Student loans began at the end of September. If you apply for a student loan, you must apply before the deadline.

About student loans.

Students must apply for a loan from the bank through the school after the start of the new school year (the specific time is clearly stipulated by each school), and the bank does not directly accept students' personal loan applications. In principle, the handling bank accepts an application for a national student loan once a year.

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. Qualification examination of county-level student financial aid management application. The bank is responsible for the final approval and issuance of loans.

What are the requirements for applying for a national student loan? What about student loans?

(1 student (including higher vocational students), second bachelor's degree.

(2) Have full capacity for civil conduct (minors applying for national student loans must be stipulated by law.

(3) Be honest and trustworthy, and observe discipline.

(4) study hard and be able to complete their studies normally;

(5) The funds raised by the family economy are not enough to pay for their basic study and living expenses during their study.

The application conditions for student-origin student loans are the same as above, and one item is added:

(6) Personal guardians of students before enrollment are registered in the county (city, district).

Need to apply for a national student loan

1. Apply for a national student loan;

2. I am a minor and must provide proof of legal guardian);

3. I explain the family's financial difficulties;

4 township, town, street civil affairs departments and county education difficulties. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

5. Banks or schools should

School preliminary examination

School institutions shall examine the qualifications of the national student loan application materials submitted by students, and complete the completeness and preliminary examination within 20 working days after receiving the student loan application.

After the completion of this work, the school institutions will carry out a five-day rectification.

After the preliminary examination is correct, the school institution will confirm it with the official seal within 10 working days, inform the students of the audit results, and prepare the Information Form for Student Audit of National Student Loan.

Bank approval

The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days. The school institution will return it to the borrower for safekeeping within 5 days after receiving it.

sign a contract

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.

Sign a contract with the handling bank

The handling bank shall complete the signing work within 15 working days after receiving the loan contract and iou submitted by the school, and deliver the signed loan contract to the school institution within 5 working days.

How to sign a national student loan contract with the handling bank?

After the student loan application is reviewed by the school and approved by the bank, the school will organize students to fill in, sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.

provide a loan

The bank will handle a debit card or current passbook for each student.

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. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans every month according to 10.

2. When does the college student loan start?

It is better to consult the school teacher specifically. ...

3. When will the student loan be handled?

The time stipulated by the state for student loans is September, but this is not the case in practice, because there are many things to start school, and it is also troublesome to handle. Just prepare the necessary documents, and fill in the date in September when signing the contract.

Preparation materials for applying for student loans: For students with financial difficulties who need to apply for student loans, please prepare loan materials in advance, including:

(1) certificate of extreme poverty (stamped by the people's governments at least two levels and above at the township, town, county and city, and the certificate must specify the poverty situation of the family in detail. Go to the village Committee to issue a certificate and stamp it.

(2) A copy of the parents' ID card;

(3) a copy of the parents' household registration certificate;

(4) a copy of my ID card;

(5) Transcripts (need to be issued and stamped by the general office of the college. Some schools may have no requirements for grades, but freshmen don't want them;

(6) a copy of the class teacher's ID card; You'll have a counselor when you get to school.

(7) valid bank card (generally need to open an account at the location of the school. The bank tuition payment card issued by the school can be saved by itself);

(8) A written love letter from parents agreeing to apply for a student loan, requiring parents to sign it in person (some schools require it, others do not).

With the above master file, the specific operation time of each school can be different. Some may be completed in the first semester of each academic year, and some may be postponed until the end of the academic year. Not necessarily. No matter when it is completed, the contract is written in September.

4. Can college students get a mortgage? What should I pay attention to?

Ask the bank.