1. Application conditions for student loan: 1, with full capacity for civil conduct; 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 provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank. 6. Other conditions stipulated by the lending bank. 2. The materials to be submitted for applying for the national student loan: 1, and the necessary information about the financial situation of myself and my family (generally including my written application, family financial situation questionnaire, proof of difficulties above the street level, letter of guarantee from the guarantor and my actual performance, etc.). ); 2, commitment to repay the loan liability clause; 3. Provide loans to repay the guarantor. Iii. Application process of student loan: 1. Students apply for the national student loan application approval form and other materials, fill in truthfully and completely, and prepare relevant supporting materials and return them to the school's national student loan agency. 2. The school institution conducts the loan preliminary examination. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. 3 handling bank for loan approval. The handling bank shall complete the audit within 20 working days after receiving the Information Form and application materials submitted by the school. 4. After the loan application for signing a loan contract with students is approved, the school will organize students to fill in, sign a loan contract and an iou within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank. 5. Within 20 working days after signing the loan contract and receipt with the borrowing student, the loan issuing handling bank will uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank. 6. Repaying the loan After completing their studies with the student loan, students should pay attention to their own credit and repay the loan on time. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.
How to apply for a student loan
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.
How to handle the student loan for going to college soon?
China Bank's national student loan application process:
1, offline mode:
(1) Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.
(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.
(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application stamped with the official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send 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 10 working days according to the regulations after receiving the "Information Form for Examining Students Applying for National Student Loans" and application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The audit of the handling bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.
(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.
(6) The handling bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.
(VII) Institutions of higher learning should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs recognized by the handling bank.
(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 10 working days, complete the review of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.
2. Online mode: After May 29, 2022, the policy will resume online channel application:
(1) If online mode is adopted, it shall be approved by the bank first, and then by the university.
(2) After receiving the student's application, the handling bank shall review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.
(3) The undertaking institutions of colleges and universities should examine the authenticity of students' family financial difficulties qualifications and enrollment registration. At the same time, according to the amount of tuition and accommodation required by students, the amount of loans applied for will be reviewed and adjusted. The undertaking institution of a university shall complete the examination and approval through the Shang Yi _ National Student Loan System of China Bank within 20 working days after receiving the application for student loan approved by the bank. Colleges and universities can complete the loan review in batches.
(4) After being approved by the handling bank and the university undertaking institution respectively, both parties organize students to sign loan contracts in mobile banking, and then enter the loan process after signing the contracts. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the personal mobile banking of China Bank signs the loan contract, the handling bank shall prepare a student list page, which shall be sealed by the university undertaking institution, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the personal mobile banking terminal of China Bank and submit it to the organizer of the university.
Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.
The above contents are for your reference. Please refer to the actual business regulations.
Here's how to apply for a college student loan.