In principle, the loan amount applied by the student-origin student loan borrower per academic year shall not exceed 8,000 yuan. According to the regulations of China Development Bank, undergraduate students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees. The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
2. The maximum amount of national student loans that can be applied for in the student's place of origin each academic year is: √.
B
3. Can poor college students apply for a student loan of up to 8,000 yuan per year?
Students from poor families can apply for national student loans to solve tuition and accommodation fees. The maximum application amount for each junior college student per academic year is no more than 8000 yuan. The interest of student loans during their study in school is fully subsidized by the financial department, and the interest after graduation is paid in full by the loan students themselves. In principle, the repayment period shall be determined according to the academic system plus 13 years, and the longest period shall not exceed 20 years. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. National student loans include student-origin credit student loans and national student loans at school. The specific handling methods in our province are: student loans (undertaken by rural credit cooperatives and Hebei Branch of China Development Bank). The loan targets are full-time college students (including higher vocational and second bachelor's degrees) and graduate students with financial difficulties in Hebei Province. Loan method: it shall be handled by the rural credit cooperative union of the county (city, district) where the student's household registration is located or the county-level student financial assistance management center. Application method: Before the start of the new semester, students should log on to the website of Hebei Rural Credit Cooperative Student Credit Loan Management System () or the website of China Development Bank Student Credit Loan Management System () and fill in a unified loan application form. Students and parents apply to the county-level education department where the household registration is located. Campus student loans (undertaken by Hebei Branch of China Development Bank, currently only carried out in 28 provincial public universities) are for full-time college students (including higher vocational and second bachelor's degrees) and graduate students with financial difficulties. Related Q&A: How much interest should the student loan of 8000 be repaid? Interest: 1, six months, including six-month loan of 5.60. 2. Half a year to one year includes 1 year loan of 6.00. 3. One to three years including three-year loans 6. 15. 4. Loan 6.40 Three to five years, including five years. 5. Loans over five years 6.55. Loan interest rate: the benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance 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. Students' interest during school is fully subsidized by the financial department, and the interest after graduation is borne by the students themselves, their parents or other legal guardians. 1. Students' interest during school is fully subsidized by the finance. 2. Interest after graduation: the maximum annual interest is 6.558000=524 yuan. Student-origin credit student loan: Student-origin credit student loan refers to loans granted by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students, parents or other legal guardians apply to the student financial assistance management center or financial institution in the county or city where the students are registered. Student loans help students from poor families pay for tuition and accommodation during their studies at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The student, parents or other legal guardians are * * * and the borrower, and * * * is responsible for repayment. Application conditions: ① Possession of China nationality. (2) Honest and trustworthy, law-abiding. (three) according to the relevant provisions of the state, approved the establishment of full-time undergraduate colleges, higher vocational schools and colleges to implement higher education, including private colleges and independent colleges. The list of schools is subject to the official admission announced by the Ministry of Education, and freshmen who have obtained a true, legal and effective admission notice or undergraduates, postgraduates and second bachelor's degree students studying in colleges and universities. ④ Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county, city and district. ⑤ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.
4. What is the longest academic year to apply for a student loan?
The maximum loan amount per student per academic year does not exceed 6000 yuan.
What materials do I need to provide to apply for a national student loan?
Application for national student loan;
1. 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);
3. My explanation of the family's financial difficulties;
4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
loan rate
Student loans shall be subject to the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year.
The annual interest rate of each loan is%
6 months
5.85
1 year
6.3 1
1-3 years
6.40
3-5 years
6.65
More than 5 years
6.8
Repayment method
(1) Students shall pay off in one lump sum or in installments before graduation;
(2) After graduation, students can look at their own movable funds to repay the loan;
(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;
(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;
5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.
Materials required:
(1) The reasons for the application should include the family's financial situation. It should not be too simple, but it should be written sincerely. Application for national student loan:
(2) The written content cannot contradict the content in other materials.
(3) The application cannot be changed.
2. College students and families questionnaire:
(1) The handwriting of this questionnaire shall not be changed, erased or added.
2. It must be filled in with a carbon pen or a black signature pen.
(3) build the official seal of the civil affairs department.
The official seal of the civil affairs department must have the words of civil affairs (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid.
Note: If the local civil affairs department is revoked for some reason and changed into the Social Affairs Department, it can be stamped with the seal of the Social Affairs Department, but at the same time, the local government (at or above the township level) should issue an explanation of this situation.
(4) The names of the loan students themselves and their parents must be exactly the same as those on their respective ID cards.
5] The poverty certificate shall indicate the specific population of the family.
If the family population includes grandparents, and the father or mother of the loan student is an only child, an only-child certificate must be provided. If the parents are not only children, the alimony shared by the parents shall be calculated as family expenses.
Married brothers and sisters are generally not included in the family population.
Grandparents had better not be included in the family population.
The per capita monthly income of families is lower than that of 350 yuan. If brothers and sisters are counted in the family population, if they have income, their income should be counted.
(7) The population in the questionnaire should be consistent with the population in other data and should not be inconsistent or confused.
Divorcing parents should fill in the names of both parents in the questionnaire.
3. A copy of the identity cards of the father and mother;
(1) If the ID card has expired, you can use a copy of the household registration book (with the ID number of your parents on it) to replace it with a fresh seal of the police station.
(2) If the parents are divorced, provide the parents' divorce agreement (or judgment) and copies of their parents' ID cards.
Note: If the divorce agreement or judgment is inconsistent with the actual child support, it should be indicated in the corresponding documents.
(3) If one parent (or both parents) dies, the deceased shall be indicated in the poverty certificate, and a death certificate with fresh seal shall be issued by the police station.
The death certificate shall at least include the following contents: the father or mother of xxx (the name of the borrower) died on X, X, X, and finally the public security organ shall affix the special seal for household registration of the police station.
4. Student ID card and copy of student ID card:
A copy of the student ID card should be stamped with the seal of the Student Financial Assistance Center. (handled by the Student Affairs Office)
5. Copies of ID cards of two witnesses:
Of the two witnesses, 1 is a school teacher and 1 is a school classmate.
6./kloc-Students under the age of 0/8 will not be granted loans.
Employment certificate and low guarantee are not necessary materials for applying for a loan, but it will be easier to apply for a loan if the above documents are provided.
⒏ For students who have already applied for credit cards, the bank will not issue loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for credit cards, and the data records in the bank credit information system are incorrect".
(9) The national student loans provided by China Agricultural Bank and other banks shall be applied once and distributed year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.
⒑ All materials shall not be faxed.
(1) All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority.