Hello, landlord

I. Application conditions

(a) the national student loan is applicable to full-time undergraduate and junior college students who have financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province).

(2) At the same time, students applying for loans must meet the following conditions:

(1) Having full capacity for civil conduct (minors must obtain the written consent of their legal guardians);

(2) Abide by the law and have no illegal acts;

③ Good academic performance;

(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 Honesty and trustworthiness;

⑥ Can provide guarantees that meet the requirements of banks;

⑦ Open a current savings account in ICBC;

Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.

Second, the application procedure

1. Students who apply for loans should apply for loans from their school with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their school, and banks do not directly accept students' personal loan applications);

2. Receiving applications for national student loans;

3, apply for the national student loan commitment and other related materials, and truthfully fill in.

4. According to the students' difficulties and the loan amount determined by the state, the school will examine the qualifications of students applying for loans and send them to the handling bank for approval, and the bank will sign a loan contract with the students;

5. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.

Three, to apply for a loan must provide materials:

(1) My valid identity certificate and photocopy (minors must provide valid identity certificate of legal guardian and written proof that the parties agree to the loan).

(2) provide proof of income of major family members or income obtained through other channels.

(3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income, and proof of agreeing to guarantee for the borrower;

Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided.

Second, how much can college students borrow?

Undergraduate students are RMB, and each graduate student does not exceed RMB 12000 per year. The loan amount can be determined according to the sum of tuition and accommodation fees.

1. application time and deadline: consult the local funding center. Time varies from place to place.

2. Application conditions: I have obtained a full-time ordinary court financial difficulties to carry out student loans.

3, table to senior high school, village (neighborhood) committee, township (street) civil affairs departments and other units for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, and apply for a loan with the borrower (student's origin) at the county-level financial aid center.

4. Renewing the loan: I or * * * and any borrower can go to the county rescue center to renew the loan with my ID card and the application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.

Extended data:

Measures of China People's Bank for the Administration of Student Loans:

Sixth student loans are mainly used for school tuition and living expenses.

Article 7 The term of a student loan is generally not more than eight years, and whether to extend it is decided by the lender.

Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.

Ninth student loans can be repaid in advance, can also be repaid with the principal, and can also be repaid in installments (annually, quarterly or monthly). If the principal and interest of the loan are repaid in advance, the interest rate is set and the loan is actually used, the lender will collect the penalty interest according to the regulations.

Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be agreed by the school where the lender or borrower is located and the discount party.

Article 11 After leaving school for various reasons, the lender shall take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.

Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is