to the students who set up the file card, the students who set up the file card can borrow according to the maximum amount.
3. Loan interest
The interest rate of student-origin credit student loans shall be subject to the benchmark interest rate of the same grade published by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
4. Repayment period and repayment method
In principle, the term of student-origin credit student loan is determined according to the remaining academic system of full-time undergraduate and graduate students plus 13 years, and the longest period is no more than 20 years. Among them, the students in school are determined according to the remaining years of study plus 13 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.
Three years after graduation is a grace period to repay the principal. During the grace period, the borrower only needs to repay the loan interest, but does not need to repay the loan principal. After the grace period, the borrower shall repay the loan principal and interest in installments.