Writing:

Family financial difficulties, really unable to bear the tuition and living expenses during school; Law-abiding, good conduct; Live frugally, without bad living habits and extravagant consumption behavior; Study hard; Actively participate in social services and charitable activities; Earnestly fulfill the requirements and obligations put forward by the organizer.

Loan target:

Full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).

Loan terms:

1, with People's Republic of China (PRC) (PRC) nationality; Honest and trustworthy, law-abiding.

2. Freshmen, postgraduates and students with a second bachelor's degree who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice.

3. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district).

4. The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.

Matters needing attention in loan:

1, loan amount

The upper limit of the national student loan is raised to 12000 yuan for undergraduates and preparatory students, and 16000 yuan for postgraduates, which is an integer between 1000 and 12000( 16000). In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.

2. 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.

3. Discount policy

According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively.