I. Application materials for applying for student loans:

1. Apply for a national student loan;

2. Copy of my student ID card and resident 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. Proof of family financial difficulties issued by the relevant department where the student's family is located. Students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them;

5. Other information required by the bank.

Second, can the student loan be stopped halfway?

Yes, after students apply for student loans, if they want to apply for loan suspension, they need to submit an application for loan suspension to the bank, and the loan can be cancelled after signing a loan suspension contract. Generally speaking, student-origin student loans are one-year loans. Students can stop lending after one year, continue lending for three years, or stop lending halfway. The specific loan term can be decided according to individual circumstances.

Three. Loan issuance and repayment methods:

1, the student loan is issued in the form of one application and annual payment. According to the loan plan agreed in the loan contract, the loan bank will transfer the loan to the "special account for student loan management funds" of the school, and the rest will be transferred to the corresponding student life account after the school withdraws the student fees and accommodation fees payable by the lender from the special account.

2. The principal of the student loan shall be repaid in installments according to the repayment period agreed in the loan contract. The lender may repay part or all of the loan in advance to the loan bank at any time. The part returned in advance shall be charged with interest according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.

3. The student loan interest shall be settled annually, excluding compound interest. Within the loan period specified above, the municipal finance will give 50% discount, and the remaining 50% will be paid by the lender.

Extended data:

Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable.

Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online loan repayment in 2006-2008 school year is school code+student ID number, and the password is 8 birthday; The login name and password of online loan repayment in 2009 and beyond are the login names and passwords when students apply for loans.