8000 yuan. The current national student loan subsidy ceiling is 6000 yuan per person per year. After adjustment, the annual loan amount for full-time college students shall not exceed 8,000 yuan; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. The maximum amount of full-time graduate students applying for loans each year will reach 12000 yuan; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees. The repayment method of the student loan is 1. Pay off the students in one lump sum or several times before graduation; 2. After graduation, students can look at their liquidity to repay their loans; 3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly; In the place where graduates work, according to their performance, they decide to reduce the loan repayment; 5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.
What is the maximum loan for college students? Can I repay the student loan in advance?
What is the maximum loan for college students? Can I repay the student loan in advance? First of all, for college students who have just entered school, if they can apply for a student loan from the bank because of family difficulties, the student loan will enjoy the discount policy given by the state during the whole university period. The loan is interest-free, and the interest will be calculated according to the benchmark interest rate stipulated by the state after graduation. So, what is the maximum loan for college students? Can I repay the student loan in advance?
What is the maximum loan for college students? The state has a special student loan channel for students from poor families, which belongs to the national public welfare service and can be obtained without interest or mortgage. This loan channel needs to be organized by the school when enrolling students. The loan period is slightly longer, and the materials submitted are more reviewed. Generally, college students can borrow 3,000-5,000 yuan each semester through student loans, and begin to pay back the money after graduation. In addition, there are students' loans, and accommodation fees and tuition fees are required to use the loans. There are also strict restrictions on loan conditions and loan materials, but compared with student loans, the loan amount is generally around 2000-5000 yuan.
Can I repay the student loan in advance? At present, there are two repayment methods for student loans, Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest.
I. Alipay Repayment
1. Before the monthly 10 of the student loan prepayment of China Development Bank, log in to the student loan information network of China Development Bank, find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.
2. Find the prepayment application and apply for prepayment as required (except that the prepayment application date is 1 to 10 every month, 1 1).
3. If advance payment is required, please click the "Add" button to enter the advance payment adding page.
4. In the new page, select the corresponding contract number, and the information to be filled in will be displayed. After confirming the information, click "Submit" to complete the new operation.
5. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.
6. After the accounting processing cycle is 10 per month, the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.
7. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.
8. For specific repayment records, please check your loan background repayment records.
Second, the bank repayment
1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process.
2. After entering the bank, queue up to get the number, then go to the staff to get the application form and fill in all the contents in detail.
3. Go to the counter to handle the loan repayment procedures.
4. Send the repayment voucher to the relevant person in charge.
What is the maximum loan for college students? Can I repay the student loan in advance? The above are some introductions to this problem, hoping to help everyone. Among them, the student loan has no interest during the school period, and the bank begins to bear interest after graduation. Therefore, if conditions permit, it is best to choose to pay off early after graduation.
What is the maximum amount of student loan for college students?
Full-time college students: each person applies for a loan amount of 1000 to 12000 yuan per year; Full-time graduate students: the amount of loans each person applies for each year ranges from 1 1,000 yuan to 1, which varies from 600 yuan. The specific amount of student loan for college students is subject to the actual application results.
The maximum loan for national student loans per person per semester shall not exceed RMB.
Full-time undergraduates (including second bachelor's degree and higher vocational students) shall not exceed1.2000 yuan per person per year, and the loan amount of full-time graduate students shall not exceed1.6000 yuan per person per year. The money needed for student loans is used to pay tuition and accommodation fees during the school period, and the excess can be used to make up for daily living expenses. The loan will be paid to all students' Alipay accounts, and then the loan system will automatically deduct the tuition and accommodation fees to the settlement accounts provided by colleges and universities.
Student loan application process
First, apply. Students apply for student loans, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.
II. Trial Measures for School Agency Loans. School institutions organize students to apply for loans within the annual loan amount and control ratio issued by the National Student Loan Management Center, accept student loan applications, and conduct preliminary examination of loan materials submitted by students.
Three, the handling bank for loan approval. After the school agency has passed the preliminary examination, it will submit the relevant materials to the handling bank for loan approval.
Fourth, bank approval.
5. Sign a loan contract. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.
Sixth, issue loans. The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.
How much can college students borrow for starting a business?
College students can borrow up to 80,000 yuan for starting a business, which generally lasts for 2 years. The loan applicant needs to provide counter-guarantee for the loan. Loan projects will be subsidized in accordance with the relevant provisions of the state and the autonomous region.
Fresh college graduates, unemployed college graduates, and college students (including entrepreneurial teams) who start their own businesses for the second time can apply for entrepreneurial loans in the local labor and social security departments. The application of college students' entrepreneurial loans needs certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by the Communist Youth League and the labor department before applying for loans.
Take several provinces and cities as examples: registered unemployed college graduates in Taiyuan who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. College graduates who start their own businesses in Fujian can enjoy various forms of discount policies such as small secured loans, with a maximum discount loan amount of 50,000 yuan. Qingdao allocated100,000 yuan to set up the Qingdao College Graduates Entrepreneurship Support Fund to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.
College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
The procedure is more simplified. Where college graduates apply to engage in self-employment or bid for private enterprises within two years after graduation, they can register in advance through the "green channel" in the registration hall of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying.
For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
How much can college students borrow for starting a business?
Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance will give 60% subsidy to the discount interest funds undertaken by the local finance. Just take your ID card and household registration book to the bank to borrow college students' entrepreneurial loans.
How much can college students borrow?
College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees.
1. application time and deadline: consult the local funding center. Time varies from place to place.
2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.
3. Application materials: Take the application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of the borrower (origin), and go to the county-level financial aid center with the borrower to apply for a loan.
4. Renewing the loan: I or * * * and any borrower can go to the county rescue center to renew the loan with my ID card and the application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.
Extended data:
Measures of China People's Bank for the Administration of Student Loans:
Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.
Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.
Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.
Article 9 The repayment method of student loans is flexible, which can be repaid in advance, the interest can be paid off together with the principal, and the repayment can be made in installments (year, quarter and month). The specific method shall be agreed by the lender and the borrower and specified in the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.
Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be agreed by the school where the lender or borrower is located and the discount party.
Article 11 A borrower shall abide by his credit. If you drop out of school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.
Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.