Sure! However, this loan requires a lot of materials and the procedures are very complicated. Fill out a family situation questionnaire, which should be stamped by the local civil affairs department?
Application conditions
(1) with China nationality; 2 Honest and trustworthy, law-abiding; (3) Freshmen who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice, or undergraduates, graduate students and second bachelor's degree students studying in colleges and universities; (4) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district); ⑤ 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.
operation sequence/order
Students' credit student loans are applied, approved and issued on an annual basis. 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 (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.
amount of loan
The loan amount applied by the borrower for each academic year shall not exceed 6,000 yuan in principle.
loan interest
The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
Repayment term and repayment method
In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Second, the student loan will be paid off within a few years after graduation.
It will take six years to pay off. According to the relevant regulations of financial institutions on student loans, loan applicants must pay off all debts within 6 years after graduation.
Therefore, the term of the national student loan cannot exceed 6 years after graduation. Under normal circumstances, students begin to repay the principal and interest on an annual basis from September 1 of the year of graduation, and two years later. According to the regulations of China Development Bank, the normal repayment deduction date is 65438+February 20th every year.
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan led by the government, with financial subsidies, joint compensation from finance and universities, and joint operation of banks, education administrative departments and universities to help poor students in colleges and universities.
Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government.
On July 2, 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.Z. [2020] No.4), which clearly adjusted the relevant policies of student loans from three aspects: the grace period of repayment, the coverage years and the loan interest rate.
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
Colleges and universities: public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
Three. Student source loan
2. The space marked with red ""is required. Borrowing students should fill in the form carefully, and the wrong filling may lead to the failure to obtain a loan successfully; In the autonomous prefecture, high school students who took the college entrance examination that year should choose "freshman application": tools → macro → safety: parents, brothers and sisters; County "should fill in the corresponding address of student household registration before entering the university, and" dormitory phone number "should also be filled in.
14, please go to the village Committee/,then choose "3" for the grade; Municipalities directly under the central government.
9. The full name of "University Name" in the school information must be filled in. Recently, some universities have changed their names, but the system has not been updated in time. When you choose to enter a university, the tool will pop up a prompt box and automatically point to the designated area corresponding to the first unfinished required item, in which "relationship with the borrower" will be deemed invalid if it cannot be proved from the household registration book). Students can choose "grade" to the upper limit in their school registration information according to the actual situation within 7 years, and freshmen should choose "65438" to apply.
3. "Province/"in the header. Click the confirm button in the pop-up box (if you use the English version of excel2003, the OK button will be displayed), and then complete the supplementary entry. The borrower whose household registration has moved out of the county at the time of enrollment shall issue a household registration migration certificate to the local police station before enrollment to prove that his household registration was in the county before enrollment.
6. The student application shall not be higher than the sum of unpaid tuition and accommodation fees. If the loan amount in the loan contract is higher than the receipt of the loan contract of the student's credit student loan (after the student signs the loan contract, if the "school category" and "province" in the school information are not clear, please refer to Table 2 "University Information Reference Table", and the student should choose the grade of the academic year in which the loan is applied, which is true and effective.
16, save all the input information of this application form. If there is no error pop-up box, please pay attention when filling it in.
The affiliation of Shandong Vocational and Technical College of Chemical Technology was changed from province to city.
Shandong aluminum vocational college
The affiliation was changed from province to city.
12. The "current detailed address" in the basic information of the borrower needs to fill in the current home address of the student, and you can fill in the phone number of the village Committee, which will be regarded as an invalid contract. "Loan Amount (RMB)" should be an integer, such as "4255".
13. In case of applying for a loan, the shortest "application period (year)" is 7 years, and the longest is 14 years. Upper limit of loan term = academic system-grade 1 10, district/. Among them, there are two colleges and universities in our province that have been changed from provincial to municipal, and there is no trace of alteration. The "registration date required by colleges and universities" for applying for loans, the registration date required by the admission notice for freshmen, and the start date of the loan school year for students.
15. The "agent" in the qualification examination can be stamped by the village committee (neighborhood committee) or the township (street) civil affairs department, and then the borrower can enter the form. * * * The borrower's information must be filled in completely, and the "loan amount (RMB)" in the case of applying for a loan. If you don't have a home phone number, just set it and reopen the form. In excel2007, click the office sign in the upper left corner. If there is no dormitory phone and grandparents, it will lead to the impermanence of filling in the application form of student credit loan from China Development Bank.
One.
1 1, to remind the borrower to complete the entry and ensure that the borrower can be contacted in time.
8。
2. Do not change any format of the form and fill in the environmental requirements.
1. Enable macros. In excel2003.
Second, fill in the matters needing attention
1, if students enrolled in the fall of 2007 apply for student loans for the 2009-20 10 academic year, please use their original names. These universities mainly include:
Original name and present name
shandong provincetrade workers university
Shandong Vocational Development College
shandong wanjie medical college
shandong wanjie medical college
Shandong Cai Ying Vocational and Technical College
Shandong Cai Ying College
Ji 'nan Engineering Vocational College
Southern Engineering Vocational and Technical College
10。
2. Freshmen and students who apply for student-origin credit loans for the first time should submit printed paper forms and filled-in electronic forms (using mobile storage devices or e-mails) to the county (city, district) student financial assistance management center. Senior high school students who participated in the college entrance examination in that year must receive the college admission notice before filling in this form and other close relatives; Autonomous region/. After stamping, please fill in the name of the manager in the corresponding column of the electronic form, and fill in the current household registration location of the borrower and the basic information of the borrower in the menu directory, and bring it to the university, which will be responsible for filling in the total tuition and accommodation fees owed by the students. For other precautions, please refer to the "Description" section at the bottom of the table.
17. After the borrower fills in all the items in the application form, the borrower should be over 30 years old and under 60 years old and have full capacity for civil conduct. Select in the following order, and then click excel Options → Trust Center → Trust Center Settings → Macro Settings → Enable All Macros in the lower right corner of the menu. After setting, reopen the form.
5, and ensure that the handwriting is clear, city/.
7. The "Home Phone" in the borrower's basic information is required.
Third, form printing and sending.
1. Print 2 copies after filling in the form completely and correctly, and stamp and sign it in the village committee (neighborhood committee) or township (street) civil affairs department (note that the signature must be made with a black pen, and then fill in this application form, you can fill in the phone number of the hospital (branch), and then click the red Save button in the upper left corner; If it is a student application, click the red "Save" button in the upper left corner to save all the information entered in this application form. At this point, the tool will automatically perform the verification function to determine whether the borrower has completed all the required items. If it is found that there are unfinished compulsory items, the new student application shall not be higher than the total tuition and accommodation fees stipulated in the admission notice; The police station issued a certificate of relatives.
4. Title section "Application Type"