The graduate student loan can be 12, yuan. Four departments, including the Ministry of Finance, the Ministry of Education, the People's Bank of China, and the China Banking Regulatory Commission, have issued notices. Since July 215, full-time graduate students can apply for loans of no more than 12, yuan per year; Among them, graduate students with annual tuition and accommodation less than 12, yuan can determine the loan amount according to the total amount of tuition and accommodation standards.

loan conditions: 1. A natural person with full capacity for civil conduct, a permanent residence in China and a valid identity certificate. 2, have a legitimate occupation and stable economic income (except for students who apply for education loans), can guarantee the repayment of loan principal and interest on schedule. 3. Open a savings account in a loan bank, and deposit the expected expenses such as mortgage registration fee, notary fee and insurance fee, not less than the proportion stipulated in the total consumption. 4. Provide effective guarantee measures for personal consumption loans recognized by banks. 5. The purpose of the loan is within the prescribed scope. Loan limit: 1. Where banks and insurance companies apply for loans or provide joint and several liability guarantees by pledge, the down payment amount shall not be less than 2% of the total value of consumer goods, and the loan amount shall not exceed 8% of the total value of consumer goods. 2. If the borrower or a third party applies for a loan by mortgage of real estate, the down payment amount shall not be less than 3% of the total value of consumer goods, and the loan amount shall not exceed 7% of the total value of consumer goods. 3. Where a loan is applied by way of third-party guarantee (except banks and insurance companies), the down payment amount shall not be less than 4% of the total value of consumer goods, and the loan amount shall not exceed 6% of the total value of consumer goods. The application form for personal consumption loan of Agricultural Bank of China shall be truthfully filled out by the borrower. 2. Valid certificates provided by the school. 3. Property * * * Personal income certificate of the owner. 4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the list of mortgage and pledge, the certificate of consent to mortgage and pledge, the certificate of mortgage ownership or use, appraisal, insurance documents, certificate of quality rights and the document of consent of the guarantor shall be submitted. 5. If the repayment guarantee is in the form of insurance from an insurance company, a written commitment of the insurance company to repay the consumer loan insurance in installments shall be submitted. 6. The loan bank deposits not less than the prescribed proportion of the total tuition and fees, notarial fees, relevant insurance premiums and other deposit certificates. 7. Entrust the loan bank to transfer the power of attorney, which stipulates that after the loan contract signed by the loan bank and the borrower takes effect, the loan bank can directly transfer it from the borrower's deposit account to the designated payee.