College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees.
1. application time and deadline: consult the local funding center. Time varies from place to place.
2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.
3. Application materials: Take the application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of co-borrower (the student's hometown), and go to the county-level financial aid center to apply for a loan with co-borrower.
4. Loan renewal: I or any party in co-borrower can apply for loan renewal at the county student aid center with my ID card and application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.
Extended data:
Measures of China People's Bank for the Administration of Student Loans:
Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.
Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.
Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.
Article 9 The repayment method of student loans is flexible, which can be repaid in advance, the interest can be paid off together with the principal, and the repayment can be made in installments (year, quarter and month). The specific method shall be agreed by the lender and the borrower and specified in the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.
Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be jointly agreed by the school where the lender or borrower is located and the discount party.
Article 11 A borrower shall abide by his credit. If you drop out of school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.
Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.
China Development Bank official website-Frequently Asked Questions
Baidu Encyclopedia-Measures of China People's Bank for the Administration of Student Loans
What is the maximum amount for college students to apply for student loans?
Full-time college students (including second bachelor's degree and higher vocational students, the same below) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.
Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
Proportion of national student loans
The national average subsidy ratio of full-time college students' national student loans should be equivalent to that of that year, and the subsidy ratio of all regions and universities should be equivalent to that of their own regions and universities.
The proportion of national student loans for full-time graduate students is determined according to the coverage of scholarship policies such as national scholarships and academic scholarships and the situation of students with financial difficulties.
Full-time college students are not allowed to apply for national student loans and student-origin credit student loans repeatedly in the same academic year, and they can only choose to apply for one of them. In principle, full-time graduate students apply for national student loans on campus.
Extended data:
Application for national student loan:
(1) The reasons for the application should include the family's financial situation. It should not be too simple, but it should be written sincerely.
(2) The written content cannot contradict the content in other materials.
(3) The application cannot be changed.
2. College students and families questionnaire:
(1) The handwriting of this questionnaire shall not be changed, erased or added.
2. It must be filled in with a carbon pen or a black signature pen.
(3) build the official seal of the civil affairs department.
The official seal of the civil affairs department must have the words of civil affairs (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid.
Note: If the local civil affairs department is revoked for some reason and changed into the Social Affairs Department, it can be stamped with the seal of the Social Affairs Department, but at the same time, the local government (at or above the township level) should issue an explanation of this situation.
(4) The names of the loan students themselves and their parents must be exactly the same as those on their respective ID cards.
5] The poverty certificate shall indicate the specific population of the family.
If the family population includes grandparents, and the father or mother of the loan student is an only child, an only-child certificate must be provided. If the parents are not only children, the alimony shared by the parents shall be calculated as family expenses.
Married brothers and sisters are generally not included in the family population.
Grandparents had better not be included in the family population.
The per capita monthly income of families is lower than that of 350 yuan. If brothers and sisters are counted in the family population, if they have income, their income should be counted.
(7) The population in the questionnaire should be consistent with the population in other data and should not be inconsistent or confused.
Divorcing parents should fill in the names of both parents in the questionnaire.
3. A copy of the identity cards of the father and mother;
(1) If the ID card has expired, you can use a copy of the household registration book (with the ID number of your parents on it) to replace it with a fresh seal of the police station.
(2) If the parents are divorced, provide the parents' divorce agreement (or court judgment) and a copy of both parents' ID cards.
Note: If the content of child support in the divorce agreement or court judgment is inconsistent with the actual support, it should be indicated in the corresponding documents.
(3) If one parent (or both parents) dies, the deceased shall be indicated in the poverty certificate, and a death certificate with fresh seal shall be issued by the police station.
The death certificate shall at least include the following contents: the father or mother of xxx (the name of the borrower) died on X, X, X, and finally the public security organ shall affix the special seal for household registration of the police station.
4. Student ID card and copy of student ID card:
A copy of the student ID card should be stamped with the seal of the Student Financial Assistance Center. (handled by the Student Affairs Office)
5. Copies of ID cards of two witnesses:
Of the two witnesses, 1 is a school teacher and 1 is a school classmate.
6./kloc-Students under the age of 0/8 will not be granted loans.
Employment certificate and low guarantee are not necessary materials for applying for a loan, but it will be easier to apply for a loan if the above documents are provided.
⒏ For students who have already applied for credit cards, the bank will not issue loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for credit cards, and the data records in the bank credit information system are incorrect".
(9) The national student loans provided by China Agricultural Bank and other banks shall be applied once and distributed year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.
⒑ All materials shall not be faxed.
(1) All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority.
Remarks:
1. All materials need A4 paper, and materials that are not A4 paper can be pasted on A4 paper.
4. Every copy should be clear.
3. Writing should be neat and standardized, and written with carbon ink or black pen.
4. The seal on each material must be clear.
All forms should be consistent, not contradictory.
Baidu encyclopedia-student loan
How many "national student loans" can China banks apply for?
China Bank's national student loan quota: the loan quota for full-time undergraduates (including students with second degree and higher vocational education) shall not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
What is the maximum amount of national student loan that China Bank can apply for?
China Bank's national student loan quota:
Before September 3, 20021year, the policy is that the loan amount applied by full-time undergraduates (including students with second degree and higher vocational education) should not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
202 1 Policies after September 3rd Recently, the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Further Improving the National Student Loan Policy (Cai Jiao [202 1] 164), which increased the national student aid from the fall semester of 20021. Full-time college students (including second bachelor's degree, higher vocational and preparatory students) apply for loans of no more than 8,000 yuan to no more than12,000 yuan per year; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. China Bank's national student loan should be used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.
Students who apply for national student loans in Bank of China can apply according to the maximum amount of the New Deal (that is, the maximum loan amount per junior college student is10.2 million yuan, and the maximum loan amount per graduate student is10.6 million yuan).
Students who have applied for (issued) national student loans in BOC can apply for an increase (for example, undergraduate students can apply for a loan of 5,000 yuan to pay tuition and accommodation fees, and they can apply for a living allowance of 7,000 yuan from BOC).
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.