Question 2: What bank handles student loans? Five points. If you are asking about national student loans, China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank are the four major state-owned banks.
If you are talking about student loans, there are China Development Bank and rural credit cooperatives in some areas.
Question 3: Which bank is the best to apply for a student loan? There are four kinds of student 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. 1.2 application conditions for national student loans (1) Full-time undergraduates (including vocational college students), postgraduates and students with second bachelor's degree from poor families; (2) Having People's Republic of China (PRC) nationality and holding a People's Republic of China (PRC) identity card; (3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); (4) Honest and trustworthy, law-abiding, no illegal behavior; (5) study hard and be able to complete their studies normally; (6) Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. 1.3 national student loan amount The maximum loan amount per student per academic year shall not exceed 6,000 yuan. 1.4 Term of National Student Loan The repayment period of National Student Loan is 6 years, but different banks have different repayment requirements. Some banks also relax the repayment time until after graduation. Even so, some students can't repay the loan on time. Easy Loan China reminds students who have applied for national student loans that if they can't repay in time, their personal credit will be affected, which is a lifelong event. 1.5 how to apply for a national student loan? Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. 1.6 All public full-time colleges and universities that have launched national student loans should actively implement the national student loan policy and jointly handle national student loans 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 instructions in the school enrollment brochure or admission notice. 1.7 national student loan application materials (1) national student loan application; (2) A copy of my student ID card and resident ID card (minors must provide valid identity certificates of legal guardians and written opinions on agreeing to apply for loans); (3) I explain the family's financial difficulties; (4) Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. If you need a loan, recommend Easy Loan China (loanchina/? Pagedashi=xxiaozhang) Loan service can help you solve the problem of financial shortage.
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Another thing to note is that when borrowing money, you must be careful not to be cheated by loan scammers. Before you get the loan, pay attention to whether the loan company charges fees or something. If you meet a loan swindler, you can go to the loan fraud guardian of China Easy Loan, where you can report the swindler to cash out ... >>
Question 4: How to authenticate the student loan Alipay, and which bank card is generally used? You'd better use the bank card issued by that school when you go to school! When AliPay is authenticated, the account name of that bank card must be the lender's name! Otherwise, there will be an authentication error! Thank you. I hope I can help you!
Question 5: What is a student loan? There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to borrow money from 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.
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 * * *, with financial discount, financial and university * * * giving banks some risk compensation, and the bank, education administrative department and university * * * jointly operate to help students from poor families 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 tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.
Question 6: Which bank has no interest on student loans? Theoretically, there is no such bank.
I can tell you the truth: during the period of school (graduate students can postpone it), bank student loans do not charge interest and are subsidized by the state finance. After leaving school, you must pay monthly. The specific amount is calculated according to the loan amount and repayment period you borrowed (excel has a calculation template, which is very simple), and the loan interest rate is generally around 7% (I have paid special attention to it). This interest rate should not be low, but considering the interests of parents.
Personal experience, I hope it will help you!
Question 7: How to borrow a student loan from a bank? Are there any requirements? In June, 1999, the People's Bank of China, the Ministry of Education and the Ministry of Finance jointly formulated the Regulations on the Administration of National Student Loans (for Trial Implementation), and decided to provide national student loans to students from poor families, which will be piloted in Beijing, Shanghai, Tianjin, Chongqing, Wuhan, Shenyang, Xi and Nanjing, and gradually extended when conditions are ripe. After the introduction of this policy, many candidates and their parents are very eager to know the relevant details. The following is an introduction to the loan application conditions, application procedures, recovery methods and current situation.
First, how to apply for a student loan?
1. Application conditions The national student loan is applicable to full-time undergraduate students with real financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macau and Taiwan Province Province). At the same time, students applying for loans should also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no violations; ③ Good academic performance; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ Honesty and trustworthiness; ⑥ Can provide guarantees that meet the requirements of banks; ⑦ Opening current savings business in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.
2. Application Procedures Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be submitted directly to the relevant departments of their schools, and banks do not directly accept students' personal loan applications), receive the National Student Loan Application Form, the National Student Loan Application Commitment and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.
Students applying for loans must also truthfully provide the following materials:
(1) My valid ID card and its copy (minors must provide the valid ID card of the legal guardian and written proof of agreeing to the loan)
(2) provide proof of income of major family members or income obtained through other channels.
(3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income and proof of agreeing to guarantee for the borrower; Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided.
Second, the loan amount and recovery
The amount of student loan is determined according to the following formula: student loan amount = tuition fees charged by the school+basic living expenses stipulated by this Municipality-personal income (including income provided by families, income from social assistance and other aspects). Among them, the amount of tuition loan shall not exceed the tuition fee collection standard of the school where the borrower is located, and the amount of living loan shall not exceed the basic living standard of the school. Due to different tuition fees charged by different schools and different basic living standards in different regions, the maximum amount of student loans is not exactly the same. Under normal circumstances, the annual student loan ceiling is 8000 yuan.
The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by students is subsidized by the state finance, and 50% is borne by the borrowing students.
Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. The order of installment repayment should be that the loan items should be repaid first and sorted one by one. Repayment method is quarterly installment of principal and interest. The repayment time starts from the first year after graduation at the latest and will be paid off within 4 years after graduation. 50% of the loan interest that the borrower should bear shall be paid off with the principal, and the loan interest shall be paid at the same time when the loan principal is returned. Borrowing students can repay the loan principal and interest in advance in one lump sum or in installments after consultation with the handling bank. At the time of repayment, the borrower shall deposit the loan principal and interest into the original current deposit, ....................................................................................................................................................... & gt.
Question 8: How to repay the student loan? Go to the bank online for 20 minutes. Hello! Now I apply for repayment on the student loan website at night. It is best to tell the class teacher, and then go to Alipay to choose loan repayment during the repayment period. As long as the deduction is successful, the repayment is successful. Note that the application date and repayment date are different. The application date is generally in the first half of the year, and the repayment is in the middle. It is best to transfer money on 15- 16.
Question 9: Which bank is the student-origin student loan? Is it different everywhere?
Question 10: Is the student loan applied to the school or the bank? What are the conditions and procedures for application? You can apply for a student loan from the place of origin. In fact, you can apply for a green channel when you get to school. You should have a student loan from your own university.
But I'll tell you the content of the student loan.
Generally speaking, the student source loan is a kind of loan handled by the local education commission around July. In Chongqing, that's it. Well, when we were in the third year of high school, we filled out a list of possible loan families, and then took it to our local civil affairs bureau for stamp, and then gave it to it. Because the student source loan is supported by the state and signed by the education commission.
When you apply, you should bring your household registration book, and your parents should bring one, including your ID card, admission notice, guardian's ID card and a description of your family's financial difficulties. That's basically it, but you'd better bring all the materials you can think of. After you go to the Education Committee, you can do whatever you say there. Applications for this place of origin are rarely linked to banks.
There will be a receipt afterwards, so you should take good care of it. After you go to school, let the school fill out the receipt and stamp it, and then express it to the * * * Committee yourself, and then the contract will take effect and your student loan will come. The student loan came late, and Chongqing basically came at the end of the semester. The maximum amount of the loan you apply for is 6000 yuan a year, but at that time, the people of the Education Commission will fill out the application according to your specific tuition, which is basically as much as the tuition. That's about it.
In fact, what I want to say is that you should not think about these things in the college entrance examination. These things are natural as long as you pay attention. You can pay attention to these with your classmates. What I'm talking about is probably the situation in Chongqing, depending on your specific situation there, but it seems that most of them are like this. Finally, I wish you a little better in the college entrance examination!
Also, study hard after going to college, and a good university scholarship is also expensive. Some students in our class got scholarships of 6000 to 7000 yuan a year. If the family is poor, you can apply for an inspirational scholarship, 6000 yuan a year. If you get good grades, the national scholarship is 8 thousand a year, but the number of places in our school is very limited. Of course, if your family is poor, you can also apply for a grant. Second class 2500. These are all national, and then there will be scholarships from the school. The special scholarship of our school is 2500, and then it will decrease by 500 in turn, which is not very low. In addition to school scholarships, there are also scholarships funded by enterprise groups from all walks of life, and our universities and provinces may also have scholarships. For example, there are excellent college students in Hainan, with a bonus of 4,000 yuan, and scholarships from various enterprises are not low. So come on, we didn't understand the truth until our sophomore year. I hope you don't take detours, study hard at the university, and don't be confused for half a day like we are about to graduate. If you take the college entrance examination, come on.