The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities in China. Financial discount, a bank loan operated by banks, education administrative departments and universities, is used 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. Borrowing students are generally used to make up for the lack of tuition, accommodation and living expenses during their studies at school, and they will be repaid in installments after graduation.

The objects of national student loans are: poor college students;

It is characterized by

(1) The borrower only needs to bear 50% of the interest, and the remaining 50% will be paid by the finance.

(2) Poor student loan borrowers do not need to provide guarantees.

(3) The loan term is long, up to 9 years.

(4) The borrowing procedure is very convenient. The loan is a national student loan, which was promoted by the People's Bank of China, the Ministry of Education and the Ministry of Finance in May this year.

The condition is: in the face of direct payment from colleges and universities, there is no restriction on student accounts.

Which universities have carried out the work of national student loans?

All public full-time colleges and universities should adopt the same policy as cooperative banks, that is, national student loans. In addition, some private colleges and universities have carried out national student loans and know the relevant instructions in the book.

What are the general requirements for applying for a national student loan?

1. Full-time undergraduates (including higher vocational students), postgraduates and students with second bachelor's degree;

2. Holding a People's Republic of China (PRC) national identity card;

3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

4. Law-abiding, no illegal acts;

5. Finish school forever;

6. Basic income and expenditure (including tuition, accommodation and basic living expenses) that can be obtained due to family financial difficulties during school.

How many national student loans can students apply for each academic year?

The maximum loan amount per student per academic year does not exceed 6000 yuan.

How to apply for state subsidies

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 students who apply for national student loans usually need to provide?

1. Apply for a national student loan;

2. Copy of my student ID card and resident ID card (minors must provide proof of legal intention when applying for loans);

3. Ben;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Who will review and approve students' applications for national student loans?

To examine the qualifications of the national student loan application submitted by the school and verify the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

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

After the student loan is checked and approved by the bank, the school will organize students to fill in and sign loan contracts and IOUs. The school shall notify the parents or legal guardians of the students who have borrowed from the school.

How to issue national student loans

The handling bank shall, within the signing of the loan contract, transfer the tuition, accommodation and living expenses loans for the first academic year to the account designated by the school, and the tuition, accommodation and living expenses loans for the second and subsequent academic years shall be transferred to the account designated by the school within 20 working days after the start of each academic year. The school should be responsible for the loan of monthly living expenses.

Who will supervise the use of student loans?

The school is responsible for supervising the use of student loans, and the handling bank can learn about the loans from the school.

Repaying the national student loan

Generally speaking, borrowing students should pay off the loan principal and interest within six years after graduation. The state encourages borrowing students with better income after graduation to pay off the loan principal and interest in advance. For the loan contract signed before August 2004 (including the repayment plan for graduates), it is generally stipulated that the borrowing students graduate.

What is the interest rate of the national student loan?

Implement the legal loan interest rate announced by the People's Bank of China. The current annual interest rate of the loan is: 5.76% for one to three years; 5.85% for three to five years; More than five years is 6. 12%.

How does the national finance subsidize the interest of the national student loan?

The national student loan interest of the borrower during the school period is fully subsidized by the state finance; The borrower's interest and penalty interest after graduation shall be paid in full by the student himself. For the loan contract signed before August 2004, half of the interest during the normal loan period shall be borne by the state finance and the other half shall be borne by the students themselves.

What if the borrowing students don't need a loan halfway?

During the school period, if the borrower does not need a loan due to the improvement of economic conditions, he can submit a written application to the bank to terminate the loan through the school before the loan 10 of the current year. With the consent of the bank, students go to the bank to go through the formalities for changing the loan contract.

How to handle the national student loan for borrowing students who transfer to other schools?

Borrowing students must pay off the loan principal and interest in the original handling bank before the school can handle the transfer formalities for them.

What procedures do borrowing students need to go through with the bank after graduation?

1. Before the borrower leaves school, the school should organize the borrower to go through the repayment confirmation formalities at the handling bank, make the repayment plan and sign the repayment agreement. After the borrower and the handling bank go through the above procedures, the school can go through the graduation procedures for them.

2. For students who continue to study for their degrees after graduation, they should apply to the original school for extension before graduation, and provide relevant certificates for continuing to study for their degrees.

When did the borrowing students start to repay the national student loan?

Borrowing students need to pay the loan interest in full after graduation. The handling bank allows the borrowing students to repay the loan principal in any month within 24 months after graduation according to their employment and income level. Specific repayment matters, by borrowing students in the repayment confirmation procedures to the handling bank for approval. After the approval of the original school, the original handling bank will handle the extension formalities for it.

How do borrowing students repay the national student loan?

Banks usually design two repayment methods for borrowing students: equal principal and interest repayment method and average capital repayment method. Matching principal and interest repayment method: the amount of principal and interest in each period is equal, and the repayment pressure is evenly distributed; The repayment method of average capital, the repayment amount in each period is more at the beginning, and the repayment amount in each period is less later, and the repayment pressure is tight before it is loose. The total principal and interest paid by the equal principal and interest repayment method is slightly higher than that by the average capital repayment method.

Can borrowing students repay in advance?

Borrowing students can repay part or all of the loan in advance during the loan period, but they must submit a written application to the bank in advance. Interest is charged on the principal repaid in advance according to the interest rate agreed in the contract and the actual use days.

What will happen to students who default on loans?

1. If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the repayment amount, and load the breach into the credit information system of the financial institution, and the financial institution will no longer handle new loans and other credit businesses for it.

2. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will announce their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels.

3. The defaulter shall bear relevant legal responsibilities.

You can apply by stages with golden beans, and I hope it will be adopted.

Second, Alipay student loan requirements?

Application materials:

Application for national student loan;

1. 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);

3. My explanation of the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

3. What are the conditions for a university to apply for a student loan?

To apply for a student loan, college students need to meet the following requirements:

At least 16 years old, with full capacity for civil conduct (written consent of legal guardian is required for minors to apply), holding People's Republic of China (PRC) identity card.

2. Full-time undergraduate students (including higher vocational students) in ordinary colleges and universities, or students with second bachelor's degree or graduate students, have obtained a true, legal and effective admission notice or can provide a student ID card issued by the school.

3. The family is in financial difficulties, and the income obtained is not enough to pay for the tuition and accommodation needed to complete their studies during their school days.

4. Honest and trustworthy, law-abiding, no illegal behavior.

And students need to study hard and finish their studies. Student loans do not require borrowers to apply for loan guarantees or mortgages, as long as they promise to repay on time and bear relevant legal responsibilities. Students who want to renew their loans in the second year can apply directly in official website and print the receipt to the school.

4. What information do I need to apply for a student loan? What conditions?

This is the requirement of Shenzhen University:

I. Qualifications of the applicant (student):

1. Full-time undergraduate students at school;

2. Have full capacity for civil conduct (at least 18 years old);

3. The family is in financial difficulties, and the income earned during the school period is not enough to pay for the basic expenses needed to complete their studies;

4. study hard;

5. Honest and trustworthy, law-abiding, no violation of laws and regulations.

Materials to be submitted for applying for national student loans

1. National Student Loan Application Form (to be filled in online, printed online after registration, and signed by the counselor to confirm that the information is true and correct).

2. The original of "Shenzhen University Students with Financial Difficulties in 20 1 1 year" (the "Questionnaire" must be stamped by the civil affairs department at or above the county level)

3. Student transcripts (freshmen do not need to provide transcripts; The transcripts provided by old classmates must be "semester transcripts" issued by the school's academic affairs office, and "printed transcripts on campus" cannot be used. If the required course score is "F", if you take the exam again next semester, you should indicate it. If you use other courses instead, you must be certified by the college or the academic affairs office.