National Student Loan Application

Dear bank and school leaders:

My name is xxx, gender: male, Han nationality, I am a student of xxx electromechanical <1> class, student ID: xx, ID number: xxx and enrolled in 2019, three years of schooling, will graduate in June 2019. He lives in XXX, Henan Province, in a remote rural area. The local traffic is inconvenient and the economy is extremely underdeveloped.

I was born in a poor and backward village. I am a boy who loves to read, loves the collective and has a gentle personality. There are four people in the family. The parents have a shallow culture and work at home. Due to years of fatigue, the parents are in poor physical condition and the income of the agriculture is low. Therefore, the income of the whole year is very meager. The father can not be labored in hospital for a long time. The heavy burden of the family is all of a sudden. It fell on the shoulder of the mother. I still have a brother who just graduated from the university three years ago. Due to lack of experience, he was defrauded by more than 100,000 yuan when he first entered the society. Most of the money spent on food and shelter in the family for a year is for me to study and my father to see a doctor. From a very young age, my parents taught me that the purpose of learning is to contribute to the country and society in the future, so it is not only rich knowledge, but more importantly, good social responsibility and Personal moral cultivation.

In August 2019, when I received the university admission notice, it was really mixed: I like that I can finally enter the university I dreamed of. Worry, where does the tuition fee of more than 7,000 yuan come from? My parents took my admission notice and ran around. I borrowed the West and finally I went to the university in September. My parents gave me more than 7,000 yuan of tuition and gave it to me. I came to my alma mater with this 7,000 yuan tuition. In the next two years, I got the school's national stipend of XX yuan, and I got paid through my usual social work. I not only worked hard to complete the university specialization stage, but also applied for the self-study undergraduate course of Henan University of Science and Technology.

However, nowadays, it is really difficult for an ordinary rural family to provide a college student's study expenses and living expenses, as well as to take care of a patient for a long time. I am facing tremendous pressure in this family. I really can’t get enough money for my college, but I don’t want to lose my chance to go to college because of poverty. I know that this society can’t survive without knowledge and culture. Go on. This deeply rooted concept has made me strive to be a fully developed student. Parents are no longer young, frail and sick, and their homes are not getting better. Faced with more than 7,000 yuan of tuition per year and high living expenses in Zhengzhou, the help of friends and family is a drop in the bucket! In addition to completing my studies and self-study, I also have social work, and the income from amateur work is very limited. However, I still firmly chose this path. I know that in the face of academic success, any economic difficulties are temporary and can be defeated. I am not afraid of difficulties, not to mention poverty. Therefore, I solemnly apply for a student loan to the Bank of China, which has always supported the growth of talented students.

The university is a relaxed and happy place, learning a lot easier, and life is richer. Faced with rich activities, colorful life, and complex interpersonal relationships, I feel that the most important thing is to keep a clear and clean heart, whether it is entertainment or learning. Only self-reliant learning can achieve good results. The study of the university should be more objective. The knowledge obtained in the school or the self-study in the school should lay a solid foundation for future work or further study. It is very important to set a clear goal for yourself. What is the focus of your life activities? I cherish this learning opportunity very much. Only by studying hard can I be worthy of all those who care and help me. The hard work, kindness, honesty, and simplicity of the parents have deeply influenced me. I believe that only through hard work can we have the hope of success, so I strictly demand myself both in study and in life. In the face of China's current severe employment situation, I deeply understand that only knowledge can change the destiny, only efforts can have a bright future, use knowledge to arm yourself, and let yourself be a useful person to society. Read more books, you can get endless fun from the book. So I must finish my studies. Therefore, I confirmed to the school my family situation, set in the type of special poverty, so that I can get a national student loan at school to help me successfully complete my studies.

During my undergraduate study, I was motivated, obeying the law, and did not violate any laws and regulations, and had excellent academic performance. She received advanced individual awards, was honest and trustworthy, and did not have any bad behavior. She joined the glorious China in XX. ***** Youth League. I hope that in the melting pot of the talents of Zhengzhou University of Science and Technology, I can continue my studies and complete my studies. Obtaining student loans will enable me to devote more energy to my future studies, to achieve early results, to become talented, and to contribute my talents and strength to the country and society at an early date.

Student loans are government-led, fiscal interest subsidies, finances and universities jointly give banks a certain amount of risk compensation. Banks, education administrations and universities operate together to help college students with financial difficulties pay tuition and accommodation fees during their studies. And bank loans for living expenses. In principle, the maximum per person per academic year is no more than 6,000 yuan. The student loans are credit loans. Students do not need to apply for loan guarantees or mortgages, but they need to promise to pay back on time and bear relevant legal responsibilities. The school student funding department is responsible for the qualification examination of the national student loan application submitted by the student, and verifies the authenticity and completeness of the student's submitted materials; the bank's negative final approval of the student's loan application. The student loan is subject to one application, one credit, and a phased payment. The loan for living expenses within one academic year is issued to the students on a monthly basis for 10 months. The student loan interest rate is implemented in accordance with the interest rate announced by the People's Bank of China and the relevant national interest rate policy. The national student loan interest during the period of the loan student is all subsidized by the financial institution, and the interest after graduation is paid by the loan student himself. According to the employment and income situation after graduation, the students choose to start repaying the principal within 1-2 years after graduation, and pay off the principal and interest of the loan within six years. If the borrowing student of the student loan does not repay the loan according to the time limit and amount agreed upon with the repayment agreement signed with the handling bank, the handling bank will charge interest on the amount of the default repayment, and the lender who is seriously default will also bear the relevant legal liability.

Most of my tuition fees when I entered college were borrowed from relatives and friends. It is even more difficult to pay tuition fees this year. In order not to affect my own school due to financial difficulties, I can pay the tuition fees in a timely and full amount. Therefore, I have proposed a student loan to the school and the bank. The amount of my loan is 6,000 yuan, and I will pay off my principal and interest within one year after graduation. My parents also agreed to my loan and agreed to assume joint and several liability. After the loan, I promised to fulfill my loan repayment obligation and return the principal and interest of the loan on time. After leaving school, I must repay the loan on time according to the agreement, and I will never default, because I know that there are still many students who are in similar situations with me waiting for the loan to pay the tuition fee! Please trust the bank and school leaders, I will use my personality as a guarantee! I hereby apply and I hope to approve it!

Sincerely

salute