4hw.com.cn: the national student loan can effectively alleviate the problem of College Students' financial difficulties. More and more poor families are applying for it. So what proof does it need to apply for the University poor student loan?
The national student loan is a kind of bank loan which is led by the government, subsidized by the finance, and operated by the bank, the education administrative department and the University together to help the poor students in the University.
1、 Application information:
1. The original and copy of the borrower's valid identity certificate;
2. The original and copy of the borrower's student ID card or admission notice;
3. Evidence of family financial difficulties;
4. Copies of ID card and student card or work card of two witnesses of the borrower's classmates or teachers;
5. Application form for national student loan of loan bank;
6. Letter of commitment for urging repayment;
7. Other information required by the bank.
2、 Application conditions:
1. Full time junior college students (including higher vocational students), second bachelor degree students and graduate students in general colleges and universities;
2. Family financial difficulties;
3. The citizen who has the nationality of the people's Republic of China and has reached the age of 16 shall hold the resident identity card of the people's Republic of China;
4. Have full capacity for civil conduct (minors applying for national student loan shall be approved in writing by their legal guardian);
5. be honest and trustworthy, abide by the law and discipline, and have no illegal behaviors;
6. Study hard and finish school normally.
3、 Procedures:
1. Apply. After the start of the new school year (the specific time is clearly stipulated by each school), students shall apply to the bank through the school for loans. The school organization shall conduct qualification examination on the application materials of national student loans submitted by students and be responsible for their integrity, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loans.
After the completion of this work, the school institutions will conduct publicity for 5 days, and correct the problematic application. After the preliminary examination is correct, the school shall, within 10 working days, affix its official seal on the loan application that has passed the examination for confirmation, notify the students of the examination results, and prepare the student examination information form of national student loan.
2. The bank's approval handling bank shall complete the signing work within 15 working days after receiving the unified loan contract and receipt submitted by the school, and deliver the signed loan contract to the school institution within 5 working days. The school institution shall, within 5 days after receiving the loan contract and receipt, return the loan to the student for safekeeping.
3. After the loan application for signing the contract is approved, the school shall complete the work of organizing students to fill in and sign the loan contract and receipt within 10 working days according to the loan student list provided by the handling bank, and submit it to the handling bank.
4. The contract signing bank shall complete the signing work within 15 working days after receiving the loan contract and receipt submitted by the school, and deliver the signed loan contract to the school within 5 working days.
5. The detailed rules for granting loans will be handled by the bank for each student with a debit card or current passbook. The national student loan adopts the method of one-time application, one-time credit granting and installment granting, that is, students can sign loan contracts with the bank for more than one academic year at a time, but the bank should issue them in years. For the loan of tuition and accommodation fee within one academic year, the bank shall make one-off payment; for the loan of living fee within one academic year, the bank (or school) shall make monthly payment to the students according to 10 months.
6. Students should pay attention to their own credit and repay the loan on time after using the student loan to complete their studies.
Standards and application conditions of national grants
The state grants mainly support the living expenses of students with financial difficulties. The average subsidy standard of the state grants is 3000 yuan per student per year, and the specific standard is determined within the range of 1500-4000 yuan per student per year, which can be divided into 2-3 grades. The grading and specific standards of state grants in central universities shall be determined by the Ministry of Finance in consultation with relevant departments, and the grading and specific standards of state grants in local universities shall be determined by each province (autonomous region, municipality directly under the central government).
In addition, according to the executive meeting of the State Council held by Premier Wen Jiabao on December 22, 2010, it was decided to continue to improve the basic pension of enterprise retirees, including the retirees of uninsured collective enterprises into the basic pension insurance, expand the scope of financial support for students with family difficulties in Colleges and secondary schools, and improve the funding standards.
In order to alleviate the pressure brought by the price rise on the students with family difficulties in Colleges and secondary schools, the State Council decided to start from this autumn: increase the average national subsidy standard of ordinary colleges and universities from 2000 to 3000 students, benefiting 4.3 million students with family difficulties, accounting for 20% of the total number of students in schools. '
Basic application conditions for state grants:
1. Love the socialist motherland and support the leadership of the Communist Party of China;
2. Abide by the Constitution and laws and the rules and regulations of the school;
3. Honesty and good moral quality;
4. Study hard and make progress actively;
5. Family economy is difficult and life is simple.
Step:
1. First of all, it is necessary to apply for quota to counselors for examination (writing poverty application form)
2. Issue relevant poverty certificate under local jurisdiction
3. Give the poverty certificate to the counselor for certification, and provide the counselor with personal information, as well as the copy of household registration and ID card. Then counselors will screen for the existing quota limit.
4. After screening, counselors will determine the quota qualification list, and provide relevant bank card accounts in the later stage. In the later stage, there will be funds from poverty alleviation institutions.