If you are a rural student, the loans for going to college are basically student loans from banks. If you want to repay the loan, you should repay the loan according to the loan contract signed with the bank when you borrow.
Student loans, that's it.
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.
What are the requirements for applying for a national student loan? What about student loans?
(1) Undergraduate students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties;
(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) study hard and be able to complete their studies normally;
(5) Due to the family's financial difficulties, the funds that I and my family can raise are not enough to pay the basic expenses of their study and life during their study.
The application conditions for student-origin student loans are the same as above, and one item is added:
(6) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district).
Materials required for applying for national student loans:
1. Apply for a national student loan;
2. Copy of my student ID card and ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);
3. I explain the family's financial difficulties;
4 township, town, street civil affairs departments and county-level education administrative departments to identify their family financial difficulties. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
5. Other supporting documents and materials required by the bank or school.
School preliminary examination
School 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.
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.
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.
sign a contract
After the loan 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.
Sign a contract with the handling bank
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.
How to sign a national student loan contract with the handling bank?
After the student loan application is examined by the school and approved by the bank, the school will organize students to fill in, sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.
provide a loan
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.
Total loan of rural credit cooperatives in Liaoning Province is 20 16.
In 20 16, the total loan of rural credit cooperatives in Liaoning province was 725.254 billion yuan. According to relevant data, Liaoning Rural Credit Cooperatives, which was officially listed for business on July 20th, 2005, is a local financial institution with independent legal personality, which was established with the consent of the provincial government and the approval of China Banking Regulatory Commission.
20 10 age of loan guarantor of Liaoning rural credit cooperative union
/kloc-China citizens aged 0/8 to 60. There are restrictions on the age of the guarantor, generally 18 to 60 years old China citizens, and some also require the guarantor to have certain property, work unit, stable income and other conditions. Therefore, the loan guarantor of 20 10 of Liaoning Rural Credit Cooperative is a China citizen aged 18 to 60.
Is the rural revitalization loan reliable?
Reliable.
It is true to revitalize bank loans. Zhenxing Bank is a formal bank and a banking financial institution approved by the regulatory authorities. Its main task is to provide basic financial services for industrial bases in Liaoning Province. Construction started on 20/KOOC-0/6, and was approved by CBRC on 20/KOOC-0/7. It was opened in June of 5438+00, with a professional banking license. The above is whether the revitalization of bank loans is really relevant.
Is it better to promote and revitalize bank loans?
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It is better to revitalize the bank and promote a loan. The situation is as follows:
1, pure personal credit loan, especially suitable for wage earners, without mortgage guarantee, as long as you consider the basic norms, you can apply;
2. For users who are in a hurry to borrow money for emergency, the speed of lending is what users are most concerned about. This product is called the account within five minutes, which is a relatively fast product;
3. The state advocates non-contact application workflow. If you rely on the Internet or mobile phone, it is easy to apply for workflow.
4. The credit line can be recycled, borrowed and repaid.
Loan situation of rural credit cooperatives in Liaoning Province
1. has full capacity for civil conduct;
Two, normal production and operation, a stable source of repayment income, the ability to repay loans;
3. Personal credit status is good;
Four, most credit cooperatives generally require borrowers to be married and have a stable and normal family, which is not stipulated in the regulations, and individual credit managers may have this requirement.
5. The purpose of the loan is legal;
Six, the residence is relatively fixed, generally long-term residents of the local credit cooperatives within the jurisdiction, and even the household registration should be within the jurisdiction;
Seven, provide the necessary guarantee procedures required by the credit cooperatives;
That's usually all. I hope it helps you. Please click on "Choose as Satisfied Answer" below. thank you
This is the last introduction of rural loans and agricultural loans in Liaoning Province. I wonder if you have found the information you need?