China Construction Bank has a college student loan business, so college students can borrow money from the Construction Bank, and the loan given by the Construction Bank to college students is a college student loan. To apply for a national student loan from CCB, you don't need to apply for loan guarantee or mortgage, but you must promise to repay the loan on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school about the specific matters of handling the national student loan. After reporting to the school, you can apply to the bank through the school.
The materials to be provided at the time of application are: an application for a national student loan; Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located.
As long as you meet the requirements, you can apply for a loan in China Construction Bank. What you need to note is that the national student loan interest rate is implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. In the new loan contract signed in 2009, the interest of the loan students during their study in school is all subsidized by the financial department, and the interest after graduation is paid in full by the loan students themselves. According to their personal income after graduation, students choose the time to start repaying the principal within 1 ~ 2 years after graduation and pay off the principal and interest within 6 years.
1. CCB student credit card application conditions:1Full-time undergraduate students who are over 8 years old, have full civil capacity and can provide personal identification need to apply for a university student credit card. You can submit the application directly through the CCB outlets near the school.
2. Information required to apply for a CCB student credit card: generally, a copy of the ID card and student ID card is required when applying (freshmen can use the admission notice instead of the student ID card). According to the regulations of the China Banking Regulatory Commission, college students who have reached the age of 18 must implement the second repayment source when applying for a card. The fees charged by CCB shall be reported to the Price Bureau and the regulatory authorities to standardize the pricing. For all the charging items, CCB will make an announcement through various channels to facilitate your inquiry at any time. For example, to apply for a CCB credit card, the collection agreement on the back of the application form lists various charging standards of CCB; At the same time, you can also log in to CCB official website for inquiry.
3. Inquiry on credit card limit of CCB students: Credit limit refers to the maximum overdraft limit of credit cards, which can be enjoyed by RMB and * * *, the main card and the auxiliary card * *, and all credit cards in your name * * *. Your initial credit limit can be inquired through the card letter mailed with the card. In addition, you can also inquire about the credit limit in the following ways:
1, after real-name registration on the credit card website.
2. Inquire through "Account Inquiry Service" on the homepage of CCB website and select "Credit Card Inquiry".
3. Inquiries should be made through personal online banking on the website of CCB.
4. Edit the message "the last four digits of 3 13# or the last four digits of CCED#" and send it to 95533 for inquiry.
5. WeChat pays attention to "China Construction Bank" and makes an inquiry after binding the credit card.
6. Use a credit card to inquire at the self-service terminal of CCB.
Why are there only ICBC and CCB as banks for student loans?
Because ICBC and CCB are banks designated by the state, it is easy to operate!
According to the relevant provisions of the current state grants, students who meet the conditions of state funding can enjoy state grants and tuition-free subsidies. Scholarship standard: 2000 yuan/person/year per student, and you can enjoy two academic years; Tuition-free subsidy standard: 2000 yuan/person/year, you can enjoy three academic years); Excellent students can enjoy a national scholarship of 6000 yuan. State grants are divided into spring semester and autumn semester, and are generally distributed in the last two months of each semester. The specific release time is different for each institution. Grants will generally issue special secondary vocational subsidy cards to give money directly to students. Generally, students are required to provide a grant application form, a copy of student ID card and a copy of household registration book. If the student's household registration is not a poverty-stricken contiguous area issued by the state, the student also needs to provide proof of family economic poverty.
The Federal Student Financial Assistance Scheme provides financial support for students enrolled in qualified higher education institutions to pay tuition fees. Higher education institutions include four-year or two-year public or private higher education schools, vocational colleges or business schools. School fees include tuition and fees, room and board, books, school supplies and transportation expenses. Most federal grants are based on needs. There are three most common types of federal grants: scholarships, loans and work-study grants.
A scholarship is a grant that does not need to be repaid. Generally speaking, scholarships are for undergraduates, and the amount of scholarships depends on the demand, admission fees and admission status.
The loan must be repaid with interest. Both college students and graduate students can borrow money, and parents of students can also lend money to college students who cannot stand on their own feet financially. The maximum loan amount depends on the student's school time. "Federal government loans" are for students. PLUSloans are lent to parents of students. There are two kinds of them:
1, "Direct Loan" or "Federal William Ford Direct Loan Program (WilliamD)". FordFederalDirectLoanProgram: funds borrowed directly from the federal government by eligible students or their parents in participating universities. DirectPLUSLoans includes DirectStaffordLoans, PLUSLoans and DirectConsolidationLoans.
"2. Federal loans for family education; ; FFEL): A loan provided by a private lending company, but the loan is guaranteed by the federal government. These words include "FFELStaffordLoans", "FFELPLUSLoans" and "FFELConsolidation".
FederalPerkinsLoans loans are provided by participating universities to students who need low-interest loans most. The loan must be repaid to the school. College students can borrow up to $4,000, and graduate students can borrow up to $6,000.
What are the application conditions for student loans of CCB? Seven conditions need to be met!
With the increasing emphasis on education, as long as you want to go to school, your family can generally realize your dreams through loans, and with the support of relevant national policies, student loans are becoming more and more popular. As one of the four state-owned banks, CCB naturally has student loans, so what application conditions do CCB need to meet for student loans? Here are seven main points, let's take a look!
1. My family and I have financial difficulties, which have affected our normal study and life.
2, with legal identity documents and student ID cards or admission notice, colleges and universities must sign the "individual student loan cooperation agreement" with the Construction Bank.
3. There is a student's parent or teacher, a classmate and two witnesses, and borrowers are not allowed to witness each other.
4. The borrower must be a registered student above junior college, and the guardian's consent is required for those under the age of 18.
5. Be law-abiding, have good moral character, can complete their studies normally, and CCB's personal credit rating has reached the credit rating recognized by CCB.
6. Being able to provide a guarantee recognized by CCB, and family members can be guarantors.
7. Other conditions stipulated by the Construction Bank.
The following are seven points about the "application conditions for student loans of CCB". I hope you can understand after reading it. It is not excluded that CCB also requires other conditions, but generally speaking, as long as the above points are met, the loan application can basically be submitted.
What about the student loan of CCB? The ultra-detailed processing flow is here!
All major banks provide loan services for students who need to apply for student loans. Among them, CCB's large loans have been receiving much attention. CCB is one of our common banks. We all know that the process of handling loans is troublesome, but in fact, as long as the process is clearly understood, it will be much easier to handle. So what are the procedures for the student loan of CCB to introduce you?
1. application
First of all, you should apply to the school and fill in the Application Form for National Student Loan of China Construction Bank. Then the school will make a preliminary review of your application materials and family economic situation and give opinions.
PS: CCB does not directly accept the borrower's application for student loans.
2. Acceptance and ratification
After receiving the application form and related application materials sent by the school, CCB will investigate and review your information, and then consider the preliminary examination opinions of the school, plus the adequacy of the total loan amount and other factors.
After the approval results come out, the school will be informed of the list and amount of loans agreed to be issued, and the school will inform the students.
3. Lending
After the loan is approved, the school will organize students to sign the national student loan contract of China Construction Bank. Tuition and accommodation loans are paid according to the academic year (period) and directly credited to the account opened by the school in China Construction Bank.
The loan for living expenses will be transferred to your current savings account opened in China Construction Bank on a regular basis according to this contract.
4. Post-loan management
Before leaving school, you should sign the Supplementary Agreement on Repayment of National Student Loan with CCB. After signing, the school can go through the formalities of leaving school for you. After leaving school, CCB must also get your contact information. If you are working, you need to have the work information of your company.
5. Loan recovery
The borrower shall repay the principal and interest of the loan according to the provisions of the loan contract and supplementary agreement. If the repayment is made in advance, the relevant procedures need to be handled in accordance with the regulations of CCB.
Regarding "How to do the student loan of CCB", I would like to introduce the detailed loan process here, hoping to help everyone. I suggest that you must prepare all the relevant information before handling it, so that it can be handled faster and save a lot of time and energy.