Precautions:

Remember to bring the notice.

List of tuition standards.

You'd better bring a black pen and a household registration book.

Ask the bank, account name and account number of the school.

Brief introduction of student-origin credit student loan;

Refers to the national development bank and other financial institutions to meet the conditions of college freshmen and students with financial difficulties (hereinafter referred to as students) to issue student loans. Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The students and their parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment.

I. Application conditions

Have People's Republic of China (PRC) nationality;

Honest and trustworthy, law-abiding;

According to the relevant provisions of the state, full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) that have been approved to set up higher education and obtained true, legal and effective admission notices, or freshmen, postgraduates and second bachelor's degree students studying in colleges and universities;

Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);

The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies at school.

Second, the processing program

Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.

Third, the loan amount.

The loan amount applied by the borrower for each academic year shall not exceed 8,000 yuan in principle.

Fourth, loan interest.

The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is shared by the students and their parents (or other legal guardians).

Verb (abbreviation of verb) repayment period and repayment method

In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.