1, * * * The borrower should be the borrower's parents. If both parents go out to work, the parents can entrust their close relatives as * * * borrowers, but they need to issue a power of attorney (see the annex for a sample format, and submit 1 original and photocopy respectively, and parents of students should mail the power of attorney as soon as possible).

2. The borrower who fills in the application form and the borrower who signs the contract must be the same person.

3. The borrower and the borrower shall sign the loan contract at the same time. For college students who renew their contracts, if the borrower and the borrower cannot be present at the same time for some reason, one of them may entrust the other party to handle it on their behalf, but a power of attorney shall be submitted (see the annex for a sample format, with 65,438 originals and 0 copies).

4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application.

Materials needed to apply for national student loans:

1, national student loan application:

2, college students and family situation questionnaire:

3. A copy of the identity cards of the father and mother;

4. Student ID card and copy of student ID card:

5. Copy of ID cards of two witnesses: two witnesses 1 are school teachers and 1 are school classmates.

6. Student banks under the age of 18 will not grant loans.

7. Employment certificate and low guarantee are not necessary materials to apply for a loan, but it will be easier to apply for a loan if the above documents are provided.

8. For students who have already applied for a credit card, the bank will not grant loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for a credit card, and the data record in the bank credit information system is incorrect".

9, China Agricultural Bank and other banks to provide national student loans to implement an application, issued year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.

10, all materials shall not be faxed.

1 1. All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority.

Overdue treatment:

I applied for a student loan when I was in college, and now I have graduated from work. I need a loan to buy a house and do a credit card, only to find that I have bad credit.

Due to negligence, many students who apply for student loans have left bad credit records, and many students who fail to repay interest after the deadline are caused by ignorance of policies.

The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation.

Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal.

However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report.

This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.