1. As determined by the relevant departments, the family is in financial difficulties, and the family income is not enough to pay the basic expenses required for students to complete their studies at school.

2. A natural person of China nationality who has reached the age of 18, has full capacity for civil conduct, has a fixed residence in China and holds valid identity documents.

3. Full-time freshmen or junior college students, postgraduates and second bachelors who have been officially admitted by 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) and have obtained a true, legal and effective admission notice.

4. The loan amount is determined according to the sum of tuition and accommodation fees. The maximum loan amount for full-time undergraduate students (including second bachelor's degree and higher vocational students) shall not exceed 8,000 yuan, and the maximum loan amount for full-time graduate students (including master's and doctoral students) shall not exceed12,000 yuan. Loans are mainly used to pay for students' tuition and accommodation at school.

5. Students don't need to repay the principal during their study in school, and all the interest is subsidized by the financial department. Students who do not continue to pursue their degrees after graduation will begin to repay their interest from 65438+February of the year of graduation. Three years after graduation (the first year of graduation) is a grace period, and you only need to pay interest, not principal. In the fourth year of graduation, I began to repay the principal and interest of the loan.

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1. Identity documents of college student loan applicants and their spouses (including original resident identity cards, household registration books or other valid residence permits) and proof of marital status;

2, the student loan applicant's personal or family income and property status and other repayment ability documents;

3. The business license of the college student loan applicant and the business license of related industries, as well as the relevant agreements, contracts or other materials for the purpose of the loan;

4. Guarantee materials for college student loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) thing issued by the appraisal department recognized by the bank.