The specific process is as follows:
1. First of all, we need to apply for a national student loan from the school. We can fill in the application materials online through the information system of student-origin credit student loan of China Development Bank, and export and print them after completion; You can also receive a paper application for the national student loan from the school and fill in the application materials as required;
2. To provide the school with the application form for student-origin student loan after the village committee and the civil affairs department of the township street affix their official seals, and provide valid identity documents, household registration books and other materials;
3. The school will conduct qualification examination after receiving our loan application materials;
4. After the examination and approval, students and borrowers need to bring relevant materials, go through the formalities of student loans in relevant departments, sign loan contracts, and then wait for loans from loan banks.
What should I pay attention to when applying for a student loan?
1. Two kinds of loans cannot be applied at the same time.
According to the policy, students who have applied for national student loans can no longer apply for student-origin student loans, which means they can only apply for one of the two kinds of loans.
2. There is a difference between the national student loan and the student-origin student loan.
Although both the national student loan and the student-origin student loan are used to solve the tuition and accommodation problems of poor students, the loan interest rate is implemented according to the benchmark interest rate of loans of the same grade announced by the central bank for the same period and does not rise. Students do not need to pay interest during their normal schooling, but are subsidized by the government. However, there are still some differences between them:
(1) The application location is different.
The national student loan requires students to apply in their universities after the start of school; Student-origin student loans require borrowing students to go to the student financial assistance management center where their household registration is located.
(2) The application time is different.
National student loans are generally handled after the start of school in September; Student-origin student loan means that the borrower can log in to the student online service system to apply after receiving the admission notice, but the specific starting and ending time varies from place to place in the student financial assistance management center, and the borrower needs to consult the local student financial assistance management center.
(3) the loan term is different
The term of the national student loan shall not exceed 6 years after graduation in principle; In principle, student-origin student loans are determined according to the academic system plus 10 years, and the longest loan can reach 14 years.
3. After obtaining the loan, you must repay it in full and on time to avoid the following bad credit records, which will affect the application for mortgage, car loan and credit card in the future;
4. The national student loan interest rate is implemented according to the benchmark loan interest rate issued by the central bank in the same period, and does not rise;
5. Borrowing students do not need to pay interest during their normal school days, but need to pay interest themselves after graduation;
6. If the borrower wants to repay the loan in advance, he can only choose to pay off the loan in advance in one lump sum. Partial repayment in advance is not supported at present.
What is the process of student loan for college students?
If you are a freshman and apply for a student loan for the first time, it is recommended that you apply on the spot. Bring your admission notice or student ID card, ID card, household registration book and a fellow borrower. * * * The borrower must be at least 18 years old. He can be your parents or relatives, and go to the rescue center in your city or county. * * * requires the borrower to have a local household registration, and at the same time * * * the borrower should also bring the household registration book and ID card. The on-site handling process is simple, and only the loan steps need to be completed according to the guidance of the staff.
Now you can also apply online. For the first time, it is recommended to apply on site, because it may be a bit troublesome for you to do it yourself. If you renew your loan, you can go to official website and China Development Bank for student loans. Click on the source of students and follow the prompts step by step.
How to apply for a student loan
How to apply for a student loan? 1, apply for a student loan from the school; 2. Fill in the student loan application form; 3. Submit the application form and related materials to the school; 4. These materials will be transferred to the bank after being audited by the school; After the bank informs, the bank can sign a contract and get a student loan.
Poor college students who meet the relevant conditions can apply for student loans to provide living expenses. There are still many poor students in our country. In order to let more students learn something and not give up their studies because they are poor, the state advocates student loans, which are usually paid back slowly after graduation. Of course, if it is overdue, they will also receive a letter of credit at the meeting. Next, I will tell you how to apply for a student loan.
1, national student loan application process
(1) Apply for a student loan from the school.
(2) Get the student loan application form and fill it out.
(3) Fill it out and submit it to the school, and attach relevant materials: student ID card, copy of ID card, family description, proof of family difficulties, etc.
(4) Waiting for the approval of schools and banks. After the approval, you can sign a contract and apply for a student loan.
How to apply for a college student loan? What materials are needed?
College students need to apply to the loan bank where the school is located, or you can contact the school to apply for a loan. The materials required for the application are as follows:
1. The borrower and the original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or armed police card as valid documents).
2. Admission notice or student ID card. For freshmen, the original and photocopy of the admission notice, and for students, the original and photocopy of the student ID card.
3. Loan certificate issued by the university.
When applying for student loans, in order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student loan contracts should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time. When renewing the loan and signing the contract, the borrower or the borrower can handle it with the power of attorney. * * * 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.
University student loan process
First, the conditions to be met:
1, junior college students (including higher vocational students), second bachelor's degree students, graduate students with financial difficulties;
2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;
3. Have 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 your studies normally;
6. Due to the family's financial difficulties, the funds that my family and I can raise are not enough to pay for their basic expenses of study and life during their study.
7. To apply for a student-origin student loan, the application conditions are the same as above, and one item is added: the student's pre-school household registration and his/her parents' (or other legal guardians') household registration are all in the county (city, district).
Second, the materials to be provided:
1, national student loan application;
2. Copy of my student ID card and 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, township, town, street civil affairs departments and county education administrative departments to identify their family financial difficulties. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
5. Other supporting documents and materials required by the bank or school.
Three. Bank approval:
The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
Four, the signing of the national student loan contract:
1. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the roster of borrowing students provided by the handling bank, and submit them to the handling bank.
2. After signing the contract with the handling bank, the handling bank will complete the signing within 15 working days after receiving the loan contract and the iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days.
Verb (abbreviation for verb) After the loan is issued:
The bank will handle a debit card or current passbook for each student. The school is responsible for supervising the use of student loans, and the handling bank can learn about the issuance and use of loans from the school.
Extended data:
First of all, the difference between student-origin student loans and national student loans.
1. Students or their legal guardians apply to rural credit cooperatives, banks and other financial institutions where their families are located. There is no need for guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.
2. In a big way, the subsidized student loans are all national student loans. The student loan applied for in colleges and universities is called college student loan, and the student loan applied for by the bank where the household registration is located is called student loan.
There is not much difference between them. In the end, it is to help students from poor families solve their tuition and accommodation expenses. You can apply before and after school. Students admitted to colleges and universities in this province mainly recommend student loans.
According to the relevant regulations, in principle, the maximum per person per academic year is no more than 6000 yuan.
Second, the repayment period of the national student loan:
Loan students should start to repay the loan principal within 1-2 years after graduation and pay off the loan principal and interest within 6 years. The state encourages loan students with good income after graduation to pay off the loan principal and interest in advance. The loan contract signed before August 2004 (including graduate repayment agreement) generally stipulates that the loan student will pay off the loan principal and interest within four years after graduation.
Three, the national student loan interest rate:
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. In case of interest rate adjustment, it shall be implemented in accordance with the relevant provisions of the People's Bank of China. The same is true of student loans.