1, loan application procedures. Borrowers need to register in the student online system of China Development Bank, then input information and print the application form.
2. Certification procedures. Borrowers need to apply for proof of family financial difficulties.
3. Review procedures. Borrowers and * * * borrowers need to go to the county-level financial aid center and submit loan application materials such as student ID card, admission notice and ID card.
4. Sign the contract. If approved, you can sign a loan contract.
5. Go through the receiving formalities. The funding center issues the acceptance certificate, and students need to go to the school to get it, so that the school teacher can enter the electronic receipt.
6. Verify the loan amount. After the receipt is entered, the loan will generally be released in mid-June 165438+ 10. Students can verify the loan amount after the receipt.
College students are people with full capacity for civil conduct; Personal credit status is good and has certain repayment ability; There is a clear and legal loan purpose; The loan amount, term and currency are reasonable.
1. What are the procedures for student loans?
A few days before the start of the new semester, students need the following information to go directly to the window where their school specializes in student loans:
(1) national student loan application;
(2) Copy of student ID card, ID card/household registration book (minors must provide valid identity certificate of legal guardian and written statement agreeing to apply for loan);
(3) Questionnaire survey of college students and families verified by the township or street civil affairs departments.
Second, apply for student loans.
College students applying for student loans should be full-time junior college students, vocational college students, graduate students or master students, and must be citizens of People's Republic of China (PRC) (except Hongkong, Macau and Taiwan Province Province) and have poor families.
Third, the conditions for handling student loans.
To apply for a student loan, you must meet the following conditions:
(1) is a citizen of People's Republic of China (PRC) and has an ID card (if the guardian does not have an ID card);
(2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
(3) Honest and trustworthy, law-abiding, no illegal behavior;
(4) Being able to complete their studies normally;
(5) The funds raised due to family financial difficulties are not enough to pay for their basic study and living expenses (including tuition, accommodation and basic living expenses) during their school study.
Fourth, the loan amount of student loans.
The general student loan amount is between 1, 000-6,000, and each school requires students to pay it off six years after graduation according to their own situation. The interest generated shall be borne by the students and the state 50% respectively. When handling, you should fill in the "Application Form for National Student Loan", "Commitment Letter for National Student Loan" and the supporting materials provided by the street or administrative village.
Verb (abbreviation for verb) school audit
After being audited by the relevant departments of the school, students can go to the designated bank with relevant materials recognized by the school and sign relevant loan contracts with the bank.
Sixth, the repayment method of student loans.
When signing the contract, you should read it clearly. There are various repayment methods on it, which are usually paid off within six years at most. If the repayment period is up, you can apply to the bank, but the state will no longer bear the corresponding interest subsidy in the next period.
To sum up, the process of student loan is not complicated. But not all college students can get loans. College students who meet the conditions of student loans should bring the application for student loans, the letter of commitment and the proof of family difficulties to the school to hand in the materials, and sign a loan contract with the bank after passing the examination. If you want to know more knowledge, you can consult relevant lawyers.
Legal basis:
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
Article 13
After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.