The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities.
1. Application materials:
1. Original and photocopy of the borrower's valid identity certificate;
2. The original and photocopy of the borrower's student ID card or admission notice;
3. Proof of family financial difficulties;
4. The ID cards of two witnesses of the borrower's classmates or teachers and copies of student ID cards or work permits;
5 loan bank national student loan application form;
6. "Urge repayment commitment";
7. Other information required by the bank.
Second, the application conditions:
1. Full-time undergraduates (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities;
2. Family financial difficulties;
3. Persons with China nationality and 16 years of age or older must hold Chinese identity cards;
4. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
5. Honest and trustworthy, law-abiding, no illegal behavior;
6. Study hard and finish your studies normally.
Three. Procedure:
1. Students are required to apply for a loan from the bank through the school after the start of the new school year (the specific time is clearly stipulated by each school). School institutions will examine the qualifications of the national student loan application materials submitted by students, and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan.
After the completion of this work, the school organized a five-day publicity and corrected the problematic application. After the initial examination is correct, the school institution will confirm the qualified loan application and affix its official seal within 10 working days, inform the students of the audit results, and prepare the National Student Loan Audit Information Form.
2. Bank Approval The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days. The school institution will return the loan contract and IOU to the borrower for safekeeping within 5 days after receiving it.
3. After the loan signing application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
4. Sign a contract with the handling bank. After receiving the loan contract and IOU submitted by the school, the handling bank will complete the signing work within 15 working days, and deliver the signed loan contract to the school institution within 5 working days.
The bank will handle a debit card or current passbook for each student. The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans every month according to 10.
6. Loan Repayment Students should pay attention to their own credit and repay on time after completing their studies with student loans.
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