1, student application;
2. School institutions conduct loan preliminary examination;
3, the handling bank for loan approval;
4. Sign a loan contract with students;
5. Issue national student loans;
6. Repay the national student loan.
Two. credit terms
1, a natural person of China nationality who has reached the age of 18, has full capacity for civil conduct and has a fixed residence and valid identity documents in China.
2, with a legitimate occupation and stable economic income (except for students who apply for student loans), can guarantee the repayment of loan principal and interest on schedule.
3. Open a savings account in a loan bank and deposit not less than the down payment of the total consumption and the estimated mortgage registration fee, notary fee, insurance fee and other expenses.
4. It can provide effective guarantee measures recognized by banks for personal consumption loans.
5. The purpose of the loan is within the prescribed scope.
Three. loan limit
1. Where the loan is applied by pledge, or the bank or insurance company provides joint liability guarantee, the down payment shall not be less than 20% of the total value of consumer goods, and the loan amount shall not exceed 80% of the total value of consumer goods.
2. If the borrower or a third party mortgages the real estate to apply for a loan, the down payment shall not be less than 30% of the total value of consumer goods, and the loan amount shall not exceed 70% of the total value of consumer goods.
3. Where a third-party guarantee is used to apply for a loan (except banks and insurance companies), the down payment shall not be less than 40% of the total value of consumer goods, and the loan amount shall not exceed 60% of the total value of consumer goods.
4. Information to be provided by the borrower
1. Application Form for Personal Consumption Loan of Agricultural Bank of China truthfully filled out by the payer.
2. A valid certificate provided by the school.
3. Personal income certificate of the property co-owner.
4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, the list of pledged goods, the certificate that the person with the right of disposition agrees to mortgage and pledge, the certificate of ownership or use right of the collateral, the identification and insurance documents, the certificate of pledge right and the document that the guarantor agrees to guarantee shall be submitted.
5. If the repayment guarantee is in the form of insurance with an insurance company, it shall submit a written commitment from the insurance company to handle the installment repayment of consumer loan insurance.
6, has been deposited in the loan bank not less than the prescribed proportion of the total tuition and fees, notary fees, insurance premiums and other deposit certificates.
7. The authorization letter for the transfer of funds by the entrusted loan bank shall stipulate that after the loan contract signed by the loan bank and the borrower comes into effect, the loan bank can directly transfer the funds from the borrower's deposit account to the designated payee.
Verb (short for verb) bears the consequences.
1. If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment.
2. The handling bank will input the personal basic information and repayment of the graduated students into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. If the graduates of the national student loan break the contract seriously, it will affect them to apply for other personal consumption credit from financial institutions.
3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will publish their names, citizenship numbers, graduation schools, specific breach of contract and other information through news media, internet and other information channels.
4. The defaulter shall bear relevant legal responsibilities.
Calculation of interest rate of intransitive verbs
Commercial student loans are subject to the same grade RMB loan interest rate 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. When the statutory interest rate is adjusted, the contract interest rate remains unchanged; If the loan term exceeds one year, the interest rate will be fixed for one year. If the statutory interest rate is adjusted, the newly adjusted interest rate will be implemented on the next interest rate determination date; The part of loans overdue that has not been approved for extension shall bear interest at the overdue loan interest rate.