Declaration procedure

loan application

The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his household registration is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:

1. Original and photocopy of the account book of the borrower and co-borrower;

2. The original and photocopy of the ID card (or valid identity certificate) of the borrowing student and co-borrower;

3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of credit student loan issued by the borrower's university.

Contract signing

① The local financial aid center examines the application materials →→→→→→→ The local financial aid center instructs the borrowing students to open a personal account in the handling bank →→→→→→→→ The local financial aid center issues the receipt of the student credit loan contract.

Contract receipt

① Borrowing students bring the contract receipt to the school →→ ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the student's county-level financial aid center → ④ The local financial aid center compiles a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review.

loan origination

① The handling bank will transfer the loan funds to the borrower's personal account→→→→② The loan funds will be transferred from the personal account to the tuition account of the borrower's school.

Change of contract

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of repayment plan can only be carried out within the loan period agreed in the contract, and it shall not be postponed.

Extended data:

(1) loan amount

The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1 1,000 and 8,000. In principle, it is used for students' tuition and accommodation during school. Students who obtained national student loans in colleges and universities in those years may not apply for student-origin credit student loans at the same time.

② loan term

In principle, the loan term is determined by the number of years of full-time undergraduate education (students according to the remaining years of education) plus 10 years, and the longest loan term shall not exceed 14 years. Students begin to repay the loan principal in installments according to the loan contract two years after graduation from the normal academic system.

There is a grace period for students during school and two years after graduation. After the grace period, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to pursue higher degrees (including graduate students and second bachelor's degrees) will correspondingly shorten the time limit for students to pay principal and interest after graduation.

(3) loan interest rate

The benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.

The interest of student-origin credit student loan is calculated on an annual basis, and the repayment date is +65438 on February 20th each year. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is shared by the students and their parents (or other legal guardians).

Discount policy

According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower.

1, interest. The interest of loan students during their school days is all subsidized by the financial department. Among them, students admitted to universities under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.

2. Risk compensation. Set up a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year.

3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the Provincial Student Financial Assistance Management Center respectively. Before February 20th of each year, 65438+ will be allocated in full and on time to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.

Baidu Encyclopedia-Student Source Credit Student Loan