(A) the national student loan campus bank
Full-time junior college students (including higher vocational students), second bachelor's degree students and graduate students with financial difficulties in their families apply for national student loans from the handling bank through the Student Financial Assistance Office of our school.
1. Application conditions
Full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:
(1) Family financial difficulties;
(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;
(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
⑤ Study hard and you can finish your studies normally.
2. Application materials
After the start of the new school year, students apply for loans from banks through schools. The following materials are required:
(1) national student loan application;
(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing 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.
3. Application amount
In principle, the maximum per person per academic year is no more than 6000 yuan.
4. Lending approval
The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
Step 5 lend money
The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.
6. Loan interest
The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.
7. Repayment period
According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.
8. Consequences of breach of contract
(1) If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the default repayment amount shall be charged with penalty interest;
② The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans;
(3) For borrowers who are seriously in arrears in repayment, the relevant administrative departments and banks will publish their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels;
(4) Lenders who seriously breach the contract will also bear relevant legal responsibilities.
(B) Student-origin credit student loans
Full-time junior college students (including vocational college students), second bachelor's degree students and graduate students with financial difficulties in their families apply for national student loans through the student financial assistance management institutions in the counties (cities, districts) where their household registration is located (in some areas, they apply directly to relevant financial institutions). Students and parents are * * * borrowers, and both parties are responsible for repayment.
1. Application conditions
(1) with China nationality;
2 Honest and trustworthy, law-abiding;
(3) Freshmen who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice, or undergraduates, graduate students 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, 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.
2. Handling procedures
Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.
3. Loan amount
The loan amount applied by the borrower for each academic year shall not exceed 6,000 yuan in principle.
4. Loan interest
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).
5. Repayment period and repayment method
In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.