No, but you can write a power of attorney to your lender (on the contract) and ask him to sign it for you. You don't have to go in person. That's how I got my dad to sign it when I was at school last year.

Do I need my parents' signature to apply for a student loan?

Need.

1, * * * The borrower should be the borrower's parents. If both parents go out to work, the parents can entrust their close relatives as * * * borrowers, but they need to issue a power of attorney (see the annex for a sample format, and submit 1 original and photocopy respectively, and parents of students should mail the power of attorney as soon as possible).

2. The borrower who fills in the application form and the borrower who signs the contract must be the same person.

3. The borrower and the borrower shall sign the loan contract at the same time. For college students who renew their contracts, if the borrower and the borrower cannot be present at the same time for some reason, one of them may entrust the other party to handle it on their behalf, but a power of attorney shall be submitted (see the annex for a sample format, with 65,438 originals and 0 copies).

4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application.

Extended data:

Materials needed to apply for national student loans:

1, national student loan application:

2, college students and family situation questionnaire:

3. A copy of the identity cards of the father and mother;

4. Student ID card and copy of student ID card:

5. Copy of ID cards of two witnesses: two witnesses 1 are school teachers and 1 are school classmates.

6. Student banks under the age of 18 will not grant loans.

7. Employment certificate and low guarantee are not necessary materials to apply for a loan, but it will be easier to apply for a loan if the above documents are provided.

8. For students who have already applied for a credit card, the bank will not grant loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for a credit card, and the data record in the bank credit information system is incorrect".

9, China Agricultural Bank and other banks to provide national student loans to implement an application, issued year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.

10, all materials shall not be faxed.

1 1. All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority.

Overdue treatment:

I applied for a student loan when I was in college, and now I have graduated from work. I need a loan to buy a house and do a credit card, only to find that I have bad credit.

Due to negligence, many students who apply for student loans have left bad credit records, and many students who fail to repay interest after the deadline are caused by ignorance of policies.

The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation.

Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal.

However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report.

This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.

Baidu encyclopedia-student loan

Do I have to renew the student loan with the borrower? How about other family members?

You can go by the trustee or renew the loan remotely.

Conditions to be met for remote acceptance of loan extension

1. Students who have applied for the electronic contract of student-origin student loan before 20 19 (inclusive) can apply for it in different places.

2. Remote loan renewal must be operated by the borrower himself and cannot be entrusted to the borrower or others.

3. The key information of students who renew their loans remotely shall not be changed. Students are not allowed to change key information such as ID card information and schooling information. If you need to change the above key information, you need to bring relevant written proof materials to the county-level funding center for on-site handling. Students can choose an existing borrower in the system, but new borrowers are not allowed. If you need to add * * * borrowers, you need to go to the county-level fund center for on-site handling.

Extended data

Tip:

1, the content of the renewal statement is not mandatory. Borrowing students can briefly describe their personal study and life, their understanding of national student loans and their personal integrity, with a length of 100 to 200 words. The loan extension statement is saved by the system and displayed in the Application Form for Student Credit Loan of China Development Bank (see annex).

2. When examining the student's application and contract, the county-level funding center finds that the student's renewal statement is improper, and can return the student's application on the grounds that the renewal statement is unqualified, and the student can resubmit it after revision.

4. Select the processing mode. After submitting the application information, the system will prompt students to choose "online signing" or "signing at the county aid center on site". If students choose "signing the contract at the county-level financial aid center", the system will generate an electronic application form for students to download and print, and send relevant information to the county-level financial aid center. Students need to hold an application form to sign a loan renewal contract at the county-level funding center.

Students who choose to sign online need to agree to the Agreement on Remote Acceptance of Student Loan Extension of China Development Bank, and agree to sign the student loan contract by electronic signature, so as to clarify the legal responsibilities of both parties.

Pengyang County People's Government -2020 Student Source Credit Student Loan Extension Remote

Can the student loan be signed by the borrower?

Of course, freshmen can apply for national student loans.

The specific process is different for each school because the loan bank is different. The best way is to ask him to consult the head teacher of his school or ask him in the financial aid center of the school (usually the student affairs office), and at the same time let him pay attention to the notice of the school. The start time of the loan application was decided and notified by the school, and it should have already started.

I can give you a reference to the information you need, which may be slightly different in reality.

1, the bank's national student loan application form.

2, college students with financial difficulties identified application form

The poverty certificate chapter must be issued by the civil affairs department of the township, town and street to which the family account belongs, and the official seal of the neighborhood Committee, village Committee and unit is invalid; The poverty certificate is valid in the current year and invalid in the following year;

(2) Large-scale mining areas, oil fields, construction corps and other areas without township street civil affairs departments can be stamped on behalf of the government by institutions exercising township street civil affairs functions, and at the same time make specific explanations in matters that need to be explained, and be witnessed and stamped by the school;

③ The actual address and telephone number of parents or relatives of students must be truthfully filled in for investigation and verification by schools and banks; The signature of the orphan's parents should be signed by the guardian, and the reasons for financial difficulties should be indicated in the column.

3. Proof of difficulty (written materials)

The poverty certificate chapter must be issued by the civil affairs department of the township, town and street to which the family account belongs, and the official seal of the neighborhood Committee, village Committee and unit is invalid; The poverty certificate is valid in the current year and invalid in the following year;

(2) Large-scale mining areas, oil fields, construction corps and other areas without township street civil affairs departments can be stamped on behalf of the government by institutions exercising township street civil affairs functions, and at the same time make specific explanations in matters that need to be explained, and be witnessed and stamped by the school;

③ The actual address and telephone number of parents or relatives of students must be truthfully filled in for investigation and verification by schools and banks; The signature of the orphan's parents should be signed by the guardian, and the reasons for financial difficulties should be indicated in the column.

4. Copy of student ID card, parent ID card, admission notice (freshmen) or student ID card (old students)

The copy must be clear and complete, and the new ID card must be copied on both sides;

(2) Freshmen should make a copy of the original ID card before moving out of the household registration.

(3) ID cards and temporary id card must be within the validity period, and they will be invalid after expiration;

(4)/kloc-Students under 0/8 years of age who have no capacity for civil conduct must provide the valid identity certificate of the legal guardian and the written consent to apply for a loan, and then negotiate with the school according to the specific situation.

5. Copy of household registration book

(1) For residents or collective accounts, it is necessary to copy the household registration address, household head, parents and students' household registration books (students without household registration can use household registration certificate or household registration certificate instead);

(2) If the old household registration book has no address, the household registration certificate issued by the local public security organ shall be attached.