I. Loan amount

Full-time college students (including second bachelor's degree and higher vocational students) and preparatory students shall not exceed 8,000 yuan per person per year, not less than 1 1,000 yuan; Full-time graduate students (including master students and doctoral students) shall not exceed 12000 yuan per person per year, and shall not be less than 1000 yuan.

Second, the loan term.

According to the academic system, 13 years, with a maximum of 20 years.

Three. Purpose of loan

Mainly used for tuition and accommodation.

Four. Application conditions

Student-origin student loans are credit loans. Students and their parents (or other eligible people) are the same borrower, and both parties are responsible for repayment.

Five, borrowing students should also meet the following conditions

1. Honest and trustworthy, law-abiding;

2. Students' pre-school household registration and borrowers' household registration are in our county.

3. Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools, junior colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or undergraduate, graduate and second bachelor's degree students who are studying in colleges and universities.

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

The intransitive verb * * * The borrower shall meet the following conditions:

* * * In principle, the borrower and the borrower should be the borrower's parents; If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers; If the borrower is an orphan, * * * is another legal guardian together with the borrower, or a natural person who voluntarily assumes the repayment responsibility together with the borrower, has full civil capacity and has a local household registration.

If * * * is not the borrower's parents, he must be between 25 and 60 years old. If bad credit information is omitted, * * * is the same as that of the borrower. If there is an outstanding student credit loan (or college student loan) from the Development Bank, the borrower cannot be the same as other borrowers.

Seven. Loan application process

1. The first loan (freshmen and college students who have not applied for college loans): Students who need to borrow money should go to the handling office with * * *. Borrowing students log in to the student online service system () to complete the registration and fill in the basic information of individuals and borrowers, apply for loans, print the application form and sign it (remember their login names and passwords) → Students who pass the pre-application need not fill in the Application Form for Identification of Family Financial Difficulties; Just print the application form and sign it → Students who fail in the pre-application need to fill in the Application Form for Identification of Students with Financial Difficulties from Families → Upload the loan application materials → Bring the loan application materials, apply for a loan at the County Student Aid Center or Youyang No.1 Middle School or Youyang No.3 Middle School or Youyang No.4 Middle School → Review before lending → sign a contract → report to the university with the acceptance certificate, and go to the university before 10.

2. Renewing the loan: the borrowing student or * * * together with the borrower will go to the handling office with relevant materials. Borrowing students log on to the student online service system () and enter the application information → fill in the loan extension statement → print the application form and sign it → upload the loan application materials → take the loan application materials and apply for a loan at the county student aid center or Youyang No.1 Middle School or Youyang No.3 Middle School or Youyang No.4 Middle School → review before lending → sign a contract → report to the university with the acceptance certificate, and enter it in the university before June/KLOC-0.

Eight, loan application materials

(1) Materials for the first loan application (original): Admission notice or student ID card+ID card, household registration book+* * borrower ID card, household registration book+application form+students who fail to apply in advance should also bring the Application Form for Identification of Students from Poor Families.

(II) Application materials for loan renewal: ID card (original ID card of the manager)+application form (if the borrower needs to be changed during loan renewal, the borrower needs to go through the loan renewal formalities with the borrower, and provide the original ID card and household registration book of himself and the borrower).

Nine. Repayment process and method

Normal repayment: between 1 65438+1 October1and 65438+February 20th (the last year is between September1and September 20th), log on to the student online service system (), check the repayment amount → log on to Alipay website, and recharge in the designated account or. Use the "student loan repayment" function to repay, or use the POS machine to brush the debit card to repay or log in to Alipay APP at the nearest county-level funding center or university. On the "Student Loan of China Development Bank" life number, use the "online repayment" function to repay → log in to the student online service system to inquire about the deduction result.

Repayment in advance: You can apply for paying off the student-origin credit loan in advance before August of the graduation year 15, without paying interest. Log on to the student online service system (), apply for prepayment → log on to Alipay website, recharge in the designated account or log on to Alipay website, use the function of "student loan repayment" to repay, or use POS machine to brush debit card to repay at the nearest county-level aid center or university or log on to Alipay APP. On the life number of "National Development Bank Student Loan", use the "online repayment" function to repay → log in to the student online service system to inquire about the deduction result.

Overdue repayment: from June 1 to 1 to October1to October 20th, and from June 1 1 to February 20th, overdue repayment can be made. Students begin to repay interest on September 1 day of graduation year. If 65438 fails to repay in time on February 20th of that year, it will be regarded as loans overdue. The overdue interest will not be compounded, but the overdue principal will be charged with penalty interest at the current interest rate 130%. In case of overdue repayment, overdue principal and interest and corresponding penalty interest shall be repaid. For the specific amount, you can log on to the student online service system to check the amount from June 5438+0 to the 20th of each month → log on to Alipay website, recharge in the designated account or log on to Alipay website, use the "student loan repayment" function to repay, or go to the nearest county-level funding center or university to repay with a debit card or log on to Alipay APP, and use the "online repayment" function to repay on the "student loan of China Development Bank" life number → log on to the student online service system to check the deduction result.

Tips: 1. The government will give preferential treatment to students during their study. September 1 day of graduation year, and bear the interest by yourself. If graduation is postponed for special reasons, such as entering a higher school, dropping out of school, changing majors, performing military service, transferring schools, going abroad, etc. During the loan period, please go to our county financial aid center to change your schooling information in time. If you don't change the school information in time, you must bear the corresponding responsibility.

2. Cherish personal credit and repay on time. Overdue will affect and limit your handling of credit cards, mortgages, car loans, etc. In order to ensure your vital interests, please pay attention to the application guide and repayment guide of the student online service system () at any time.

;