Conditions for applying for a national student loan:

(1) has People's Republic of China (PRC) nationality and holds a People's Republic of China (PRC) official identity card;

(2) a natural person with full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(3) Honest and trustworthy, law-abiding, no illegal behavior;

(4) family difficulties, their families are not enough to pay this fee during school.

(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;

(six) meet other conditions stipulated in the General Rules for Loans promulgated by the People's Bank of China;

Second, the application conditions for student loans

First, the conditions needed to apply for student loans

Students from poor families who meet the following conditions can apply for loans:

1, with People's Republic of China (PRC) nationality and People's Republic of China (PRC) identity card;

2. Have full capacity for civil conduct (minors must have the written consent of their legal guardians); Honest and trustworthy, law-abiding, no illegal acts;

3. Study hard and be able to complete their studies normally;

4. Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies;

5. Approved by the school.

Second, the application process of student loans

1. Students should submit a written loan application and relevant supporting materials to their college within 10 days after the start of each academic year.

2, each hospital, department (directly under the department) is responsible for organizing students to fill in the loan application form, the national student loan application submitted by students for qualification examination, and according to the requirements of the handling bank, the preparation of the national student loan application review information form. The above work should be completed within 20 working days. After the completion of this work, it should be publicized for 5 days to correct the problematic application.

3. The student loan office in the place of origin is responsible for affixing the official seal of the approved application form and the National Student Loan Application Review Information Form within 10 working day, and then submitting it to the handling bank together with the application materials in the form of electronic documents and written documents.

4. The handling bank shall complete the audit within 15 working days after receiving the application materials submitted by the school. After the review, a unified roster of students who have passed the review will be compiled and sent to the school within 5 working days.

5. According to the roster of loan students approved by the handling bank, the school cooperates with the bank to organize students to fill in and sign loan contracts and IOUs, which will be completed within 10 working days.

6. The handling bank will transfer the loans in the first year to the account designated by the school within 20 working days, and the loans in the second and subsequent academic years will be transferred to the account designated by the school within 20 working days after the start of each academic year.

7. After the borrower pays off the loan, the school can handle the relevant formalities for him.

8. 60 days before the borrower graduates, the school organizes the borrower to go through the repayment confirmation procedures at the handling bank, make the repayment plan and sign the repayment agreement.

Extended data:

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 college student loan.