The second needy families studying in China (including higher vocational schools) and studying in China apply for loans immediately: they have China nationality and hold Chinese identity cards; Having full capacity for civil conduct (without the written consent of his guardian); Honesty and trustworthiness, discipline, violations; Studying hard can complete your studies; The income earned by poor families at school is enough to cover the basic expenses (including tuition, accommodation and basic application procedures) needed to complete the course. The example is introduced in detail: Step 1: Complete the Application Form for Student Loan and other materials. The materials that loan handling institutions (referred to as school institutions) need to submit include: (1) Application Form for Student Loan; (2) A copy of the resident ID card of this certificate (no written consent is required to apply for a loan, and the financial difficulties are explained; (four) the certificate of family financial difficulties issued by the township and county education administrative departments; (5) Banks or schools require supporting documents. The whole loan management reaches the loan quota and control ratio, organizes loan applications and accepts loan applications. The school institution shall examine the qualifications of the application materials for student loans submitted, and be responsible for their completeness and authenticity. He shall make a preliminary examination of the loan application for 20 points. After the completion of the work in the work, the school institution will publicize it in the fifth period and apply for correction of the preliminary examination opinions. The wrong school institution 10 will stamp and confirm the qualified loan application at work and notify the end, and prepare the Student Loan Audit Information Form (hereinafter referred to as the Information Form) and send the application materials to the bank handling institution (hereinafter referred to as the handling bank). Step 3: The handling bank approves the loan. The handling bank receives the school audit for 20 hours. Errors or omissions require the school to correct or supplement, which shall be audited by the handling bank. The school submits real works. A comprehensive review has been completed. 5. The loan roster is sent to the school together with the blank loan contract and IOU. Step 4: the loan roster is provided to the loan bank that signed the loan contract. 10, and submit the loan roster and IOUs to the handling bank. The handling bank accepts the school and submits the loan contract and IOUs. 438+05 After signing the loan contract, it will be delivered to the school institution within 5 working hours, and the school will keep the iou. Step 5: The loan issuing bank signs the loan contract with the loan and the loan receipt. 20. The first fee and accommodation fee will be transferred to the designated account of the school's handling bank. The second payment, accommodation fee and loan will be remitted to the designated account of the school within 20 working days. The handling bank shall submit the loan list and debit details of each loan to the school. The monthly fee should be transferred to this account. First, pay attention to your credit. Before leaving school 60 days after graduation, the school should organize the loan and handle the payment confirmation formalities with the handling bank. The handling bank shall send a special person to provide on-site service, explain the loan situation and answer the loan consultation. Repay the loan principal and interest on a monthly basis after graduation, and repay the loan principal in advance in any month within 24 months after graduation. The handling bank shall

Second, what is the best application period for student-origin student loans?

The loan period of student-origin student loan is determined according to the length of schooling plus 13 years, with a maximum of 20 years and a minimum of 6 years.

After the loan applicant applies for a student loan from the student's place of origin, all the interest during the study period will be subsidized by the financial department.

If the applicant chooses not to continue his degree in the year of graduation, he only needs to repay the interest within a grace period of three years. If there is no special reason, he will begin to repay the principal and interest in the fourth year of graduation.

After graduation, if you choose to continue studying during the repayment period, you should apply to the county-level funding center in time and provide written proof. After approval, the applicant can continue to enjoy the discount and a three-year grace period for repaying the principal.

Third, how to get a student loan when going to college? How long will it take to pay off the loan?

Treatment process

1. First of all, students fill in the national student loan application approval form truthfully. When students fill in the Examination and Approval Form for National Student Loan Application, the handwriting should be correct, filled in blue and black ink, and not filled in with ballpoint pen. The content should be filled in completely, and no omissions are allowed. Pay special attention to the ID number and current passbook number, and don't fill them wrong. After filling out the form, sign your name in the applicant column and put your handprint on it. (When the applicant signs, it can't sign on his behalf);

2. Students who apply for loans need to provide information to the bank: a copy of ID card, a copy of student ID card, and a copy of current passbook, and submit them to the counselor (witness) together with the completed National Student Loan Application Approval Form;

3. The counselor (witness) conducts a preliminary examination of the materials provided by the students and the application approval form, then writes the conduct and study instructions for the students applying for loans, and prints out the students' study transcripts. Those who pass the preliminary examination shall sign in the witness column of the application approval form. Counselors (witnesses) should carefully examine the information provided by students, fill in the authenticity of the content, and be responsible for its authenticity. Instructions on Students' Conduct and Learning must be written and signed by the counselor himself, not by the student himself and then by the counselor;

4. The counselor will submit the application form and related materials after the preliminary examination to the Student Affairs Office for review. After the student affairs office has passed the examination and approval, sign the application form and submit it to the counselors of all departments;

5. Counselors of all departments print out the list of national student loans in triplicate according to the format stipulated by the bank, and make a copy, and submit it to the bank for review together with the application approval form and related materials. Each department should print out two department profiles, including major setting, class size and student number, and send them to the bank. The specific examination time of each department is determined by the bank after consultation with the student affairs office, and the student affairs office will inform all departments;

6. During the period when the bank examines the student loans declared by various departments, each department shall designate a special person to assist the bank in handling the contact with students and answer the questions raised by the bank examiners;

7. After the bank audit, print out the list of student loans that passed the preliminary examination and submit it to the school manager. The school organizes students to fill in loan contracts and loan vouchers;

8. The school will review the loan contract and loan voucher filled out by the students, and the witness (counselor) and introducer (student affairs office) will submit them to the bank after review, signature and seal;

9. After the bank has completed the loan formalities and issued the loan, it will return the copy of the loan contract and loan voucher to the school, and the school will serve it to the borrower.

Repayment process

The term of the national student loan shall not exceed 6 years after graduation.

1, normal repayment

Under normal circumstances, students should repay the interest on an annual basis from September 1 day of the graduation year, and begin to repay the principal and interest two years later. The normal repayment deduction date of China Development Bank is February 20, 65438.

Please log in to the Student System of Student Source Loan of China Development Bank after June 20, 2008 +065438+ to check the principal and interest to be repaid this year, and deposit the money into the corresponding loan account before June 65438+February 20, 2008, and the bank will automatically deduct the money.

If Alipay is used for repayment, Alipay will send a repayment notice to the borrowing students by SMS and email five days before the repayment date. If the mobile phone number and email address are changed, please log in to the student loan system of China Development Bank in time to make changes.

2. Advance payment

1 to 10 can apply for prepayment every month, and all outstanding debts of a contract must be paid off in one lump sum.

Borrowing students must apply for a new student-origin student loan in the student system of China Development Bank before 10 every month or apply to the teacher of the local county financial aid center, and deposit the full amount of funds into the corresponding repayment account before 15 that month. Our bank deducts money on the 20th of every month.

If Alipay is used for repayment, Alipay will deduct the corresponding amount from the student's personal Alipay account on the day of prepayment deduction, and feed back the loan students by SMS, email, etc.

Students can log on to the online system to check the results of prepayment. If the current advance payment fails, the next advance payment needs to be resubmitted within the specified time.

Fourth, how do universities apply for student loans? How many years will it take? Do you want interest?

(1) loan amount The loan amount shall not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time. (II) Loan Term In principle, the loan term is determined according to the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the longest loan term does not exceed 65,438+04 years. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract. There is a grace period for students during school and two years after graduation. 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. Borrowing students who have studied for more than 4 years and continue to pursue a higher degree (including the second bachelor's degree) will shorten the period of repayment of principal and interest after graduation. (III) Loan interest rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date. Interest on student loans is calculated on an annual basis. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). (IV) Discount Policy According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on the student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. 1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest. 2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year. 3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.

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