Many students want to know how much college students can borrow in general. The following is a compilation of some related materials, hoping to help students.
How much can college students generally borrow?
The state stipulates that the amount of student loan for each student is between 1000-8000 yuan per year, and the specific loan amount is determined according to the economic level of the students.
College student loan is a loan provided by China United Bank and related universities for college students with relatively poor family economy, which is mainly used to help poor students pay their daily expenses such as tuition and miscellaneous fees.
Is there interest on college students' loans?
There are benefits. However, interest-free during school, interest-free for one-time repayment after graduation, and interest for installment repayment. The longest repayment period of student-origin student loan is longer than that of national student loan.
Student loan interest rate The benchmark interest rate of RMB loan announced by the People's Bank of China is the same when the loan is issued.
There are two kinds of student loans for college students.
National student loans and student-origin student loans. National student loans are handled in schools. It is after the school and the branches of the four major banks (industry, agriculture, commerce and China) where the school is located sign the cooperation agreement between the bank and the school, and the students who need loans at school sign the agreement with the bank. Generally, 6000 yuan is signed every year until graduation, and loans (loans) are granted at one time. The information needed is generally a family economic status appraisal form, ID card, parents' information, etc.
Student-origin student loans are accepted by the district and county funding centers where college students are registered, and the National Development Bank loans. The procedure is similar to the national student loan, but it is signed once a year, and the upper limit is 6000 yuan a year. After graduation, the repayment period is slightly longer than the national student loan.
Can a junior college apply for a loan?
College students can apply for loans and apply for national student loans.
Application conditions
Full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:
(1) Family financial difficulties;
(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;
(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
⑤ Study hard and you can finish your studies normally.
First, to apply for a national student loan, the following materials shall be provided:
1. Copy of the guarantor's household registration book: ① If the guarantor is the head of the household, the first page of the household registration book and the first page of the household registration book need to be copied; (2) If the guarantor is not the head of the household, it is necessary to copy the first page of the household registration book, the first page of the household registration book and the guarantor page, and affix the special seal for local household registration on the guarantor page; ③ If the guarantor is a collective account, he/she must copy his/her page, and the local household registration department shall issue the guarantor's household registration certificate;
2. A copy of the guarantor's valid ID card;
3. Letter of Commitment from the Guarantor agreeing to guarantee (in duplicate): uniform format, clear handwriting and detailed content, signed by the Guarantor himself;
4. Guarantor's income certificate: unified format, requiring the official seal of the guarantor's unit and the official seal of the labor department of the unit;
5. A copy of the applicant's valid ID card and student ID card;
The above copied materials should be clear and tidy, and the paper specifications should be uniform (B5 or 16).
Two. Requirements for filling in the loan application approval form
1. The application form must be filled in with blue or black pen. Requirements to fill in the specification, clear, neat, no alteration, scratches;
2. Fill in the relevant columns: ① Amount of loan applied: fill in the total amount of tuition and living expenses loans within the start and end date of the loan respectively; (Tuition loan does not include accommodation and other expenses, and the standard of living loan is 65,438+00 months per year, with no more than 65,438+056 yuan per month) ② Loan term: the conversion time from the month when the loan is applied for to the repayment of the loan; ③ Start and end date of the loan: September of the year of applying for the loan to July of the year of graduation.
3. Repayment method: ① Repayment by installments; ② Pay off in one lump sum. Choose between the two.
4. The total amount of the loan applied for (the sum of tuition and living expenses loans) should be consistent with the total amount that the guarantor is willing to guarantee (item 39);
5. The relevant contents of the guarantor (item 16-39) shall be true and specific, and there shall be no blank. And signed by the guarantor himself.
Third, preliminary consideration
All departments should carefully and strictly review the application materials for student loans. Review should generally pay attention to the following aspects:
1. Whether the information provided is standardized and complete;
2. Whether the copy is clear and tidy;
3. Whether the application form is standardized, whether there are any missing items, wrong items, altered or scratched marks;
4. Whether the guarantor meets the requirements (the guarantor must have full capacity for civil conduct, be over 25 years old, have a proper job and a stable income, with a monthly income above 600 yuan). Over 60 years old or retired, temporary workers can not guarantee);
5. Whether there is a guarantor's signature in the letter of commitment and loan application form;
6. Whether the total loan amount applied (the sum of tuition and living expenses loans) is consistent with the amount that 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 household registration book;
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 the applicant are valid within the loan period.
Fourth, others.
1. Colleges and departments should be strict with students who want to apply for loans. Generally, it requires good performance in school, excellent academic performance and financial difficulties.
2. Each application material shall be packaged in a large envelope, and the specialty, category and name of the applicant shall be indicated on the envelope;
3. All colleges and systems 1 send the application materials that have passed the preliminary examination to the Student Affairs Office with a list of students applying for loans (including major, class, name, tuition loan amount, living expenses loan amount, loan period, etc.). ).
4. For the students who have passed the school examination, a guarantee contract will be issued, and the application materials will be sent to the handling bank for examination and approval by the school after completion.
Can a junior college apply for a loan?
You can apply for a national student loan in your country of origin, with a maximum loan of 12000. You can apply online from CDB, and then it seems that you can give a receipt to the school. This account needs to be bound to Alipay, and then the bank will help you pay your tuition through Alipay, and then you can repay it through Alipay. You can log in to CDB's student online system () to fill in the application information online and download and print the application form. Students who fail the pre-application need to provide an application form for identifying family financial difficulties, and students who pass the pre-application need not fill it out. Then, you need to bring your ID card, student ID card or admission notice, household registration book, application form, identification certificate and other materials, as well as the borrower's ID card (origin), and go to the county-level financial aid management department to apply for a loan with the borrower. Your teacher will also tell you in detail.
What are the requirements for college students' loans?
College student loan requirements:
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) needed to complete their studies.
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.
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.
Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation.
On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
How much can college students borrow?
College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees.
1. application time and deadline: consult the local funding center. Time varies from place to place.
2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.
3. Application materials: Take the application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of the borrower (origin), and go to the county-level financial aid center with the borrower to apply for a loan.
4. Renewing the loan: I or * * * and any borrower can go to the county rescue center to renew the loan with my ID card and the application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.
Extended data:
Measures of China People's Bank for the Administration of Student Loans:
Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.
Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.
Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.
Article 9 The repayment method of student loans is flexible, which can be repaid in advance, the interest can be paid off together with the principal, and the repayment can be made in installments (year, quarter and month). The specific method shall be agreed by the lender and the borrower and specified in the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.
Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be agreed by the school where the lender or borrower is located and the discount party.
Article 11 A borrower shall abide by his credit. If you drop out of school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.
Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.