The executive meeting held on 2002 1 September1decided to further improve the national student loan policy. From the fall semester of 20021,the loan amount will be increased. The maximum annual loan amount for junior college students will be raised from 8000 yuan to 12000 yuan, and for graduate students from 12000 yuan to 16000 yuan. The financial department will fully subsidize the loan interest of students during their school days.

There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

There are colleges and universities.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.

Student loan repayment way

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

Repayment operation

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. The specific operation method is as follows:

(1) 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 application for early repayment in the 2006-2008 school year is the school code, student ID number and password for the 8th birthday; The login name and password for prepayment of online loans after 200 years are the login name and password when students apply for loans);

(2) Click "prepayment application" on the left to enter the prepayment application summary information page;

(3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment addition page;

(4) Select a loan contract record and click OK to save the prepayment application information.

(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.

How to apply for a student loan

You don't need to bring a bank card to apply for a student loan. Students only need to bring their ID card and school registration certificate (such as admission notice, student ID card, etc.). ), as well as the family poverty certificate issued by the relevant local departments. Student loans are not issued to bank cards, but to Alipay accounts generated when students apply for loans.

And run a good student loan, and then provide the receipt to the school when the school starts, so that the school can input the student loan information according to the receipt code, thus deducting the corresponding tuition and accommodation fees.

First, apply for a loan.

Eligible students log on to the "Student Online Service System", find the "Loan Application Form", click "Add", fill in the information, and then export and print the "National Development Bank Student Loan Application Form".

Second, the application conditions:

(1) Borrowing students should meet the following conditions:

1. has the nationality of the people of China; 2. Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools, junior colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or undergraduates and graduate students (including master students) who are studying in colleges and universities. 3. Students' pre-school household registration and borrowers' household registration are in the county (city, district); 4. Honest and trustworthy, law-abiding; 5. The family is in financial difficulties, and the income that the family can get is not enough to support the basic expenses that students need to complete their studies during school; 6. I didn't get student loans from other countries that year.

(2) The borrower shall meet the following conditions:

1. In principle, it should be the parents of the borrowing students; 2. If the parents of the borrowing students lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other close relatives of the borrowing students can be regarded as * * * borrowers. 3. If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower. 4. If * * * is not the borrower's parents, the borrower should be over 25 years old and under 60 years old in principle; When renewing the loan, if the borrower is not changed, the age limit may be relaxed appropriately. * * * When the borrower is the parent of the student, there is no age limit; 5. Students' pre-school household registration and borrowers' household registration are in the county (city, district); 6. Students who have not settled the student credit loan (or college student loan) of China Development Bank cannot be used as * * * borrowers of other students.

Three. Loan application process and procedures

(a) the first application process and loan application materials:

1. After logging into the system, complete the registration and fill in the basic information of the individual and the borrower, submit the loan application, export and print the application form.

2. Students who have not applied in advance, but really need to apply for student-origin credit student loans due to family financial difficulties, can fill out the Identification Form for Students with Family Financial Difficulties according to the actual situation, and apply for loans as the basis for identifying family financial difficulties.

3. Loan application materials

(1) One original ID card and one original household registration book of the borrower and the borrower.

(2) The original admission notice (or student ID card) of 2)Xuexin.com or the student status verification report.

(3) the application form of the China Development Bank's student credit student loan. Students who fail to pass the pre-application also need to bring the original identification form for students with financial difficulties in their families.

Note: If the borrower and the borrower are not in the same household registration book, they need to bring the original household registration books of both parties.

4. Report to colleges and universities with the admission certificate, and require college teachers to enter the electronic receipt before 10 of that year.

Can freshmen attending private universities borrow money from banks to pay tuition fees? Really?

Yes, the national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.

The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1000 and 8,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.

Extended data

Students and preparatory students who meet the following conditions may apply for state grants:

(1) love the socialist motherland and support the leadership of the China * * * production party;

(2) Abide by the Constitution and laws, and abide by school rules and regulations;

(3) Honesty and trustworthiness, excellent moral quality;

(4) study hard and be proactive;

(5) The family has financial difficulties and lives frugally.