Of course. Different student loan requirements are different. If it is a foreign student loan, it depends on who your * * * borrower is. It is ok for the * * * borrower to be a parent, the lender's father to sign a * * * student loan specialist project, and the lender's mother to sign a * * * student loan undergraduate project. If parents lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other close relatives can be regarded as * * * borrowers.
Can I apply for a student loan without telling my parents?
Students cannot apply for a student loan without telling their parents. Student loans need to be signed by parents. If a student applies for a student loan for the first time, one of their parents needs to apply for a loan with the student. If the loan is renewed, only one student or parent is needed to handle the process. The above is about not telling parents to apply for a student loan.
What are the repayment methods of national student loans?
1. Normal repayment: users repay according to the contract content and repayment agreement after graduation. Every year, after10.20, 165438+ log in to the student system of student-origin student loan of China Development Bank to inquire about the principal and interest to be repaid in the current year, and then deposit the property in full into the third-party account that handled the loan at that time before June 65438+February/kloc-0.5, and the bank will issue the loan at that time.
2. Repayment in advance: Users can repay student loans in advance. Users can definitely apply for early repayment before June 1 to June 10 every year, and deposit the corresponding assets into the repayment account before June 15 of that month. The bank will deduct the fee on the 20th.
Is there a conflict between student loans and grants?
There is no conflict between grants and student loans. Students from poor families can apply for grants and student loans. Poor students clearly apply to the school and submit the application form. The school will identify the poverty level of students and organize verification. After the selection, the school will submit the list and materials to the Provincial Education Bureau, and issue state grants after approval. Generally, there are two or three levels of funding, and the amount is generally within 1500 RMB to 4,000 RMB, with an average of 3,000 RMB per year. If a student's family income can't afford the tuition and accommodation fees required during his or her stay at school, he or she can also apply for a student loan, either directly through the student financial assistance center of the school or through the student financial assistance management unit of the education bureau where the household registration is located. The amount of student loans does not exceed 8,000 yuan per person per year. This article is mainly about the knowledge of not telling parents whether they can apply for a student loan. The content is for reference only.
How do college students apply for student loans?
First log on to the website of China Development Bank, which is usually in the admission notice, then fill in personal information to apply for a loan, download and print out the information, and fill in the family poverty identification form. It's best to bring a form and let the Education Bureau write with you to avoid mistakes and submit all the required materials. After waiting for a week or so, you can try to log in the specified account and password on Alipay. Alipay's designated account is on the loan contract, and the login password and payment password are on the acceptance certificate. When submitting the tuition and accommodation fees of the school, it is necessary to open a green channel in official website and submit an application for deferred tuition and accommodation fees for student loans. Background audit also takes some time, so be patient. We applied for the green channel because the loan hasn't arrived yet. When you enter the school after the start of school, you will choose the green channel to report, explain the situation to teachers everywhere, hand in the receipt and wait for the loan to arrive.
Does the student loan have to be accompanied by parents? Can't you go through the formalities yourself?
You need a * * * to go through the relevant formalities with the borrower, and you can't go alone.
* * * In principle, the borrower is the parent or legal guardian of the borrower, and the household registration before enrollment must be consistent with the borrower's own household registration; * * * If the borrower is not a parent, he must be between 25 and 60 years old. If the borrower is over 60 years old, please change the borrower.
Materials required for the first application for student-origin student loan:
An application form stamped with the official seal, the borrower's and my ID card, the college admission notice (students holding student ID cards) and a copy of the above materials; I and the * * * borrower only need to show their household registration books, and do not need a copy.
Other materials that need to be provided by the funding center. From 20 1 1, students only need to go to the university financial aid center to handle the electronic receipt online, instead of mailing the paper receipt.
Materials required for re-applying for student-origin credit student loan:
A copy of my signed application form and student ID card. If the borrower or the borrower can't come to the acceptance site, the other party can apply with the power of attorney (20 1 1 new contract is unnecessary). A certificate issued by the university funding department that I have not applied for a national student loan in a university.
Extended data:
According to the Measures for the Administration of Commercial Student Loans:
Article 16 A borrower may apply for a commercial student loan directly from the lender in the place of origin, that is, apply for a student loan, or apply for a commercial student loan in the place where the school is located, that is, apply for a student loan; However, the lender shall not accept the borrower's repeated application for loans in his place of origin and place of study.
Article 17 When accepting a borrower's application for a commercial student loan, the lender shall require the other party to submit a written loan application, fill in the relevant application form, and submit the following documents, certificates and materials:
(1) The borrower's legal identity certificate (including the original ID card, household registration book or other valid residence certificate), and provide a copy of the above-mentioned certificate;
(2) Proof of the relationship between the borrower and its legal representative as required by the lender;
(3) proof of the economic income of the borrower or his family members;
(four) the borrower provides the admission notice or the admission notice of the school for the freshmen, and the borrower provides the student ID card or other proof of school status if he is already at school;
(5) Relevant materials on the total amount of tuition, accommodation and living expenses required by the borrower during his study at school;
(VI) If the real estate is used as mortgage (pledge), the mortgage (pledge) certificate and the commitment letter signed by the owner (including the real estate owner) shall be provided, and the collateral shall be submitted with the value evaluation report issued by the institution recognized by the lender.
The pledge shall provide a certificate of rights, and if it is guaranteed by a third party, a written document and relevant credit certification materials that the guarantor agrees to undertake irrevocable joint liability guarantee shall be issued;
(seven) the borrower and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit information;
(8) Other supporting documents and materials required by the lender.
Article 18 After accepting the loan application, the lender shall investigate and verify the information provided by the borrower.
Article 19 Where a borrower applies for a loan at his school, the lender shall also contact the borrower's school as an introducer to do the following work:
(1) Recommend the borrower to the lender, and conduct preliminary examination on the borrower's qualifications and application materials.
(two) to assist the lender to supervise the use of loans.
(3) Inform the lender of the borrower's disappearance, death or loss of full capacity for civil conduct or labor in time, as well as the occurrence of suspension, transfer, study abroad or settlement, voluntary withdrawal, expulsion, etc. And assist the lender to take corresponding measures to protect the creditor's rights.
(4) Before the borrower graduates, provide the lender with relevant information such as graduation destination, name of employment unit, residential address, contact telephone number, etc.
(five) to assist the borrower to carry out credit education and loan repayment publicity, and explain the procedures and methods of loan repayment; Assist the lender to confirm the borrower's repayment and collect the loan.
Article 20 The lender shall examine and approve the loan according to the borrower's credit standing, loan purpose, guarantee and other factors. After the loan is approved, the lender shall promptly notify the borrower and the guarantor to sign the loan contract and guarantee contract related to the student loan, and go through the relevant formalities such as mortgage (pledge) registration according to the relevant requirements.
Article 21 The lender shall transfer the loan into the personal settlement account opened by the borrower in the bank or the account designated by the borrower's school according to the contract, and the lender shall supervise the use.
Article 22 The lender shall require the borrower to use the loan as agreed in the contract. In violation of the loan contract, the lender has the right to stop issuing loans and recover part or all of the loans in advance. Interest will be charged according to the relevant regulations of the People's Bank of China for the part of the loan that is not used according to the purpose agreed in this contract.
Article 23 The borrower and the borrower shall clearly stipulate the repayment method and repayment plan in the loan contract. The lender may grant the borrower a certain grace period according to the situation, during which the principal will not be repaid, or capitalize the interest generated during the school period according to the borrower's difficulty. The borrower began to repay the loan the next month after leaving school. The loan can be repaid monthly, quarterly or annually, and the interest can be paid off together with the principal, or it can be paid off in one lump sum when the loan expires.
Twenty-fourth after the signing of the loan contract, if it is necessary to change the repayment method, it must obtain the consent of the lender in advance.
Article 25 The lender may require the borrower to authorize the lender in the loan contract to directly deduct the repayable principal and interest from the personal settlement account opened by the borrower in our bank on the agreed repayment date.
Article 26 After the loan contract comes into effect, the borrower may repay part or all of the loan in advance as agreed in the contract, and the lender may not charge extra fees or in disguised form.
Article 27 If the borrower fails to repay the loan principal on schedule within the time limit stipulated in this contract, it shall apply to the lender for an extension in advance, with one extension. After the application is approved by the lender, the borrower and the lender shall sign an extension agreement. If the loan is secured, the extension agreement shall be confirmed in writing by the guarantor.
Article 28 Where a loan contract needs to be changed, it must be agreed by both borrowers and borrowers through consultation, and a change agreement shall be signed according to law. Where a third party's guarantee is involved, the change clause shall also be agreed by the third party's guarantor. Before the agreement is reached, the original loan contract is still valid.
Article 29 The lender shall require the borrower to notify the lender of the changed contact information, work unit or residence within 30 days after changing the contact information, work unit or residence.
Thirtieth borrowers and guarantors default during the loan period, the lender may, according to the loan contract:
(a) to require a deadline to correct the breach of contract;
(two) to increase the corresponding value of the collateral (pledge), or to replace the guarantor;
(3) Stop issuing unused loans;
(4) On the basis of the original loan interest rate;
(five) to recover part or all of the loan principal and interest in advance;
(6) the right of recourse against the guarantor;
(seven) according to the relevant laws and regulations to dispose of the mortgaged (pledged) things;
(eight) apply to the arbitration organ for arbitration or bring a lawsuit to the people's court.