Current location - Loan Platform Complete Network - Loan intermediary - What's the difference between student-origin loan and college student loan?
What's the difference between student-origin loan and college student loan?
The difference between student-origin student loans and university student loans.

First, the meaning is different.

1, the national student loan is a bank loan led by the government, subsidized by the government, and jointly issued by banks and education departments, without specifying which bank will issue the loan.

2. Student-origin student loan refers to the student-origin student loan issued by China Development Bank, which is an important part of the national student loan.

Second, the application is different.

1. Applicants for national student loans are domestic full-time undergraduates, junior college students (including higher vocational students), graduate students and students with second bachelor's degrees.

2. Applicants for student-origin student loans are poor students from provinces and cities that have started student-origin student loans.

Third, the loan period is different.

1, the longest loan period of national student loans shall not exceed 10 years.

2. The longest loan period of student-origin student loans shall not exceed 14 years.

Fourth, the guarantee methods are different.

1, the national student loan is a credit loan, and the borrower does not need a guarantee.

2. Student-based student loans Students and their parents form a student-based student loan. Like the lender, they need proof of guarantor or effective asset mortgage and credit user evaluation.

Five, the application materials are different

1. National student loan materials include poverty certificate, copies of ID cards of two college witness teachers, and copies of student ID cards (old students should also provide copies of student ID cards).

2. Student-origin student loan materials include poverty certificate, admission notice, school payment notice, payment card, applicant's ID card, household registration book, marriage certificate, guarantor or valid asset mortgage certificate, letter user evaluation, etc.

Extended data:

First, the bid for the national student loan materials

1. Copy of the borrower's ID card, student ID card or admission notice.

2, the original family economic situation questionnaire (personal page)

3. Minors applying for loans must provide the written consent of their legal guardians.

4. Copy of parents' household registration book (card)

5. Copy of parents' ID card

6. The national student loan application written and signed by the student himself.

Second, the conditions for applying for student loans

1, China nationality.

2, honest and trustworthy, law-abiding.

3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and junior colleges that are approved to set up higher education have obtained a true, legal and effective admission notice.

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district).

The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

Baidu Encyclopedia-Student Source Credit Student Loan

Baidu encyclopedia-national student loan

Baidu Encyclopedia-National Student Loan in Colleges and Universities