What materials do I need to provide to apply for a national student loan? ?
1.？ Apply fo
What materials do I need to provide to apply for a national student loan? ?
1.？ Apply for a national student loan; ?
2.？ 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 departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Help students from poor families in colleges and universities pay for tuition, accommodation and living expenses during their studies.
Students don't need 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 about specific national student loans. Students can apply for national student loans from financial institutions through the school after reporting to the school?
Application and procedure of student-origin student loan
(1) loan acceptance department?
Student Financial Assistance Management Department of the Education Bureau of the county (city, district) to which the borrower belongs. ?
(2) Prepare materials?
After preparing the above poverty proof materials, identity proof materials and passbook of the Postal Savings Bank, register with the student financial assistance management department of the county (city, district) Education Bureau and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the application form). The borrower needs to complete the application form and seal it completely. ?
(3) Review materials?
When the borrower and * * * go to the student financial assistance management department of the Education Bureau of the county (city, district) where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number. The staff of the Student Financial Assistance Management Section of the County Education Bureau will review the materials. ?
(4) sign a contract?
The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account. Special reminder: please fill in the passbook account number in the contract, and the account number must be filled in accurately. If the loan cannot be remitted due to the wrong filling, the responsibility shall be borne by the student himself. ?
(5) Return the receipt of the contract?
After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than 65438+1October 30), it is deemed that the student has cancelled the loan application. ?
(6) Loan issuance and payment?
According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrower's university. ?
(7) owing on the loan?
After the borrower graduates, the students and the borrower are responsible for depositing the full amount of funds into the personal account on time according to the loan contract; The agent settlement bank deducts the corresponding amount from the student's personal account according to the deduction schedule provided by the district funding center. ?
Special reminder
(a) the borrower should carefully read the text of the contract and earnestly fulfill the obligations of the borrower. ?
(two) the relevant national policies are adjusted, according to the new policy. ?
(3) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower; ?
(4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the personal life and work in the future. ?
(five) after the borrower repays the loan, it should check the accounts with the student financial assistance management department of the Municipal Education Bureau and the handling bank in time to prevent problems. ?