First, the National Development Bank student credit loan policy
1. What is a student credit loan?
A: Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible freshmen and students with financial difficulties, and registered in the local flag area before the students enter school. Student loan is a credit loan, which does not need guarantee and mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
2. Which students can apply for student-origin credit loan?
A: The loan targets are undergraduates, postgraduates and second-degree students in full-time undergraduate colleges, higher vocational schools and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).
3. What are the conditions for applying for a student-origin credit student loan?
Answer: (1) Conditions that students must meet at the same time:
1 has China nationality;
2 Honest and trustworthy, law-abiding;
3. Freshmen who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and institutions of higher learning in the central and regional areas that have been approved to set up and implement higher education according to relevant state regulations, and have obtained a true, legal and effective admission notice, or undergraduates, graduate students and second bachelor's degree students studying in institutions of higher learning;
4 students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district);
The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.
(2) Students' families shall meet the following conditions:
1 No bad credit record;
2. Family financial difficulties should generally meet one of the following basic characteristics:
A. Poor households in rural and pastoral areas, low-income households, and poverty-stricken households with established files;
B. Orphans and families with disabilities;
C. Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses;
D. Family members suffer from major diseases;
E. the main income creator of the family loses the ability to work for some reason;
F. Single-parent families with no stable income;
G. Poor families in old, young, marginal, poor and remote rural pastoral areas;
H. Families where one or both parents are unemployed;
First, other poor families.
4. What is the purpose of student-origin credit loan?
A: In principle, student-origin credit student loans are used to borrow students' tuition and accommodation fees. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses.
5. What is the amount of student credit loan?
A: The loan amount for full-time college students (including second bachelor's degree and higher vocational students) is no more than 8,000 yuan per student per year, not less than 1 1,000 yuan; The annual loan amount for full-time graduate students shall not exceed 12000 yuan, and shall not be less than 1000 yuan.
6. What is the loan term of the student source credit student loan?
A: In principle, the loan term is determined according to the full-time undergraduate and postgraduate academic system plus 65,438+03 years, with a minimum of 5 years and a maximum of 20 years.
7. What is the interest rate of the student-origin credit student loan? How to charge interest?
Answer: The loan interest rate is based on the benchmark interest rate of the People's Bank of China in the same period and at the same level, and is adjusted once every February 2 1.
The loan interest is charged annually. Students' interest during school is paid by the full financial discount, and the interest after graduation is shared by students and parents. Interest is calculated on an annual basis from September 1 of the graduation year. The calculation formula of interest that students should bear in the year of graduation is: contract amount * days * interest rate /360.
8. What materials do I need to apply for a student-origin credit student loan?
Answer: university admission notice (or student ID card), student ID card, borrower ID card, family residence booklet, loan application form, etc. Students should keep the original certificate and provide a copy.
9. Where can I apply for a student credit loan? When will it be handled? When can the funds be released?
A: Loan students should apply and handle it at the Student Financial Assistance Management Center of the Banner District Education and Sports Bureau where their household registration is located. The national student loan is applied, approved and issued once a year. The processing time is from August to September every year. The disbursement time of funds is1mid-October 165438 every year.
10. What are the consequences of default if the student-origin credit student loan cannot be repaid at maturity?
Answer: (1) If the principal and interest of the loan are not repaid as agreed in the loan contract, the borrower shall pay the penalty interest according to the overdue principal amount and the overdue days. The penalty interest rate is 0.3 times of the loan interest rate of 65438+.
(2) The Development Bank will enter the default information of the borrowing students into the personal credit information system of the People's Bank of China in accordance with the relevant provisions of the Regulations on Credit Information Management (the State Council Order No.631).
1 1. What is the processing flow of student-origin credit student loans?
Student Online Service System www.csls.cdb.com.cn
China Development Bank Student Loan Service Hotline 95593
Two, Inner Mongolia ordinary colleges and universities students from poor families admission subsidy policy
1. Who is the recipient?
Answer: (1) Freshmen: Starting from the fall semester of 20 18, freshmen in ordinary colleges and universities were officially admitted by the education entrance examination department. On September 1 day of that year, they were children of urban and rural low-income families with household registration in the autonomous region, children of poor families with established files and orphans.
(2) Students studying: Full-time undergraduate students (excluding those who entered school before 20 18) are children of urban and rural low-income families, children of poor families and orphans registered in the autonomous region in the school year after 20 18.
Note: Students who meet the requirements of minimum living allowance, establishing a file card and being an orphan will no longer enjoy the subsidy policy.
2. What are the funding criteria?
A: Students (including preparatory students) who are admitted to ordinary colleges and universities and meet the above conditions will be given financial aid from the year of admission, with a subsidy of 1 10,000 yuan per academic year, with a cumulative subsidy of no more than 40,000 yuan; For students (including preparatory students) who are admitted to junior colleges or higher vocational colleges and meet the above conditions, they will be subsidized from the year of admission, with a subsidy of 1 10,000 yuan per academic year, and the cumulative subsidy will not exceed 30,000 yuan. Apply for annual review and issuance.
3. When will it be handled? Where can I go to handle it?
A: From August 1 day to September 10 every year, you can register at the Student Financial Assistance Management Center of the Education and Sports Bureau in the flag area where your household registration is located (individual flag areas require students to be present and take photos on the spot). The system of applying once a year and approving once a year is implemented, and the funds are allocated according to the academic year.
4. What information should I prepare to apply for this grant?
Answer: (1) 1 The original and photocopy of the college admission notice (freshman), student ID card (student), household registration book, ID card, minimum living allowance (or orphan card, poverty alleviation manual for establishing a file).
(2) Bank card 1 copy uniformly required by the Banner Funding Center.
(3) 1 Two-inch photo of the student himself.
Note: If there are false reports or repeated applications (repeated applications across years, regions and batches), the eligibility for assistance will be cancelled once found.
Three. Subsidy Policy for College Students from Urban and Rural Low-income Families in Ordos City
1. Who is the recipient?
A: From the fall semester of 20 12, full-time postgraduate students, undergraduates and junior college students from urban and rural low-income families in Ordos City who have been admitted to domestic universities by taking the national college entrance examination and the national postgraduate entrance examination.
2. What is the subsidy standard?
A: Full-time graduate students are 7,000 yuan per academic year, undergraduates are 5,000 yuan per academic year and junior college students are 3,000 yuan per academic year.
3. When will it be handled? Where can I go to handle it?
A: From August 1 day to August 3 1 day every year, you can register at the Student Financial Assistance Management Center of the Education and Sports Bureau in the flag area where your household registration is located (individual flag areas require students to be present and take photos on the spot). The system of applying once a year and approving once a year is implemented, and the funds are allocated according to the academic year.
4. What information should I prepare to apply for this subsidy?
Answer: (1) the original and 1 copy of the student's admission notice (or student ID card).
(2) Low guarantee issued by the Civil Affairs Bureau.
(3) The original and 1 copy of the student's and parents' household registration books (if the student's and parents' household registration books are not in the same household registration book, a birth certificate is required, etc. ).
(4) Original ID cards of students and parents, with each copy 1 copy.
(5) 1 Two-inch photo of the student himself.
(6) Bank card 1 copy uniformly required by the Banner Aid Center.
Note: If there are false reports or repeated applications, the eligibility for assistance will be cancelled once found.
Four, Ordos City, urban and rural families with financial difficulties college students' financial assistance policy
1. Who is the recipient?
A: From the fall semester of 20 15, Ordos college students with financial difficulties in urban and rural families (including "3+2" students transferred to higher vocational colleges through unified enrollment in the autonomous region), undergraduates and full-time master students admitted by taking the national college entrance examination and the national postgraduate entrance examination.
"Family financial difficulties" refers to the following situations:
(1) The students themselves are orphans. (Linked to the autonomous region's orphan college students' funding policy, the high is low, and there will be no repeated funding)
(2) Students themselves are children of martyrs.
(3) The student himself is a child of a single-parent family (one parent dies or his parents divorce, etc.). ) and the monthly per capita income of the family is lower than 200% of the local minimum living standard.
(4) Family children whose parents or students have severe disabilities above Grade II and whose monthly per capita income is lower than 200% of the local minimum living standard.
(5) Parents or siblings (including students themselves) who suffer from serious diseases and whose monthly per capita income is less than 200% of the local minimum living standard. Serious and serious diseases refer to 25 kinds of serious and serious diseases (for all students who are eligible for funding due to serious and serious diseases) stipulated in the Notice of Ordos Poverty Alleviation and Development Office of Ordos Municipal Health and Health Committee on Printing and Distributing the Work Plan of Health Poverty Alleviation in Ordos City for 20 19 (Efa [2065438+09] No.20). In the future, the types of serious diseases will be adjusted according to the new measures introduced by the health and family planning departments.
(6) Family children who have suffered major disasters or natural disasters and their monthly per capita income is lower than 200% of the local minimum living standard.
Special note: "The monthly per capita income of a family is lower than 200% of the local minimum living standard" means that the monthly per capita income of a family is close to the minimum living standard and lower than twice the minimum living standard.
(7) College students from poor families (including 3+2 higher vocational students), undergraduates and full-time master students (including Mongolian master students) who do not meet the enrollment subsidy policy for students from poor families in ordinary colleges and universities in the autonomous region.
2. What is the subsidy standard?
A: Full-time graduate students are 5,000 yuan per academic year, undergraduates are 4,000 yuan per academic year and junior college students are 3,000 yuan per academic year.
3. When will it be handled? Where can I go to handle it?
A: From August 1 day to August 3 1 day every year, you can register at the Student Financial Assistance Management Center of the Education and Sports Bureau in the flag area where your household registration is located (individual flag areas require students to be present and take photos on the spot). The system of applying once a year and approving once a year is implemented, and the funds are allocated according to the academic year.
4. What information should I prepare to apply for this grant?
Answer: (1) the original and 1 copy of the student's admission notice (or student ID card).
(2) The original and 1 copy of the student's and parents' household registration books (if the student's and parents' household registration books are not in the same household registration book, a birth certificate is required, etc. ).
(3) Original ID cards of students and parents, with each copy 1 copy.
(4) 1 Two-inch photo of the student himself.
(5) Bank card 1 copy uniformly required by the Banner Subsidy Center.
(6) The orphan shall provide the original and photocopy of the orphan certificate issued by the civil affairs bureau of the flag area where the household registration is located.
(7) The martyr's children shall provide the original and photocopy of the martyr's card issued by the Civil Affairs Bureau of the flag area where the household registration is located.
(8) Children of single-parent families should provide information such as parents' divorce or death, personal books of aided students, etc. Issued by the flag district civil affairs bureau or the public security bureau, the court and other departments where the household registration is located.
(9) For children from families with disabilities of Grade II or above, provide the original and photocopy of the disability certificate issued by the Disabled Persons' Federation in the flag area where the household registration is located, and the individual household registration book of the aided students.
(10) If parents or siblings (including students themselves) suffer from major diseases, they must provide relevant disease identification materials issued by the Banner Health Bureau where the household registration is located, and personal books of the aided students.
(1 1) For children whose families have suffered from major disasters or natural disasters, provide a description of the disaster situation and economic losses issued by Gacha (village, community) and Sumu (township, town and sub-district office) in their places of residence, as well as a personal account book of the aided students.
(12) The children of poor families who set up files and set up cards must provide poverty alleviation manuals and other related materials issued by the poverty alleviation office in the flag area where their household registration is located.
Note: If there are false reports or repeated applications, the eligibility for assistance will be cancelled once found.
Five, Erdos Mongolian college students' financial aid policy
1. What are the funding criteria?
A: The national "double first-class" construction discipline and the original "2 1 1 engineering" colleges cost 7,000 yuan per student per year; Ordinary undergraduates are 5000 yuan per year; College students earn 3000 yuan a year. (The Ethnic Affairs Committee is specifically responsible)
Note: If there are false reports or repeated applications, the eligibility for assistance will be cancelled once found.
Special note: Students in institutions of higher learning who meet the funding requirements will only enjoy the funding policy once and will not be subsidized again according to the principle of "high is not low".
Students, parents and friends, if you have any questions about the student financial aid policy, please call the following number for details, be vigilant and beware of network and telecom fraud!
Ordos Student Financial Assistance Management Center 0477—8598833
Dongsheng District Student Financial Assistance Management Center 0477—8582399
Dalad Banner Student Financial Assistance Management Center 0477-52 140 19
Zhungeer Banner Student Financial Assistance Management Center 0477-3970 104
Otog qianqi student financial assistance management center 0477-7628 1 13
Otog qi student financial assistance management center 0477-62 13026
Hanggin Qi Education Development Fund Management Center 0477-662242 1
Uxin Qi Student Financial Assistance Management Center 0477—7586978
Ejinhoro Banner Student Financial Assistance Management Center 0477-869 1564
Kangbashi district Student Financial Assistance Management Center 0477-5 123445