Full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:
1, family financial difficulties;
2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;
3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4, honest and trustworthy, law-abiding, no illegal behavior;
5. Study hard and finish your studies normally.
Application material
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, township, town, street civil affairs departments and county-level education administrative departments to identify their 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. Reminder letter of commitment;
7. Other information required by the lending bank.
Treatment process
After preparing the application materials
1. Schools and institutions shall 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.
2, the relevant departments of the school is responsible for the qualification examination of the national student loan application submitted by students, and check the authenticity and integrity of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.
3. After the loan application is approved, the school will complete the work of organizing 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 it to the handling bank.
The bank will handle a debit card or current passbook for each student.
5. Borrowing students should pay attention to their own credit and repay the loan on time after completing their studies with student loans.
Extended data:
Amount of application for national student loan
According to the relevant regulations, in principle, the maximum per person per academic year is no more than 6000 yuan. So is the student loan.
National student loan in 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 launched national student loans, and students should pay attention to the relevant instructions in the school enrollment brochure or admission notice.
Students apply for national student loans.
Students must 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), and the bank does not directly accept students' personal loan applications. In principle, the handling bank accepts an application for a national student loan once a year.
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. The county-level student financial assistance management center is responsible for the qualification examination of the applications submitted by students. The bank is responsible for the final approval and issuance of loans.
Baidu encyclopedia-national student loan