The national student loan is a loan that the borrower applies to the bank through the school to make up for the lack of tuition, accommodation and living expenses during his studies at school and repay in installments after graduation. If necessary, you can contact the school to consult the handling process.
Tips: Peer-to-peer lending has certain risks, so please choose carefully.
Reply time: 2022-0 1-06. Please refer to the latest business changes announced by Ping An Bank in official website.
What is a campus loan?
Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. The survey shows that the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.
Common harm of campus loan: it is a kind of nature, which will breed bad habits of borrowing students. If the loan cannot be repaid in time, the lender will use various means to collect debts from the students, and some criminals will use it to commit other crimes.
Campus loans are usually divided into three types:
(1) A staged shopping platform for college students, such as fun staging, appointment staging, etc. , and some also offer lower withdrawal quotas;
(2)P2P loan platform (online loan platform), which is used to help college students start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;
(3) Credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao, such as borrowing ants and white flowers from JD.COM campus;
What is a college student loan?
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 national student loan.
What about the loan from college students?
College students applying for student-origin credit student loans must meet the following conditions:
(1) A natural person with full capacity for civil conduct.
(2) Have a permanent residence ID card and a detailed address of the school and its department.
(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.
(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.
(5) Other conditions stipulated by the lending bank.
The application process of national student loan: student application → school preliminary examination → bank approval → signing a contract between the two parties → bank granting loans → repayment of loans after graduation.
Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department 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.
What is the meaning of student origin loan for college students?
Student-origin student loan (full name of student-origin credit student loan): refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties (hereinafter referred to as students). Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment. Application conditions: The applicant of the Student Source Credit Student Loan of China Development Bank (hereinafter referred to as Student Source Loan) is a poor family student whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardians) form a * * * relationship with the borrower. (1) The recipients of student-origin student loans must meet the following conditions: (1) They have China nationality; Honest and trustworthy, law-abiding; According to the relevant provisions of the state, freshmen or college students who have been approved to set up full-time ordinary colleges, higher vocational schools and colleges to implement higher education are officially admitted, and have obtained a true, legal and effective admission notice; Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school. Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district). (2) * * * Borrower * * The borrower is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.
How do college students get loans?
1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to 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. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; 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, their parents should be responsible for returning all the loans.
The introduction of college student loans ends here.