First, the application conditions for student loans are as follows:
1. You need a university admission notice to prove that you are a full-time college student in China, including vocational college students, junior college students, graduate students and students with a second bachelor's degree.
2. Have valid identification, full capacity for civil conduct and China nationality.
3. Be law-abiding, honest and trustworthy, have no bad credit record, and have no violations of laws and regulations.
4. Family conditions are difficult, and relevant supporting documents can be provided. The loan is used for tuition and accommodation.
Study hard to ensure that you can finish your studies smoothly. Application conditions of student loan for college students
6. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete the study;
7 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 repayment obligation according to the regulations, and open a current account in the loan bank.
8. Other conditions stipulated by the lending bank.
Second, the application process and required procedures for college students' loans
Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, and fill them out truthfully and completely. The materials to be submitted include:
1, national student loan application form;
2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);
3. My explanation of the family's financial difficulties;
4, township, town, street civil affairs departments and county education administrative departments to prove their family financial difficulties;
5. Other supporting documents and materials required by the bank or school.
Three. Forms to be filled out by students applying for student loans
1. Apply for a national student loan;
2. Registration form for full-time students with financial difficulties;
3. National Student Loan Registration Form;
4. Questionnaire on students' economic situation with national student loans;
5. Questionnaire survey of college students and families;
6 "China Agricultural Bank Chongqing Branch National Student Loan Application Form (Approval) Form";
7. "Power of Attorney" and "Loan Agreement", only for underage loan students).
Four, the application process of student loans:
1, student application
Students receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.
2, the school institutions to review the loan.
School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.
3, the handling bank for loan approval.
The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.
4. Sign a loan contract with students.
After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
Step 5 issue loans
The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.
Step 6 repay the loan
Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.
Extended data:
There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.
Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.
legal ground
Regulations of the state on the administration of student loans
(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.
(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.
(thirteen) the handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.
(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.
(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students. Loans for poor students are proposed by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.
(16) The handling bank examines and approves the national student loan, and feeds back the list of students who have examined and approved the loan and the amount of the loan to the corresponding student loan management center and school, and the school reports it to the superior student loan management center for the record, and cooperates with the handling bank to strengthen loan management.