So there are student loans in our country. Next, as an experienced senior, let's talk about this topic. Under what conditions can college students apply for student loans?
First of all, student loans are only suitable for China students, and foreign students cannot apply. This is a financial discount loan for full-time undergraduates, junior college students, graduate students and students studying for a second bachelor's degree in colleges and universities. Students should also understand that student loans are not charity, and money should be paid back. So you must have full capacity for civil conduct and be responsible for this loan. If you have income after work in the future, you must repay it; If you are a minor, you need your parents' written consent. To put it bluntly, it is to ask parents to guarantee. Then, it is your own situation. You must study hard, get good grades and finish your studies normally. Only in this way can we enjoy the low interest rate of student loans. On the other hand, if you don't study well, it will be difficult to find a good job and repay the loan. Those who meet the above conditions must also issue poverty certificates (generally poor households have them). If not, you can go to the street where you were born or the village Committee.
In addition to the poverty certificate, the school has to issue a certificate, similar to a letter of guarantee. However, this is only a nominal guarantee. After all, if the money is not paid in the future, the school will not help you pay it back, which basically plays a recommendation role.
If you want to take a loan to study and meet the above conditions, you can prepare the certificates you need to issue in advance.
Next, talk about the application materials. If you want to apply for a student loan, you must first apply for a loan from the bank through the school after the start of the new school year, and you need to provide the following materials:
Preparation of application materials for national student loans; Copy of your student ID card and resident ID card (for minors, valid identity certificate of legal guardian and written consent to apply for a loan are required); There should be a detailed explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant department of residence. Full-time undergraduate and junior college students can not apply for more than 8000 places every year; Full-time graduate students can't exceed 12000 yuan (the situation of each school is not exactly the same, and some schools can borrow more). The money is not for you to spend indiscriminately, but mainly for tuition and accommodation during school and your living expenses.
Speaking of students here, I asked, how to calculate the loan interest? The loan interest rate is based on the benchmark loan interest rate for the same period stipulated by the People's Bank of China, and does not rise.
How to deal with it? You need to consult the relevant departments of the school to handle the relevant matters of the national student loan, so it's no trouble.
1. Student application.
2 school institutions to conduct a preliminary review of the loan.
3, the handling bank for loan approval.
4. Sign a loan contract with students.
5. Loan issuance.
6. The last step is the repayment of the loan.
After the handling bank signs a loan contract and an iou with you, the bank will uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the bank; The related expenses of the second and subsequent academic years will be transferred to the designated account of the school within 20 working days after the start of each academic year.
The handling bank will also handle a debit card or current passbook for you and submit your list and debit card number details to the school. The purpose of this is to facilitate the school to transfer the living expenses to your account on a monthly basis.
I am a senior, and I have a little suggestion for my brothers and sisters:
When I was in college, it was more difficult at home, that is, I applied for a student loan directly at school. At that time, it was also the advice of other senior sisters, which was very convenient.
Therefore, as I said above, it is recommended to apply for a national student loan directly, also known as a campus student loan, which can be handled at school. There is also a student loan from a student source, which is returned to the student source every year. And you can apply for a loan every year by applying once in school until graduation. Personally, I think it is much more convenient than student loans.