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1. How many kinds of student loans are there?
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
Second, what is the national student loan?
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, 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 tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.
Three, which universities have carried out the national student loan work?
Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant instructions in the school enrollment brochure or admission notice. 4. How long is the loan term? In principle, the longest student-origin credit loan shall not exceed 14 years, and shall be applied, approved and issued annually. The loan each borrower applies for each year generally does not exceed the sum of tuition and accommodation fees charged by the school, with a maximum of 6,000 yuan, which is mainly used to solve the problem of tuition and accommodation fees for students at school. Students who have obtained credit student loans from their places of origin may not apply for national student loans from ordinary colleges and universities in the same academic year; Students who have obtained national student loans in institutions of higher learning may not apply for student loans in the same academic year. In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. Among them, the loan period of students who have studied in colleges and universities is determined according to the remaining study period plus 10 years. The loan interest rate shall be subject to the benchmark interest rate of the same grade in the same period published by the People's Bank of China, and shall not rise. The loan interest of students during their school days is paid in full by the finance, and the loan interest after graduation is borne by the students and their parents (or other legal guardians). Students only pay interest during their studies at school and within two years after graduation, not the principal. Two years after graduation, the students and their parents (or other legal guardians) will repay the loan principal and interest according to the loan contract.
4. What are the conditions for applying for a student loan?
1. Full-time undergraduates (including higher vocational students), postgraduates and second bachelor's degree students with financial difficulties;
2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card;
3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
5. study hard and be able to complete your studies normally;