1. Students or their legal guardians should apply to the rural credit cooperatives, banks and other financial institutions where their families are located. Location of student-origin student loan: apply to the county (urban) student financial assistance management center or financial institution where the student is studying. 2. The national student loan is a credit loan. 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. After receiving the letter of admission, students can consult the school to handle the national student loan. After students report to the school, they can apply for national student loans from financial institutions through the school.
Second, what department needs to stamp the student loan in colleges and universities?
Spread out completely
1. What is the national student loan? 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. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation. 2. What are the conditions for applying for a loan? 1. Full-time undergraduates (including vocational college students), postgraduates and students with second bachelor's degree who have studied in our school; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) 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. Honest and trustworthy, law-abiding, no illegal behavior, no bad credit behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. 3. 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. The specific loan amount of each student is approved by the secondary college according to the tuition fee, accommodation fee, living standard, the specific difficulty degree of each student and the funded situation. 4. How to apply for a national student loan? Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once every academic year, and banks issue national student loans. 5. What materials do students need to provide when applying for a loan? According to the regulations of the handling bank, students applying for loans must provide thirteen loan application materials, and the following five materials must be provided by the students themselves in addition to those provided by the students themselves and their colleges. (1) The borrower of the national student loan explains the family financial difficulties of the loan application; ② A copy of my student ID card; (3) Resident ID card and its photocopy (minors must provide valid identification of legal guardians and written consent to apply for loans); (4) the borrower's parents' opinions on the loan and their opinions on urging their children to repay the loan on time; (5) Proof of the borrower's family financial difficulties issued by the civil affairs department at or above the township level or above the street level where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. 6. Who will review and approve the student's loan application? The relevant departments of the school are responsible for the preliminary examination of the qualifications of the national student loan applications submitted by students; The bank is responsible for the final examination and approval of student loan applications. 7. How do borrowing students sign the national student loan contract with the handling bank? After the student loan application is audited by the school and approved by the bank, the school organizes students to fill in and sign loan contracts and IOUs according to the notice of the handling bank. After the loan is in place, the school will inform the parents or their legal guardians of the student's application or loan information in time. 8. How to issue national student loans? The handling bank shall, within 20 working days from the date of signing the loan contract, transfer the tuition, accommodation and living expenses loans to the account designated by the school, and the school shall be responsible for issuing living expenses loans to the borrowing students on a monthly basis. 9. Who is responsible for supervising the use of student loans? The school is responsible for supervising the use of student loans, and the handling bank can learn about the issuance and use of loans from the school. 10. What is the repayment period of the national student loan? Generally speaking, borrowing students should pay off the loan principal and interest within six years after graduation. What is the interest rate of the national student loan? The national student loan interest rate is subject to the statutory 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%. 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. 13. What procedures do borrowers need to go to the bank for 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. After the approval of the original school, the original handling bank will handle the extension formalities for it. 14. When did the borrower 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 shall be applied to the handling bank by the borrowing students when they go to the bank for repayment confirmation procedures before graduation, and the handling bank shall approve them. 15. How do borrowing students repay the national student loan? In principle, the handling bank stipulates that the borrower shall repay the loan principal and interest on time and quarterly as stipulated in the contract. Banks usually design two repayment methods for borrowing students: equal principal and interest repayment method and
Is this ok?
3. What's the difference between going to the Education Bureau with a student loan and going to the bank?
To apply for a national student loan, you can apply directly to the student financial assistance department of the school, while the student-origin student loan is generally applied for by the student financial assistance management institution where the household registration is located, usually in the Education Bureau and in some areas in the bank.
4. Which department of the school manages student-origin student loans?
Student-origin student loan
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; The general commercial student loan is the largest and the largest, and it is the main part of the student loan.
All public full-time colleges and universities should act as banks to handle national student loans for students from poor families in colleges and universities. In addition, the national student loan has been launched, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
To apply for a national student loan, you need to provide
2. My student ID card, valid identity certificate of the permanent guardian and written consent to apply for a loan).
3. I
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.
The above contents refer to:
Baidu encyclopedia-student loan