Conditions for applying for student loans from rural credit cooperatives:
1, with full capacity for civil conduct;
2, honest and trustworthy, law-abiding, no illegal behavior;
3. Good academic performance and normal completion of studies;
4. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies;
5, strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the obligation to repay the loan according to the regulations, and open a current account in the loan bank;
6. Other conditions stipulated by the lending bank.
Procedures for handling student loans of rural credit cooperatives:
I. Loan application and preliminary examination:
Loan students need to download and fill in the application form of student-origin student loan on the website of their education bureau.
Two. Preparation of application materials:
The applicant holds the completed application form and the proof materials of the required tuition and accommodation fees, and affix the official seal of the school to the Student Financial Assistance Office.
Three, the township (street) civil affairs department audit seal:
The application form for student-origin student loan shall be audited and sealed by the civil affairs department of the township (street).
Four, the local county student financial assistance management center audit seal:
The applicant shall bring the application form, the borrower's and student's ID cards and their photocopies, the household registration book, the student's ID card and its photocopy, the name and account number of the bank where the university opens an account, the proof of the relationship between the student and his parents (or other legal guardians), and other materials specified by the county-level financial aid center and the local county-level student financial aid management center for examination and seal.
Verb (abbreviation for verb) Sign a loan contract:
After the loan is approved by the agency designated by the County Student Financial Assistance Center, the agency will sign a student loan contract with the borrower and * * *.
Six, college confirmation, receipt processing:
Students return to school with the Student Loan Contract and the Confirmation Letter of Student-origin Credit Student Loan, and affix their official seals to the Student Financial Assistance Center of our school to collect them.
Eight. Loan:
After the county-level capital center has audited, the loan will be distributed to the account specified in the loan contract.
Extended data:
The applicants of the Student Source Credit Loan of China Development Bank (hereinafter referred to as Student Source Loan) are students from poor families whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardians) form a * * * relationship with the borrower.
(a) the object of student loan support must meet the following conditions:
1. has the nationality of the people of China;
2. Honest and trustworthy, law-abiding;
3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);
The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.
Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district).
loan application
The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:
1. The borrower and the original and photocopy of the borrower's household registration book;
2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);
3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.
Contract signing
① The local financial aid center examines the application materials, and the township (street) civil affairs department examines and seals them →→→→→→ ② The local financial aid center instructs the borrowing students to open personal accounts in the handling bank →→→→→→→ ③ Signing the loan contract of student-origin credit student loan →→→→→→→→ ④ The local financial aid center issues the receipt of student-origin credit student loan contract.
Contract receipt
① Borrowing students bring the contract receipt to the school → ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the student's county-level financial aid center → ④ The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review.
loan origination
① The handling bank transfers the loan funds to the borrower's personal account→→→→ ② The loan funds are transferred from the personal account to the tuition account of the borrower's school.
Operating rules for the management of national student loans (for Trial Implementation)
Chapter V Loan Application
Fifteenth students can only apply for a national student loan once during their school years, and they must apply to their school within 10 days before and after the start of the new school year.
Sixteenth borrowing students must receive the "Application for National Student Loan" and other related materials from their school with their valid certificates, and fill them out truthfully.
Seventeenth borrowing students must truthfully provide the following materials:
(a) my ID card and a copy (minors must provide valid identification of the legal guardian and written proof of consent to borrow).
(two) to provide proof of income of family members, or proof of income obtained by other channels.
(3) Other materials required by the handling bank.
Chapter VI Approval and Issuance of Loans
Eighteenth schools in accordance with the relevant provisions of the national student loan and the annual loan amount, responsible for the preliminary examination of the qualifications of borrowing students.
Article 19 After receiving a loan application from a borrower, a school shall carefully examine the authenticity of the application content and the supporting materials provided in accordance with relevant regulations; In the first instance of qualified student loan application form stamped with the official seal to confirm, and the preparation of the "national student loan application form" (in duplicate, one for the loan student's school and one for the handling bank).
Twentieth schools received the notice of the national student loan allocation quota issued by the management center, should promptly summarize the following relevant materials and submit them to the handling bank:
(1) List of National Student Loan Applications.
(2) apply for a national student loan.
(3) Other materials required by the handling bank.