The borrowers of China Bank's national student loan are full-time undergraduates (including higher vocational students and preparatory students), graduate students and students with second bachelor's degree with financial difficulties in colleges and universities.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
2. What do you know about "China Bank Student Loan"?
product name
government-subsidized student loans
product description
The national student loan refers to the student loan granted by the Bank of China from the central finance or local finance at a discount, which is used for the tuition, miscellaneous expenses and living expenses required for you or your immediate family members and legal guardians to study full-time undergraduate, junior college or graduate students in domestic universities.
I. Relevant personnel
Introducers refer to the departments in charge of university student loans; A witness refers to a natural person who has a close relationship with the educated and has full capacity for civil conduct; Institutions of higher learning refer to ordinary institutions of higher learning affiliated to the central departments (units) subsidized by the central government and ordinary institutions of higher learning subsidized by local governments.
Second, the loan term.
The term of the national student loan shall not exceed six years after the borrower graduates.
Third, the loan limit.
In principle, the national student loan does not exceed 6000 yuan per student per academic year. The specific loan amount of each student is determined by the school according to the total loan amount of the school, according to the tuition fee, accommodation fee, living standard and the degree of difficulty of the students.
Fourth, the loan interest rate.
The national student loan interest rate shall be implemented according to the loan interest rate of the same grade stipulated by the People's Bank of China. If the loan term is within one year (including one year), the interest shall be calculated at the interest rate agreed in the contract. If the statutory interest rate is adjusted, the contract interest rate will remain unchanged; If the loan term exceeds one year, the interest rate will be fixed for one year. In case of legal interest rate adjustment, the People's Bank of China will adjust the interest rate on the next interest rate determination date. If the accumulated term of the loan reaches the new term level of interest rate after the extension, it shall be implemented at the new term interest rate from the date of extension; The part of loans overdue that has not been approved for extension shall bear interest at the overdue loan interest rate stipulated by the Bank of China.
Verb (abbreviation for verb) loan application
The borrower shall provide the following information:
1. Original and photocopy of valid personal residence identity document;
2. The school's admission notice and photocopy or student ID card and photocopy;
3. Family financial difficulties;
4, township, town, street civil affairs departments to identify their family financial difficulties.
Intransitive verb lending
According to the contract, China Bank will timely transfer tuition, accommodation and living expenses loans to the account set up by the school according to the academic year.
Seven, loan discount
The national student loan discount will be implemented, and 100% of the borrowing students will be subsidized by the finance during their school days. The borrower's loan interest and penalty interest after graduation shall be paid in full by himself.
Eight. Loan repayment
1. The starting time for the borrower to pay interest after graduation is the month after the graduation certificate is obtained1;
2. Borrowing students can start to repay the loan principal in any month within 24 months after graduation according to their employment and income level. For specific repayment matters, the borrowing students shall apply to the handling bank after going through the repayment confirmation procedures;
3. Allow eligible borrowers to repay the loan in advance.
Nine. Loan extension
Borrowing students who continue to study for the degree of the current year after graduation should apply to the original school for extension 1 month before graduation, and provide relevant certificates for continuing their studies. During the extension of the original loan, according to the affiliation of the borrower's original school, the financial department will continue to implement interest subsidies according to students.
Applicable object
The borrowers are full-time undergraduates (including higher vocational students), graduate students and students with second bachelor's degree from poor families in ordinary colleges and universities.
Treatment process
Please contact the relevant branches of Bank of China.
skill
There are many materials needed to handle the loan business. If you have more questions, please consult the local China Bank outlet with the brand logo of "Ideal Home" or call 95566.
Three. Repay the student loan of China Bank.
The national student loan refers to the student loan subsidized by the Bank of China, which is used for the tuition, miscellaneous expenses and living expenses required by the lender or immediate family members and legal guardians to study full-time undergraduate, junior college or graduate students in domestic universities.
I. Relevant personnel
Introducers refer to the departments in charge of university student loans; A witness refers to a natural person who has a close relationship with the educated and has full capacity for civil conduct; Institutions of higher learning refer to ordinary institutions of higher learning affiliated to the central departments (units) subsidized by the central government and ordinary institutions of higher learning subsidized by local governments.
Second, the loan term.
The term of the national student loan shall not exceed six years after the borrower graduates.
Third, the loan limit.
In principle, the national student loan does not exceed 6,000 yuan per student per academic year, and the specific loan amount per student is determined by the school according to tuition fees, accommodation fees, living standards and students' difficulties.
Fourth, the loan interest rate.
The national student loan interest rate shall be implemented according to the loan interest rate of the same grade stipulated by the People's Bank of China. If the loan term is within one year (including one year), the contract interest rate shall remain unchanged as agreed in the contract; If the loan term exceeds one year, the interest rate will be fixed for one year. If the statutory interest rate is adjusted, the adjusted interest rate of the People's Bank of China shall be implemented; After the extension of the loan, if the accumulated term reaches the new interest rate term level, the part benefiting from the new term shall be paid by the Bank of China from the date of extension.
Verb (abbreviation for verb) loan application
The borrower shall provide the following information:
1. Original personal valid residence identity certificate
2. The school's admission notice and photocopy or student ID card and photocopy;
3. Family financial difficulties;
4. A certificate issued by the administrative department about the family's financial difficulties.
Intransitive verb lending
Bank of China will transfer the loan for accommodation and living expenses to the account set up by the school according to the contract.
Seven, loan discount
The national student loan discount will be implemented, and 100% of the borrowing students will be subsidized by the finance during their school days. The borrower's loan interest and penalty interest after graduation shall be paid in full by himself.
Eight. Loan repayment
1, starting from 1 day next month after the date of obtaining the diploma;
2. Borrowing students can start to repay the loan principal in any month within 24 months after graduation according to their employment and income level. Specific repayment matters shall be handled by the borrowing students at the handling bank after the repayment confirmation procedures.
3. Allow eligible borrowers to repay the loan in advance.
Nine. Loan extension
For loan students who continue to pursue their degrees in the same year after graduation, the original school shall apply for an extension and provide relevant certificates for continuing their studies. During the extension of the original loan, according to the affiliation of the borrower's original school, the financial department will continue to implement interest subsidies according to students.
Applicable object
The borrowers are full-time undergraduates (including higher vocational students), graduate students and students with second bachelor's degree from poor families in ordinary colleges and universities.
4. Who will get the national scholarship?
All the students in this university.
National scholarship refers to the scholarship established by the central government to reward outstanding students in order to encourage students in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard, make progress and develop morally, intellectually, physically and aesthetically [1]. It is a great honor for a college student to get a national scholarship. National scholarship is also the national scholarship with the highest honor level that college students can get at present, and its evaluation is the most standardized and the standards are the strictest. Every year, nearly 27 million students from more than 2,000 colleges and universities compete for 60,000 national scholarships, and the winning percentage is only 0.2%.