How can I get a loan for college? 10

1.How to apply for a student loan When applying for a loan, students should apply to the school loan approval agency in person, provide the necessary information of their own and their family's financial situation (generally including their own written application, family financial situation questionnaire, proof of hardship at or above the street or township level, guarantor's guarantee letter and their actual performance, etc.), promise the terms of responsibility for loan repayment, and provide a guarantor for loan repayment. At present, the actual amount of student loans in various colleges and universities is generally more than 1,000 yuan per year.

Form of student loan repayment: (1) Before graduation, the student should repay it in one lump sum or in installments; (2) After graduation, the student's work unit will repay all the loans to the department that issued the loan at one time; (3) After the expiration of the probationary period, the unit shall deduct the salary from the graduate within two to five years; (4) The work unit of the graduate may decide to reduce or exempt the loan advance according to his work performance; (5) For students who take out loans, if they are expelled from school, ordered to withdraw from school, or students automatically withdraw from school due to violation of national laws and school discipline, the parents of the students shall be responsible for repaying all loans. 2.

How to apply for a national student loan Applicable objects: full-time undergraduates, junior college students and graduate students in colleges and universities in the People's Republic of China (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Region) who are truly financially disadvantaged. Students applying for a state student loan should have the following:

Have full capacity for civil conduct (minors must be consented in writing by their legal guardians); Be honest and trustworthy, abide by laws and regulations, and have no violations of laws and disciplines; Good academic performance and ability to complete their studies normally; The income earned during the school period is not enough to cover the basic expenses (including tuition fees, basic living expenses) required to complete the study; Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the loan repayment obligation according to the regulations; Meet other conditions stipulated in the General Rules for Loans issued by the People's Bank of China. Application Procedure: The bank does not directly accept loan applications from students who are currently in school.

Students who apply for a loan must submit a loan application to the designated department of their school (usually the Student Affairs Office) with their valid documents within 10 days before and after the start of the new academic year, and collect and truthfully fill in the "National Student Loan Application Form", "National Student Loan Application Commitment" and other relevant materials. The interest rate of national student loans shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by the student is subsidized by the state treasury, and 50% is borne by the borrower.

The borrowing student and the handling bank shall agree on the repayment method and repayment time when signing the loan contract. Adopt a flexible repayment of principal and interest, either in advance, in interest or in instalments (annual, quarterly or monthly), as agreed between the lender and the borrower and enshrined in the contract. Repayment starts at the latest in the first year after graduation.

The principal and interest of the loan should be repaid within 4 years after graduation. With the consent of the lending bank, the national student loan can be extended, but the state will no longer give interest discounts after the deadline.

The school is looking for a class teacher, and he will help you solve any problem.

The general process of going to college is to find the homeroom teacher and then explain the situation, and then the homeroom teacher will take you to get a student loan form and then add it and hand it in (you need a poverty certificate: a certificate stamped by the township street where you are located, but you may not need a poverty certificate to tell the teacher vividly).

When you get to the second year, you don't need it, and then you will get some places in the class for poor student loans, and then you can go and get the form and add it to the class.

You can also find a green channel, there is a loan process on it, hehe.

After graduating from university, Cheng Yan accidentally learned that college students could take out loans to start a business, so he consulted the relevant departments, but many departments only knew about it at that time. However, in order to control the risk, the bank must require the applicant to have a secure guarantor and a certain amount of capital.

Policy Change: Establishment of loan guarantees.

You can apply for student loans, which are divided into two categories. National student loans for colleges and universities and student loans for students.

1. Student loans

Student loans refer to student loans issued by financial institutions such as the China Development Bank to eligible college freshmen and current students with financial difficulties, and students and their parents (or other legal guardians) apply to the student financial aid management center or financial institution in the county (city, district) where the student's household registration is located to help students with financial difficulties pay the tuition and accommodation fees required during their studies.

The student loan is a credit loan, which does not require guarantee and mortgage, and the student and the parent (or other legal guardian) are co-borrowers and jointly bear the responsibility for repayment.

2. Application for student loans

1. Students who apply for the National Student Loan Application Approval Form and other materials should fill in the materials truthfully and completely, and prepare the relevant supporting materials and return them to the national student loan agency of the school.

2. The school institution shall conduct the preliminary examination of the loan, and the school institution shall organize the students to apply for the loan within the annual loan amount and control ratio issued by the National Student Loan Management Center, and accept the loan application of the student.

3. The handling bank shall complete the review within 20 working days after receiving the "Information Form" and application materials submitted by the school.

4. After the loan application is approved, the school will complete the work of organizing the students to fill in and sign the loan contract and IOU within 10 working days according to the roster of borrowing students provided by the handling bank, and submit it to the handling bank.

5. Within 20 working days after signing the loan contract and IOU with the borrower, the bank will transfer the first-year tuition, accommodation fee and living expenses loan to the designated account opened by the school in the bank.

3. Application for national student loans for colleges and universities

1. Conditions for applying for loans:

In principle, all students (general students and self-financed graduate students) can apply for national student loans, and the loan conditions are as follows:

1) Have the nationality of the People's Republic of China and hold a People's Republic of China resident identity card;

2) Have full capacity for civil conduct;

3) Be honest and trustworthy, abide by laws and regulations, and have no violations of laws and disciplines;

4) Study hard and be able to complete their studies normally;

5) Due to the financial difficulties of the family, the funds that the student and his family can raise are not enough to cover the basic expenses of study and living during the study period at the school.

2. Application method and materials to be provided:

Faculties, departments or students log in to the "China Development Bank Student Service System" to apply for the first loan. You need to register with your ID number, export and print the Application Form for Student Loans for China Development Bank Shares **** Colleges and Universities through the system, and require students to submit the following materials along with the Application Form:

1) Copy of ID card and student ID;

2) Proof of financial difficulties provided by the village committee (neighborhood committee) or the civil affairs department of the township or town ** (sub-district office) or any unit of the original high school.

3) A letter of commitment from parents;

Summary. Enter the student service system of China Development Bank to register, apply and print 1 application form, and the application form shall be stamped and signed by the village (neighborhood) committee. 2. Handle the contract and bring the relevant materials to the county education bureau funding center to handle the loan contract.

First loan: 1. Bring 1 copy of the application form to the village neighborhood committee for seal and signature. (This step must be completed in advance) 2. Bring the original ID card and household registration book of yourself and the co-lender and 1 copy of the ID card of both parties.

3. New students should bring the original and 1 copy of the college admission notice, and old students should bring the original and 1 copy of the student ID. 4. The borrower (student) and the co-borrower (parents or relatives) must be present to sign.

Can college students take out a loan on their own to go to college?

OK. Yes, there are two kinds of student loans, one is the subsidized loan for tuition and living expenses issued by poor families, which is a loan issued by the Development Bank, which is applied for by students, signed by school leaders, and then reviewed by poor families.

Then I fell out with my parents, I don't want my parents to pay for it, and I want to take out a loan to go to college, is it okay?

OK. How should I borrow it?

Wait a minute.

Yes, enter the student service system of China Development Bank for registration, application, and print 1 application form, and the application form should be stamped and signed by the village (neighborhood) committee. 2. Handle the contract and bring the relevant materials to the county education bureau funding center to handle the loan contract. First Loan:

1. Bring 1 copy of the application form to the village neighborhood committee for seal and signature. (This step must be completed in advance) 2. Bring the original ID card and household registration book of yourself and the co-lender and 1 copy of the ID card of both parties. 3. New students should bring the original and 1 copy of the college admission notice, and old students should bring the original and 1 copy of the student ID.

4. The borrower (student) and the co-borrower (parents or relatives) must be present to sign.

This is the step of the student loan.

This is a student loan**.

What does co-lender mean.

You'll have to find another person.

Similar to guardians.

Is it right to have an original and a copy of the university admission letter?

So how do I repay the money after I borrow?

Yes. When you go to the scene, there will be someone to talk to you.

Generally after graduation also.

Punch in a card.

OK. The application procedure is as follows:

1. Loan application.

The borrower submits a loan application to the Student Financial Aid Management Center of the Education Bureau of the county (city, district) where his family is registered (hereinafter referred to as the "county-level financial aid center"), fills in the loan application form, and provides the following materials:

1. The original and photocopy of the household registration book (copy) of the borrowing student and the co-borrower;

2. The original and photocopy of the ID card (or valid identity certificate) of the borrowing student and the co-borrower;

3. Certificate of student status. New students should present the admission notice of the university and its photocopy; Current students should present the "Student ID" and the "Certificate of Source of Student Credit Student Loan Borrower" issued by the university where the borrower is located.

2. Contract signing.

1. The local funding center reviews the application materials;

2. The local funding center guides the borrowing students to open personal accounts at the handling bank;

3. Sign the "Student Source Credit Student Loan Loan Contract";

4. The local funding center shall issue the "Receipt of Credit Student Loan Loan Contract of the Student's Origin".

3. Contract receipt.

1. The borrowing student brings the contract receipt to the school;

2. The school shall go through the formalities in accordance with the requirements of the contract receipt;

3. The student shall send the contract receipt back to the county-level funding center where the student is located;

4. The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center;

5. The Provincial Funding Management Center shall submit it to the handling bank for approval.

Fourth, loan disbursement.

1. The handling bank will transfer the loan funds to the personal account of the borrowing student;

2. The loan funds are transferred from the personal account to the tuition account of the borrower's school.

5. Contract Modification.

After the loan contract is signed, if the borrowing student needs to change the account name or account number of the personal account, or the borrowing student cannot repay the loan according to the repayment plan agreed in the loan contract due to continuing his studies, suspending his or her studies, etc., the borrowing student can apply for it and be reviewed and approved by the county-level funding center. In principle, the adjustment of the repayment plan can only be made within the term of the loan agreed in the contract and cannot be extended.

"Provisions on the Administration of National Student Loans (Trial)", Loans**:

1. The principal and interest of the loan borrowed by the student must be repaid within four years after graduation. In order to guarantee the national student loan, students must reconfirm or change the loan contract with the handling bank before graduation, and go through the corresponding guarantee procedures. After this procedure is completed, the school can process the student's graduation procedures.

2. During the loan period, students who go abroad (outside the territory) to study or settle down must repay the principal and interest of the loan at one time before going abroad (outside the territory) before the relevant departments can go through the formalities for going abroad.

Any student who needs to transfer to another school can only go through the transfer procedures after the transfer of the debts of the student loan has been completed by the school and the handling bank and the school to be transferred and the corresponding handling bank, or after the student has repaid the principal and interest of the loan.

When you go to university, you can apply for a student loan.

1. Apply to the school loan agency, and you will receive a national student loan application form, and prepare the materials to be submitted according to the above requirements. Including a copy of your ID card, household registration book, student ID, and the key is the proof of family poverty, which requires you to truthfully write down the difficulties of your family filial piety, and let the township or street administrative department where your home is located stamp.

2. After submitting the loan application form and all materials to the school, the school will verify the completeness and authenticity of your materials, and if you meet the loan conditions, the school will hand over your materials and application confirmation form to the bank for review. After the bank reviews and determines that you meet the conditions, it will send the loan contract to the school and let the school organize the loan student to sign the contract.

3. After the contract is signed, the bank will issue a debit card to each student, and the money will be transferred to the bank card on the specified loan date.