Generally, the time for granting student loans will be in June 5438+065438+ 10. Students can submit student loans after entering the school, and then the school will review them, including schools and banks; After the approval, the school will organize students to sign a loan contract, and it usually takes 20 working days to get the loan after the contract is signed. Since the loan was submitted in September, it will not be released until June 5438+065438+ 10 at the earliest.
When applying for a student loan, it is generally necessary to submit an application for a student loan, a copy of a student ID card and a resident ID card, and a description of the family's financial difficulties. If the borrower is a minor, it must have the written consent of the guardian, and finally there are other regulations of the bank.
Students applying for student loans must be full-time undergraduates, junior college students (including higher vocational students), graduate students and students from poor families who are studying for a second bachelor's degree. Students who do not meet these conditions cannot apply.
After applying for a student loan, students will not generate any interest during their school days, but they need to repay in time after graduation. After graduation, bank accountants charge interest, and failure to repay in time will have a bad influence, especially if personal overdue records are uploaded to the credit information center, and loans from banks will be rejected again.
Loan amount and purpose
Full-time college students (including second bachelor's degree, higher vocational college, preparatory college students): the loan amount applied for by each person per year shall not exceed 8,000 yuan, not less than 1 1,000 yuan; If the sum of annual tuition and accommodation fees is less than 8,000 yuan, the loan amount shall be determined according to the sum of tuition and accommodation fees; If the sum of annual tuition and accommodation fees is higher than 8,000 yuan, it shall be determined according to 8,000 yuan.
Full-time graduate students: the amount of loan each person applies for each year shall not exceed 1.2 million yuan, and shall not be less than 1.0 million yuan; The purpose of the loan is the same as that of full-time college students.
The interest of students during their study period is fully subsidized by the finance.
Students who did not continue their degree in the year of graduation only need to repay the interest within a grace period of five years. If the remaining repayment period of students after graduation is less than 5 years, they will be repaid according to the repayment plan agreed in the loan contract. After graduation, students who continue to pursue their degrees during the repayment period should apply to the county-level financial aid center in time and provide written proof. After passing the examination, they can continue to enjoy interest concessions and a five-year grace period for repayment of the principal. The maturity date of the loan remains unchanged.