Because there are many kinds of loans related to our bank, you can't fully understand your personal information. You can inquire about the types of our loans and the specific information of the corresponding loans through the "Personal Finance"-"Personal Loans" function of our portal. You can also go to the nearest business outlet for details.
The above contents are for your reference. Please refer to the actual business regulations.
How to apply for a student loan in China Bank?
China Bank's national student loan application process:
1. Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.
2, institutions of higher learning to apply for national student loans submitted by students to apply for qualification examination, and be responsible for the authenticity of the students' eligibility for loans. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.
3, after the completion of the preliminary examination, colleges and universities should, within 5 working days, confirm the qualified loan application form with the official seal, notify the students who apply for loans of the preliminary examination results, and summarize the Information Form of Students' Application for National Student Loan according to the requirements of the handling bank of China Bank, and send the electronic documents and written documents together with the application materials to the handling bank of China Bank.
4. The handling bank of China Bank shall complete the audit within 10 working days in accordance with the regulations after receiving the "Student Audit Information Form for National Student Loan" and application materials submitted by colleges and universities. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The review of the handling bank of China Bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.
5. With the online channel of national student loans, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, China Bank, without the need for a paper Application Form for National Student Loans and an Information Form for Examining Students Applying for National Student Loans.
6. The handling bank of China Bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.
7. Institutions of higher learning organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the roster of loan students, the text of loan contract (format) and the text of IOUs recognized by the handling bank.
8. Institutions of higher learning submit loan contracts and IOUs signed by students to China Bank, the handling bank. The handling bank of China Bank shall, within 10 working days, complete the review of the loan contract submitted by colleges and universities and the iou signed by the borrowing students, and sign the loan contract. After the signing of the loan contract, the handling bank in China will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require the borrowing students to sign the receipt of the loan contract, which will be stamped by the school and sent back to the handling bank.
Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.
The above contents are for your reference. Please refer to the actual business regulations.
What is the maximum amount of national student loan that China Bank can apply for?
China Bank's national student loan quota:
Before September 3, 20021year, the policy is that the loan amount applied by full-time undergraduates (including students with second degree and higher vocational education) should not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
202 1 Policies after September 3rd Recently, the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Further Improving the National Student Loan Policy (Cai Jiao [202 1] 164), which increased the national student aid from the fall semester of 20021. Full-time college students (including second bachelor's degree, higher vocational and preparatory students) apply for loans of no more than 8,000 yuan to no more than12,000 yuan per year; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. China Bank's national student loan should be used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.
Students who apply for national student loans in Bank of China can apply according to the maximum amount of the New Deal (that is, the maximum loan amount per junior college student is10.2 million yuan, and the maximum loan amount per graduate student is10.6 million yuan).
Students who have applied for (issued) national student loans in BOC can apply for an increase (for example, undergraduate students can apply for a loan of 5,000 yuan to pay tuition and accommodation fees, and they can apply for a living allowance of 7,000 yuan from BOC).
The above contents are for your reference. Please refer to the actual business regulations.
What is the student loan of China Bank?
China Bank's "national student loan" refers to the credit loan that students from poor families in colleges and universities apply to financial institutions through their colleges and universities to pay tuition and accommodation fees during their studies. 1. Loan target: The borrowers of the national student loan are full-time undergraduates (including students from higher vocational colleges), postgraduates and students with second bachelor's degrees with financial difficulties. Second, the borrower's conditions: students applying for national student loans should meet the following conditions: (1) have China nationality and hold Chinese identity cards; (2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); (3) Honest and trustworthy, law-abiding, no illegal behavior; (4) Being able to complete their studies normally; (5) Due to the family's financial difficulties, the funds that can be raised are not enough to pay for their tuition and accommodation during their study at school. 3. Loan application: Both the university and the handling bank are responsible for consulting the national student loan business. During the validity of the agreement, students can apply for national student loans. In principle, the national student loan business takes the form of one-time application and loan contract signed by students at school and loan issued by the handling bank in different academic years; Students who apply for loans apply to our colleges and universities within the specified time, receive the "Application for National Student Loan" and other related materials, fill them out truthfully and completely, and provide relevant certification materials. Colleges and universities can handle national student loans for students who apply for loans in batches. 4. Submission materials: Students applying for national student loans need to submit the following materials: (1) Application for national student loans; (2) Copy of my student ID card and resident ID card/household registration book (minors must provide valid identity certificate of legal guardian and a written statement agreeing to apply for a loan); (3) Questionnaire survey of college students and families verified by the township or street civil affairs departments. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
What materials should China Bank prepare for the national student loan?
Before September 3, 20021year, policy students must submit the following materials to apply for the national student loan of China Bank:
1, my student id card or admission notice for new students.
2. My resident ID card or household registration book (card). Minors are required to provide valid identification of their legal guardians and a written statement agreeing to apply for loans.
3. The application form for the identification of students from poor families shall be filled in and signed by the students themselves.
Students who applied for and successfully obtained student-origin student loans in the last year have provided loan contracts, screenshots of successful loans and other relevant supporting materials, so it is not necessary to provide the Application Form for Identification of Students with Financial Difficulties.
4. If the offline mode is adopted, a national student loan application form is also required.
After September 3, 20021year, the materials required by the policy include my resident ID card, my student ID card or the admission notice of new students, and the Application Form for Identification of Students with Financial Difficulties filled out and signed by the students themselves (minors must provide valid identity certificates of legal guardians and a written statement agreeing to apply for loans).
(Online channel application is no longer supported after 202 1. 9. 3. )
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of the requirements of China Bank and China Bank for student loans. Did you find the information you needed?