1. Conditions that should be met when applying for a credit student loan from the student’s place of origin

1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by the law.

2. Full-time general undergraduate universities, higher vocational schools and junior colleges (including private universities and independent colleges) that have been approved to establish and implement higher education in accordance with relevant national regulations (including private universities and independent colleges, the list of schools is announced by the Ministry of Education (which shall prevail) formally admitted new students or current students who have obtained a true, legal and valid admission notice.

3. The borrower, *** and the borrower’s household registration before enrollment, and their parents’ (or other legal guardians’) household registrations are all in the county (city, district).

4. The family has financial difficulties and meets one of the following characteristics, and provides corresponding certification materials:

(1) Rural poor households and urban subsistence allowance households (certification materials: Urban and rural low-income households) Guarantee, passbook for receiving subsistence allowance or poverty certificate issued by the township civil affairs office or neighborhood committee).

(2) Families of orphans and disabled people (certification materials: orphan certificate, disability certificate or certificate from the township civil affairs office or street neighborhood committee).

(3) Suffering from natural disasters and man-made disasters, causing heavy losses, and being unable to afford student fees (certificate: certificate from the township civil affairs office, street neighborhood committee).

(4) Family members suffer from serious diseases (certifying materials: diagnosis certificate from a hospital at or above the county level).

(5) The main income creator of the family loses the ability to work for some reason (proof materials: certificate from the township civil affairs office, street neighborhood committee).

(6) Single-parent families without stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).

(7) Families where both or one parent is unemployed (certification materials: certificate from the township civil affairs office, street neighborhood committee).

(8) The total household cash income in the previous year was less than RMB 8,000 (certification materials: certificate from the township civil affairs office, street neighborhood committee).

2. Materials that should be submitted when applying for a credit student loan from the student’s place of origin

1. When applying for a loan, college freshmen must submit the following materials:

(1) "National Development Bank Student Origin Credit Student Loan Application Form" (submit the electronic form copied on the USB disk and 2 original paper copies).

(2) The borrower’s household registration book and valid ID card (show the original and submit 2 copies).

(3) Borrower’s admission notice (present the original and submit 2 copies).

(4) Documents proving family financial difficulties (submit one original and one copy each).

(5) Bank card discount applied for by the borrowing student at the local postal savings office (show the original for verification and submit 2 copies).

2. College students who apply for a loan for the first time must submit the following materials:

(1) The borrower’s household registration book and valid ID card (present the original and submit 2 copies).

(2)*** Same as the borrower’s household registration book and valid ID card (show the original and submit 2 copies).

(3) "Application Form for Recognition of Students with Financial Difficulties in Colleges and Universities" (submit one original and one copy each). #p#subtitle#e#

(4) Documents proving family financial difficulties (submit one original and one copy each).

(5) The bank card discount of the local postal savings bank of the borrowing student (show the original for verification and submit 2 copies).

(6) Borrowing students shall present their student ID cards and submit 2 copies.

3. If it is not the first time for college students to apply for a loan (those who applied for loans in 2008 and 2009 and applied to renew the loan contract in 2010), please submit the following materials:

(1)《 National Development Bank Student Origin Credit Student Loan Application Form" (submit the electronic copy of the USB flash drive and 2 original paper copies).

(2) The borrower’s household registration book and valid ID card (show the original and submit 2 copies).

(3)*** Same as the borrower’s household registration book and valid ID card (show the original and submit 2 copies).

(4) Borrowing students shall present their student ID cards and submit a copy.

Extended information:

There are generally two types of commonly used student loans for college students: national student loans and student credit student loans. National student loans are government-led, fiscally subsidized bank loans operated jointly by banks, education administration departments and university authorities to specifically help students from poor families in universities.

Borrowing students do not need to apply for loan guarantees or mortgages, but they need to promise to repay on time and bear relevant legal responsibilities. Student origin credit student loans refer to student loans issued by the China Development Bank to eligible freshmen and current students of ordinary colleges and universities whose families have financial difficulties and are processed in the county (city, district) where the student's registered residence is before enrollment. Loan funds are mainly used for students to pay tuition and accommodation fees during their studies. Credit-based student loans are an important part of student loans for college students.

Reference: Baidu Encyclopedia-Student Loans for College Students