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.

Extended data:

Loan form

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.

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.

classify

Commercial credit loan

(a), apply for student credit student loans should have the conditions

1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.

2. Freshmen or students who have been officially admitted to 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.

3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).

4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:

(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).

(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).

(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).

(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).

(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).

(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).

(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).

(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).