If you are a four-year student, you can wait until four years after graduating from college to repay the student loan.
Student loans, that's it.
Students must apply for loans from the bank through the school, and the bank does not directly accept students' personal loan applications. In principle, the handling bank accepts an application for a national student loan once a year.
The student's source letter was released. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located. The county center is responsible for the final approval of students' applications and the issuance of loans.
What are the requirements for applying for a national student loan? What about student loans?
(1) Undergraduate and graduate students with second bachelor's degree from poor families;
(2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
(3) Honest and trustworthy, law-abiding, no illegal behavior;
(4) study hard and be able to complete their studies normally;
(5) Due to family financial difficulties, it is not enough to pay the basic expenses of study and life during the study period.
The application conditions for student-origin student loans are the same as above, and one item is added:
(6) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district).
Materials required for applying for national student loans:
1. Apply for a national student loan;
2. Copy of my student ID card and ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);
3. I explain the family's financial difficulties;
4 families with financial difficulties identified by the civil affairs departments of townships, towns and streets. The materials provided by the students themselves are true.
5. Bank or school requirements
School preliminary examination
School institutions shall examine the qualifications of the national student loan application materials submitted by students and be responsible for their integrity. The preliminary examination will be completed within 20 working days after receiving the application for student loan.
After this work is completed, publicize and ask.
After the initial examination is correct, the school institution will stamp the student on the approved loan application form within 10 working days, and prepare the student audit information form of the national student loan.
Bank approval
The handling bank shall complete the signing work within working days after receiving the unified submission from the school, and deliver the signed loan contract to the school institution within 5 working days. After receiving the loan contract, the school institution will keep it for the borrower himself.
sign a contract
After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
Sign a contract with the handling bank
The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days.
How to sign a national student loan contract with the handling bank?
After the student loan application is reviewed by the school and approved by the bank, the school will organize students to fill in, sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.
provide a loan
The bank will handle a debit card or current passbook for each student.
The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans every month according to 10.
Second, what happened to the student loan? My classmate has a student loan, which shows the lowest. ...
Hello? You should have done it the next year! How to export without submitting an application? Attention, huh? Do students in Grade Two and above need to change their personal information when renewing their loans? Guangxi's second-year loan needs to be changed because it already has a student number? I wonder what other provinces are like?
Third, what is the loan period of colleges and universities?
The loan period of colleges and universities is from loan to repayment. College student loans generally refer to student loans. As for the loan period of student loans, there are certain restrictions. For example, the longest loan period of student-origin student loans is 20 years, while the national student loans and student-origin student loans are both 20 years.
Moreover, there is a three-year grace period for repaying the principal after graduation, that is, only the interest needs to be repaid within three years, and the principal and interest need to be repaid in the fourth year after graduation.
The student loan itself is a financial discount loan. For loan students, the repayment pressure is not great, and they can generally pay off.
4. What is the meaning of the loan term in the student loan?
The loan term of the student loan refers to the repayment term. For example, college loans are generally limited to 14 years, during which you can repay according to your financial situation.
First, the repayment period of student loans
1. The term of student-origin credit student loan shall be determined in principle according to the full-time undergraduate academic system plus 10 year, and the longest term shall not exceed 14 year.
2. If the academic system exceeds 4 years or you continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.
3. The grace period is two years after the students are in school and graduate. After the grace period is over, students and parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Two. Classification of student loans:
1. There are two main types of student loans, namely, national student loans and student-origin student loans.
2. The longest term of student loans is 20 years, and the grace period for repayment of principal is 5 years. During the grace period, only the interest will be paid, and the principal will not be paid.
3. The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. During the study period, the interest of the national student loan is fully subsidized by the financial department, and after graduation, the interest is paid in full by the loan student himself.
4. Borrowing students can repay part or all of the loan in advance during the loan period, but they must submit a written application to the bank in advance. For the principal repaid in advance, interest shall be charged according to the interest rate agreed in the contract and the actual number of days of use.
Three. Extended information:
According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.
1) Short-term loans have a term of less than one year (three months to six months are temporary loans), which is characterized by short term, low risk and high interest rate. They are usually issued in the form of "loans", which are mainly used to meet the needs of borrowers for short-term funds.
2) The medium-term loan term is more than one year (excluding one year) and less than five years (including five years), which is characterized by long term, high interest rate, poor liquidity and high risk.
3) Long-term loans are loans for more than 5 years (excluding 5 years).