The specific handling methods in our province are: student loans (undertaken by rural credit cooperatives and Hebei Branch of China Development Bank). The loan targets are full-time college students (including higher vocational and second bachelor's degrees) and graduate students with financial difficulties in Hebei Province. Loan method: it shall be handled by the rural credit cooperative union of the county (city, district) where the student's household registration is located or the county-level student financial assistance management center. Application method: Before the start of the new semester, students should log on to the website of Hebei Rural Credit Cooperative Student Credit Loan Management System () or the website of China Development Bank Student Credit Loan Management System () and fill in a unified loan application form. Students and parents apply to the county-level education department where the household registration is located. Campus student loans (undertaken by Hebei Branch of China Development Bank, currently only carried out in 28 provincial public universities) are for full-time college students (including higher vocational and second bachelor's degrees) and graduate students with financial difficulties.
Related Q&A: How much interest should I pay for the 8000 student loan? Interest:
1, 6 months, including 6 months loan 5.60.
2. Half a year to one year includes 1 year loan of 6.00.
3. One to three years including three-year loans 6. 15.
4. Loan 6.40 Three to five years, including five years.
5. Loans over five years 6.55.
Loan interest rate:
The benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. Students' interest during school is fully subsidized by the financial department, and the interest after graduation is borne by the students themselves, their parents or other legal guardians.
1. Students' interest during school is fully subsidized by the finance.
2. Interest after graduation: the maximum annual interest is 6.55 * 8,000 = 524 yuan.
Student-origin credit student loan:
Student-origin credit student loans refer to loans issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students, parents or other legal guardians apply to the student financial assistance management centers or financial institutions in the counties and cities where the students are registered.
Student loans help students from poor families pay for tuition and accommodation during their studies at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The student, parents or other legal guardians are * * * and the borrower, and * * * is responsible for repayment.
Application conditions:
(1) People with China nationality.
(2) Honest and trustworthy, law-abiding.
(3) according to the relevant provisions of the state, approved the establishment of full-time undergraduate colleges and higher vocational schools to implement higher education.
Colleges and universities include private colleges and independent colleges, and the list of schools is officially accepted subject to the announcement of the Ministry of Education. The truth is clear.
Legal and valid admission notice for freshmen or junior college students, graduate students and second bachelor degree students.
④ Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county, city and district.
⑤ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.