government-subsidized student loans

(A) the national student loan application process

The application process of national student loan: student application → school preliminary examination → bank approval → signing a contract between the two parties → bank granting loans → repayment of loans after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

(B), the conditions for applying for national student loans

Conditions for applying for national student loans: full capacity for civil conduct (minors must obtain the written consent of their legal guardians); Honest and trustworthy, law-abiding, no illegal acts; Study hard and be able to complete your studies normally; Due to family difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies; Approved by the school; Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.

(3), apply for national student loan materials

Materials for applying for the national student loan: provide the necessary information about my family's financial situation (generally including my written application, family financial situation questionnaire, proof of difficulties at street or township level or above, guarantor's guarantee and my actual performance, etc. ), promise the repayment liability clause, and provide the repayment guarantor.

How to apply for a student loan

Handling of student loans:

1. The applicant shall prepare the student ID card, the original ID card and its copy; Materials such as proof of family financial difficulties required by the national student loan shall be registered in the student loan information network of China Development Bank, and personal information shall be filled in;

2. The school will conduct a preliminary review of the data, and the bank will conduct a final review of the data. For students who pass the examination, the China Development Bank will issue student loans to designated accounts.

legal ground

Article 2 of the Detailed Rules for the Implementation of the National Student Loan Operation of Bank of China.

The national student loan refers to the student loan granted by the lender from the central or local financial discount to the borrower, which is used for the tuition, miscellaneous expenses and living expenses required by the borrower himself or his immediate family or legal guardian to study full-time undergraduate, junior college or graduate students in domestic universities.

How can a high school student apply for a loan if he has no money to study?

No, it's only for college students.

Application conditions

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 People's Republic of China (PRC) (PRC) nationality and have reached the age of 16 must hold the resident identity card of the People's Republic of China;

(3) Having 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 you can finish your studies normally.

Public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.

Extended data

According to the provisions of the People's Bank of China, there are two main types of student loans, namely, national student loans and student loans:

government-subsidized student loans

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. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.

Commercial credit loan

Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan.