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The national student loan is a major measure adopted by the Party Central Committee and the State Council to improve the financial support system for ordinary colleges and universities in China under the conditions of a socialist market economy, and to increase funding for poor college students from ordinary colleges. The national student loan is a government-led, financial discount, financial and university joint grant to banks certain risk compensation. The bank, the education administration department and the university jointly operate a bank loan specifically to help college students from poor families. Borrowing students do not need to apply for loan guarantees or mortgages, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of various expenses during the school period and repay in installments after graduation. On August 8, 2012, the new student loans for development banks will exceed 12 billion yuan.

Student Loans

There are four main types of loans:

Generally speaking, students from poor families need to apply for a national student loan from a local bank through their school. In principle, students should apply for the national student loans in one installment during the school period.

The Party Central Committee and the State Council attach great importance to financial assistance for families with financial difficulties. Establishing a sound policy system for subsidizing students from families with financial difficulties, so that students with families from financial difficulties can successfully enter school, afford college, and receive vocational education. It is the practice of the important thinking of the "Three Represents," the implementation of the scientific concept of development,

Application for National Student Loan:

The reason for the application should include the family's financial situation, it should not be too simple, and it should be written with sincerity.

The content written must not contradict the content in other materials.

(3) The application cannot be altered.

Survey form of students and families in colleges and universities:

The questionnaire's writing cannot be changed, wiped or added with content.

Must be filled in with a carbon pen or black signature pen.

(3) Official seal of the civil affairs department.

The official seal of the civil affairs department must contain the words of civil affairs (such as the Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid.

Note: If the local civil affairs department cancels for some reason and replaces it with the Social Affairs Office, the seal of the Social Affairs Office can be affixed, but a description of this situation should also be issued by the local government (township, township or above).

The names of the loan student and his / her parents must exactly match the names on their ID cards.

Poverty certificate should indicate the specific population of the family.

If the family population includes grandparents or grandparents, the father or mother of the loan student is the only child and must provide proof of the only child. If the parent is not the only child, the parent's share of the (parent) grandparent's maintenance shall be calculated as the family expenditure.

Married brothers and sisters are generally not included in the family population.

(Grandparents) are preferably not included in the family population.

The per capita monthly income of the family is less than 350 yuan. If siblings are included in the family population, if they have income, their income should be included.

The population in the questionnaire should be consistent with the population in other data, and must not be inconsistent or confusing.

Parents who are divorced should fill in the names of both parents on the questionnaire.

Copy of ID of father and mother:

If the ID card has expired, you can use the copy of the account page (the ID number of your parents) to stamp the fresh stamp of the police station instead.

(2) If the parents are divorced, a copy of the parent's divorce agreement (or court decision) and the ID cards of both parents should be provided.

Note: If the content of the child support situation in the divorce agreement or court judgment is inconsistent with the actual support situation, it should be indicated on the corresponding document.

(3) If one parent (or both) has died, the death certificate must be specified in the poverty certificate, and the death certificate issued by the police station must be stamped.

The death certificate should include at least the following: The father or mother of xxx (the name of the loan student) died on year x, month x. Finally, the public security organ affixed the special stamp of the household registration of the police station.

Copy of student ID and student ID:

A copy of the student ID shall be stamped with the seal of the Student Services Funding Center. (Unified by the Student Office)

Photocopies of the IDs of the 2 witnesses:

One of the two witnesses was a school teacher and one was a school classmate.

Student banks under the age of 18 do not allow loans.

Laid off card and

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In principle, the term of the student credit loan for student origin shall be determined according to the full-time college education system plus 10 years, with a maximum of 14 years. If the educational system exceeds 4 years or continues to study for a graduate degree or a second bachelor's degree, the loan repayment period after graduation will be shortened accordingly. The grace period is two years after the student is in school and after graduation. After the grace period, the student and the parent (or other legal guardian) will repay the loan principal and interest in annual installments according to the loan contract.

I applied for a student loan when I was in college. Now that I have graduated and worked, I need a loan to buy a house and a credit card, only to find that I have bad credit. Because of a moment of negligence, many students who have applied for student loans have left bad credit records. What should I do if I encounter such a problem?

Many students who do not pay interest after the due date are due to lack of understanding of policies.

The student loan cycle is 10 years, and the interest rate is based on the benchmark interest rate. The student's interest during the school period is fully subsidized by the state. After graduation, they must pay the interest themselves. Taking into account that some students may not be able to get employment in time after leaving school, the state has also established a grace period of two years after graduation. During the grace period, students only need to pay interest and do not need to repay the principal. However, due to the lack of understanding of the policy, many students believe that the grace period does not require repayment or interest. As a result, some overdue repayments were caused.

If it is not maliciously overdue, you can explain to the bank and cancel the individual's bad credit history. 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 the individual is honest and trustworthy in future credit activities, new and good records will gradually refresh and replace the old and negative over time. record of.

How Agricultural Bank Loans Educational Student Loan Introduction: Educational student loans refer to loans for students paying tuition and miscellaneous fees issued to students studying in full-time institutions of higher learning.

Educational loans to borrowers (borrowers): refers to natural persons of Chinese nationality who have a permanent residence in China and are studying in full-time colleges and universities with full civil capacity and ability to repay loans.

The term of education assistance loan for Agricultural Bank: The maximum period is 7 years (including 7 years).

Loan conditions

1. A natural person of Chinese nationality who is at least 18 years of age and has full capacity for civil conduct, has a fixed domicile in China, and has valid identification.

2. With a legitimate career and stable economic income (except for students applying for education student loans), they can guarantee the repayment of the principal and interest of the loan on time.

3. Open a savings deposit account with a loan bank and deposit not less than the required proportion of the total amount of the first payment and the mortgage registration fee, notarization fee, insurance fee and other expenses that are expected to occur.

4. It can provide effective guarantee measures recognized by banks for personal consumption loans.

5. The purpose of the loan is within the specified scope.

Loan limit

1. Where a loan is applied by way of pledge, or where banks and insurance companies provide joint and several liability guarantees, the first payment shall not be less than 20% of the total value of consumer goods, and the amount of borrowing shall not exceed 80% of the total value of consumer goods.

2. When applying for a loan with a real estate mortgage of a borrower or a third party, the first payment shall not be less than 30% of the total value of consumer goods, and the amount of borrowing shall not exceed 70% of the total value of consumer goods.

3. Where a third-party guarantee is applied (except for banks and insurance companies), the first payment shall not be less than 40% of the total value of consumer goods, and the amount of borrowing shall not exceed 60% of the total value of consumer goods.

Information to be provided by the borrower

1. The borrower's application form for personal consumption loans of Agricultural Bank of China.

2. A valid certificate provided by your school.

3. The personal income certificate of the property owner.

4. In case of guarantee in the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, list of pledges and proof of consent of the disposition owner to mortgage, pledge, certificate of ownership or right to use the mortgage, valuation, Insurance documents, pledge of property rights, documents that the guarantor agrees to guarantee.

5. In the case of repayment guarantee in the form of insurance from an insurance company, a written commitment that the insurance company agrees to apply for installment repayment of consumer loan insurance should be submitted.

6. Deposit certificates of not less than the required proportion of total tuition and miscellaneous fees, notarization fees, and related insurance fees have been deposited in the loan bank.

7. The power of attorney of the entrusted loan bank shall stipulate that the loan bank may transfer funds directly from the deposit account of the borrower to the designated payee after the loan contract signed between the loan bank and the borrower becomes effective.

Bear the consequences

1. If a student borrowing a national student loan fails to repay the loan within the time limit and amount agreed on with the repayment agreement signed with the handling bank, the handling bank shall charge penalty interest on the default repayment amount.

2. The handling bank will enter the basic personal information and repayment of the graduated students into the personal credit information basic database of the People's Bank of China for financial institutions in the country to inquire about according to law. If the default situation of graduates of national student loan is serious, it will affect their application to financial institutions for other personal consumer credit.
3. After entering the repayment period according to the repayment agreement, the relevant administrative department and bank will publish their name, citizenship number, graduation school and specific Default and other information.

4. The breaching party bears relevant legal liabilities.

Interest rate calculation

Commercial student loans are subject to the same-grade RMB loan interest rates set by the People's Bank of China. The loan period is within one year (including one year), and the interest is calculated at the contracted interest rate. When the statutory interest rate is adjusted, the contract interest rate remains unchanged. If the loan period is more than one year, the interest rate is fixed for one year. The newly adjusted interest rate is implemented on an interest rate determination date; for the loan that is overdue and has not been approved for renewal, interest will be charged on the overdue loan interest rate.

2014 Shanghai National Student Loan Application Conditions

1. The student has a household registration in the city before entering the school; 2. Be honest and trustworthy, abide by laws and regulations; 3. Foreign full-time ordinary undergraduate colleges, higher vocational schools and colleges that have been approved to establish and implement higher education in accordance with relevant national regulations (Including private universities and independent colleges, the list of schools is subject to the announcement of the Ministry of Education) formal admissions, freshmen or graduates of the junior college, graduate students and second bachelor students who have obtained a true, legal and valid admission notice; 4. The family is in financial difficulties and the income available is not enough to cover the basic expenses required to complete their studies while in school. ^[8]