You can apply for student loans.
There are two kinds of student loans: student-origin loan and college student loan.
Generally, everyone chooses to apply for student loans.
The application process is as follows:
Opening the National Development Bank Student Loan Information Network
2. Click on the student online service system (student source) on the page.
3. Click Register, fill in the information and complete the new user registration.
4. After logging in, click the home page, and then click Apply for a loan on the right.
5. On the right of the page are some common preventive measures.
6. Click to apply for a loan, fill in relevant information and forms, and the loan is completed.
How to apply for a student loan
How to apply for a student loan?
The main process of student loans is as follows:
If a student applies for a student loan:
Students apply to their school → the school conducts preliminary examination → the bank conducts relevant examination and approval → the two parties sign a contract → the bank issues loans → the loans are repaid after graduation.
The following materials are usually required:
1, national student loan application;
2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);
3. I explain the family's financial difficulties;
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.
Conditions to be met:
1, full-time undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree in ordinary universities;
2. Have People's Republic of China (PRC) nationality and People's Republic of China (PRC) national 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;
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.
If students apply for non-student loans (such as commercial loans, housing loans, etc. ):
Students bring their identity documents and related materials to the bank to apply for a loan → the bank will examine the applicant's qualification after receiving the relevant application → the bank will contact the applicant to sign a loan agreement (if the lender passes the examination) → the bank will lend money → the applicant will repay the principal and interest on time.
Who should sign and seal the identification form for students with financial difficulties?
According to the latest related policies of China and CDB on 20 19, starting from 20 19, in order to save a trip for everyone, the form for identifying students with financial difficulties in families does not need to be signed and sealed, that is, this form is invalid and changed into a personal commitment letter.
What conditions should students who apply for national student loans have?
To apply for a national student loan in China Bank, you should meet the following conditions: (1) Have China nationality and hold a Chinese resident 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) Due to the family's financial difficulties, the funds that can be raised are not enough to pay for their tuition and accommodation during their study at school. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
First application process of national student loan
The basic process of applying for a student loan for the first time includes: registering students' online system, filling in an application form, conducting qualification examination and signing a loan contract. I. Application process and required materials for student loans 1. Application process (using equipment: browser computer: macbookpromos 14, opening google version 92.0.4515.131), registering students' online service system, and logging in the student loan information network of China Development Bank. (2) Qualification Examination If it is the first time to apply for a loan, you need to hold an application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification examination and build official seal. If it is a loan renewal, there is no need to review it. You can go directly to the county-level funding center for loan renewal procedures. (3) Fill in the application form, fill in the application form online, export and print it after completion, and sign it by the borrowing student himself. (4) Fill in the Application Form for Identification of Students from Poor Families, and export the Application Form for Identification of Students from Poor Families, which shall be signed by both the borrower and the borrower. (5) Students who have signed a loan contract * * * bring the required materials to sign a contract with the borrower at the county-level help center where the household registration is located and receive a receipt. (6) submit a receipt. The borrower will give the receipt to the college teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10. 2. Required materials (1) The original application form signed by the borrowing student himself. (2) The original application form signed by the borrower for the identification of borrowing students and students with financial difficulties (students who fail to apply in advance must provide it). (3) The original ID cards of the borrower and the borrower. (4) the original admission notice or student ID card. (5) the original account book. I. National Student Loan The national student loan is a bank loan jointly operated by banks, education administrative departments and universities, which is led by the government, subsidized by the government and given certain risk compensation by finance and universities. Help students from poor families in colleges and universities pay for tuition, accommodation and living expenses during their studies at school. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must 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, the conditions for applying for student loans 1. Students are poor and unable to afford tuition and daily living expenses. 2. Students who have reached the age of 16 are China residents and have corresponding identification information. 3. Students have independent ideological and behavioral activities and the ability to undertake responsibilities and obligations. 4. Students have no record of serious violations of laws and regulations, good conduct and strict attitude. Students should study hard and finish their studies smoothly.
How to apply for a national student loan?
China Bank's "national student loan" refers to the credit loan that students from poor families in colleges and universities apply to financial institutions through their colleges and universities to pay tuition and accommodation fees during their studies. The borrowers of national student loans are full-time undergraduates (including vocational college students), graduate students and second bachelor's degree students with financial difficulties in colleges and universities. Students applying for national student loans should meet the following conditions: (1) They have China nationality and hold Chinese identity cards; (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) Due to the family's financial difficulties, the funds that can be raised are not enough to pay for their tuition and accommodation during their study at school. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
What are the loan conditions for college students?
First, college students' loan requirements:
Banks generally need three conditions to provide loans: pledge, mortgage and guarantee. If your parents or relatives have better jobs and stable income, it will be an excellent credit resource.
1. Identity documents of college student loan applicants and their spouses (including original resident identity cards, household registration books or other valid residence permits) and proof of marital status;
2, the student loan applicant's personal or family income and property status and other repayment ability documents;
3. The business license of the college student loan applicant and the business license of related industries, as well as the relevant agreements, contracts or other materials for the purpose of the loan;
4. Guarantee materials for college student loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) thing issued by the appraisal department recognized by the bank.
Second, the specific process of college student loans:
1. Apply for a loan. Students are required to submit a loan application to the bank through the school after the start of the new school year (the detailed time is clearly stipulated by each school). The school will first examine the qualifications of the national student loan application materials submitted by students, and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan.
After this work is completed, the school will arrange a five-day publicity and correct the problematic requirements. After the initial examination is correct, the school will arrange to confirm the qualified loan request with the official seal within 10 working days, inform the students of the inspection results, and make the National Student Loan Audit Information Form.
2. The bank approves the loan application. The handling bank will end the signing work within 15 working days after receiving the loan contract and the debts due from the school, and deliver the signed loan contract to the school within 5 working days. After receiving the loan contract and debt, the school will return it to the borrower within 5 days.
3. Sign a loan contract. After the loan application is approved, the school will complete the work of arranging students to fill in, signing loan contracts and debts according to the loan student roster submitted by the handling bank within 10 working days and submit it to the handling bank. After receiving the loan contract and the debts due from the school, the handling bank shall complete the signing work within 15 working days, and deliver the signed loan contract to the school for arrangement within 5 working days.
4. The borrowing bank issues loans. The bank applies for a debit card or current passbook for each student. The national student loan is implemented in stages, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The bank should pay the tuition and accommodation loan for one academic year in one lump sum; Banks (or schools) will provide students with living expenses loans for one school year according to 10.
5. repay the loan on time. Borrowing students should pay attention to personal credit and repay on time after applying for student loans to complete their studies.
This concludes the introduction of college students applying for state loans and how to operate the process of applying for state loans. I wonder if you have found the information you need?