2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card;
3. Have full capacity for civil conduct;
4. Honest and trustworthy, law-abiding, no illegal behavior;
5. study hard and be able to complete your studies normally;
6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.
A few days before the start of the new semester, students need the following information to go directly to the window where their school specializes in student loans:
1. Apply for a national student loan;
2. Copy of student ID card, ID card/household registration book (minors must provide valid identity certificate of legal guardian and written statement agreeing to apply for loan);
3 by the township or street civil affairs departments to verify and confirm the "higher school students and family situation questionnaire".
4. The general student loan amount is between 1000-6000, and each school requires students to pay it off six years after graduation according to their own situation. The interest generated shall be borne by the students and the state 50% respectively. When handling, you should fill in the "Application Form for National Student Loan", "Commitment Letter for National Student Loan" and the supporting materials provided by the street or administrative village.
5. After being audited by the relevant departments of the school, students can go to the designated bank with relevant materials approved by the school and sign relevant loan contracts with the bank.
6. When signing the contract, you should read it clearly. There are various repayment methods on it, which are usually paid off within six years at most. If the repayment period is up, you can apply to the bank, but the state will no longer bear the corresponding interest subsidy in the next period.
legal ground
Measures of China People's Bank for the Administration of Student Loans
Article 4 To apply for student loans, college students must meet the following basic conditions: admission notice or student ID card and valid resident ID card; At the same time, two students or teachers should provide identification.
Article 5 Students in institutions of higher learning who apply for student-origin student loans shall fill in the loan contract in accordance with the provisions, promise to provide the lender with their work units and communication methods after leaving school, and promise not to repay loans overdue for one year, and fail to propose an extension. Lenders can publish their names and ID numbers in institutions of higher learning or related media for enquiry.
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.