Students applying for student-origin credit loan must meet the following conditions at the same time: having China nationality; Honest and trustworthy, law-abiding; According to the relevant provisions of the state, the central government approved the establishment and implementation of higher education.
Freshmen, graduate students and students with a second bachelor's degree who have been formally admitted to full-time undergraduate colleges, vocational colleges and junior colleges inside and outside the region and have obtained a true, legal and effective admission notice.
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 directly 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. Establish 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 centers respectively. Before 65438+ on February 20th every year, it 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.