1. How to apply for a student loan When applying for a loan, students should apply to the school loan examination and approval authority and provide necessary information about their family economic situation (generally including my written application, family economic situation questionnaire, proof of difficulties above street level, guarantor guarantee and its actual performance, etc.). ), promise the repayment liability clause, and provide the repayment guarantor. At present, the actual amount of college student loans is generally above 1000 yuan per year. Repayment form of student loan: (1) Before graduation, students will pay off in one lump sum or in installments; (2) After graduation, the work unit will return all the loans to the loan issuing department; (3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years; (4) Graduates' work units can decide to reduce the early repayment according to their work 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. 2. How to apply for a national student loan: Full-time undergraduates, junior college students and graduate students studying in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province) have real financial difficulties. Students applying for national student loans should meet the following conditions: ① they have full capacity for civil conduct (minors must have the written consent of their legal guardians); 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 regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations; ⑥ Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China. Application procedure: the bank does not directly accept the loan application of students at school. Students who apply for a loan must apply for a loan at the designated department (usually the student office) of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials. The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by students is subsidized by the state finance, and 50% is borne by the borrowing students. Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. Flexible repayment of principal and interest can be used to repay the loan in advance, or the interest can be paid off with the principal, or it can be repaid by stages (yearly, quarterly and monthly). The specific repayment method shall be agreed by the lender and the borrower and included in the contract. The repayment time starts from the first year after graduation at the latest. The principal and interest borrowed by students should be paid off within 4 years after graduation. With the consent of the lending bank, the national student loan can be extended, but the state will no longer give interest subsidies after it is overdue.
Second, how to do the specific process of bank student loans?
Student-origin student loan mainly refers to a kind of student loan issued by China Development Bank to eligible freshmen and students with financial difficulties. Eligible students apply on their own. The following is the process of handling student loans that I have compiled. Let's have a look!
What about the bank student loan? 1.
First of all, you should apply to the school and fill in the application form for national student loan of XX Bank. Then the school will make a preliminary examination of your application materials and family economic situation and issue opinions.
PS: CCB does not directly accept the borrower's application for student loans.
2. Acceptance and ratification
After receiving the application form and related application materials sent by the school, CCB will investigate and review your information, and then consider the preliminary examination opinions of the school, plus the adequacy of the total loan amount and other factors.
After the approval results come out, the school will be informed of the list and amount of loans agreed to be issued, and the school will inform the students.
3. Lending
After the loan is approved, the school will organize students to sign the national student loan contract of XX Bank. Tuition and accommodation loans are paid according to the academic year (period) and directly credited to the account opened by the school in China Construction Bank.
The loan for living expenses will be transferred to your current savings account opened in China Construction Bank on a regular basis according to this contract.
4. Post-loan management
Before leaving school, you should sign the Supplementary Agreement on Repayment of National Student Loan with CCB. After signing, the school can go through the formalities of leaving school for you. After leaving school, CCB must also get your contact information. If you are working, you need to have the work information of your company.
5. Loan recovery
The borrower shall repay the principal and interest of the loan according to the provisions of the loan contract and supplementary agreement. If the repayment is made in advance, the relevant procedures need to be handled in accordance with the regulations of CCB.
Questions and answers related to student loans: How do borrowers repay when they go to work in other places after graduation?
Answer: For example, if a borrower works in Henan Province after graduation, he can go through the repayment procedures at any branch of the Agricultural Bank of China in the province. If you work outside the province, you can remit money to my special national student loan account in advance through the branch of the agent bank (Agricultural Bank of China), and the agent bank will take the initiative to collect it from the account when the loan expires.
Q: Under the new mechanism, can the national student loan be paid off in several installments?
A: No. The loan should be paid in one lump sum.
Third, how to apply for a bank with a student loan of more than 6,543,800+?
The process of handling student loans:
The loan acceptance department applies for a loan;
Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;
Review the materials. When the borrower and * * * go to the student financial assistance management department of the county (city, district) education bureau where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the county education bureau;
Sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;
Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. Within 30 days after registration, if the student financial assistance management department of the Education Bureau does not receive the receipt (no later than 65438+1October 30), it will be deemed that the student has cancelled the loan application;
Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;
Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.
Application materials for student-origin student loan:
Apply for a national student loan;
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);
My explanation of the family's financial difficulties;
Proof of family financial difficulties issued by the relevant departments where the students' families are located. Students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them;
Other information required by the bank.
Four, 65438+ ten thousand yuan loan?
If you are in Beijing, we can apply for a credit loan from the bank for you, up to 200,000 years, or apply for a real estate mortgage loan, up to 10 years, and there is no charge for failure! Please call 1352 1379795 if you have any questions.