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.

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.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 162 A civil juristic act carried out by an agent in the name of the principal within the scope of his agency authority is effective for the principal.

Article 165 If the power of attorney is in written form, it shall specify the name of the agent, the matters to be represented, the authority and the time limit, and shall be signed or sealed by the principal.