With the continuous improvement of the system and mechanism of student-origin loan and the electronic and standardized acceptance, college students with financial difficulties can apply for student-origin credit loan conveniently at home.
Student loan
Before the start of school every autumn, college students with financial difficulties can apply for loans to the student financial assistance management centers in counties (cities, districts) where their families are located (some areas can apply directly to relevant financial institutions), and the county-level student financial assistance management centers will conduct preliminary qualification examination on the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans. The maximum annual loan for undergraduate and preparatory students is not more than 8,000 yuan, and the maximum annual loan for graduate students is not more than12,000 yuan.
After college students from poor families get credit loans from students' places of origin, parents no longer have to worry about not paying tuition fees, which relieves their worries and enables students to study with peace of mind.
Students who get credit loans from students' places of origin do not have to pay interest during their school days, and all of them are subsidized by the finance. After graduation, the interest will be paid by the students and their parents (or other legal guardians) * * *, and the loan interest rate will be subject to the benchmark interest rate of the same grade published by the People's Bank of China in the same period. In principle, the term of student-origin credit student loan shall be determined according to the academic system plus 13 years, and the longest term shall not exceed 20 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.
Three years after graduation is the grace period for repayment of principal. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Student loan
This year, the work of student-origin credit loan has been started. If you have any questions, you can call the China Development Bank hotline 95593 for consultation. At the same time, the Ministry of Education opened two student financial assistance hotlines12: 0166097980 and 010-66000 in all provinces (autonomous regions, municipalities directly under the Central Government and cities with separate plans), Xinjiang Production and Construction Corps and provinces from 8 am to 8 pm on July 23rd to September 23rd.
Freshmen and their parents can also log in to official website (/), the National Student Financial Assistance Management Center, or pay attention to the official account of China Student Financial Assistance WeChat (micro-signal: jybzzzx) to inquire about relevant financial assistance policies.
Second, how does Hunan apply for a grant?
1. Student application stage: Students who apply for state grants must first fill out the Application Form for State Grants in Ordinary Undergraduate Colleges and Higher Vocational Colleges, and then submit it to the class counselor.
2. College approval and publicity stage: each department organizes an evaluation committee to comprehensively evaluate the applicant according to the actual application. Candidates shall be selected within the quota of the unit and publicized for not less than 3 working days. After no objection, log in to the information system to report online.
3. College audit publicity stage: the Student Affairs Office sorts out and reviews the candidates reported by various departments, and publicizes them in the "Notice Announcement" column on the homepage of campus network and the publicity window of campus teaching park and life park for 5 working days.
4. The college approves and reports it to the Shanghai Municipal Education Commission: After publicity without objection, the student affairs office will sort out the list of scholarship winners and report it to the principal's office for approval. Approved scholarship winners are reported to the Municipal Education Commission for approval.
Third, Hunan Province's national student loan policy:
Like a freshman loan, the first loan is more troublesome, and one or two more students will enjoy the student loan after strict examination. Of course you can get a loan. You are still a college student, as long as you have the right not to give you a loan, but your loan period is at most 10 years. Get a loan quickly. I will graduate soon. I won't bring it to you after graduation.
Four, Hunan Province, the national student loan policy
Like the first loan (like the freshman loan), the first loan is more troublesome, the audit is stricter, and one or two more certificates are needed than those who have already enjoyed the student loan. ) Of course, you can get a loan. You are still a college student. As long as everything is ready, no one has the right not to give you a loan, but the longest term of your loan is 10 years. Get a loan quickly. I will graduate soon. I won't bring it to you after graduation.