How do college freshmen apply for bursaries

The new semester is about to begin, although everyone has long known that student loans can help poor students solve the problem of schooling, but there are still many college students who do not know how to apply for student loans. To this end, the reporter recently interviewed the heads of the university's colleges and universities to learn how college freshmen apply for student loans.
Pay the tuition fee first "green channel"
Teacher Nie Fenghua from the Department of Science and Technology of Tsinghua University introduced that each student should fill out a “Student Family Economic Situation Questionnaire” after registration, so that the school can keep abreast of the situation of poor families, and if the students with financial difficulties cannot pay the tuition on the day of registration. You can apply for a loan through the “Green Channel”. The entire process takes only 10 to 20 minutes. Tsinghua University freshmen have begun to report, and 102 students who reported this year have applied for loans through the “Green Passage” and paid tuition fees on the same day. This year, Tsinghua University provided a total of 670,000 yuan for poor students. There is no upper limit for the loan amount and there is no interest. At the same time, students can apply for a national student loan. It is understood that the time spent by Tsinghua students applying for student loans last year is about 6 to 7 months. After the national student loan application, students can repay the “green channel” loan.
How to apply for a national student loan is how to apply for a national student loan. Banks do not directly accept student loan applications. In principle, the loan bank will accept a national student loan application once a year. The borrower should submit a loan application to the designated department of the school within 10 days before the start of the new school year, and receive and truthfully fill out the “National Student Loan Application Form”. , "Application for National Student Loan Commitment" and other materials. All schools will appoint a special organization to manage the students. They will be responsible for the initial review of the students applying for the loan, and then pass the department review, the student office for review, and then the student office will report to the bank for review, and the bank will send the receipt to the school. Then, by signing the agreement, the application for the student loan can be completed. It is understood that the freshman of Tsinghua University last year applied for it in September and got a loan in March.
Who is eligible for the National Student Loan? According to the regulations, applying for student loans requires students to have full civil capacity; honest and trustworthy, law-abiding, and no violation of laws and regulations; good academic performance and ability to complete their studies normally; The income that can be obtained is not enough to cover the basic expenses required to complete the school; strictly abide by the regulations of the state, the handling bank and the school on the national student loan, and promise to correctly use the loan and fulfill the loan repayment obligation as required, and The Industrial and Commercial Bank of China Savings Office opens a current account. Other conditions stipulated by the loan bank.
Under normal circumstances, students get a loan of about 6,000 yuan per year by applying for a national student loan. Student loan amount = tuition fee charged by the school + basic living expenses prescribed by the city - personal income. Due to the different tuition fees for each school and the basic living expenses standards for each district, the maximum amount of student loans is not the same. In order to alleviate the burden of students repaying loans, the financial department grants repayment interest subsidies to students who receive national student loans. 50% of the student's loan interest is covered by the financial interest rate, and the remaining 50% is borne by the individual. The tuition loan is directly transferred to the designated account of the school by the bank according to the school year, and the basic living expenses loan bank is directly allocated to the current account opened by the student in ICBC.
In addition, students applying for national student loans should provide truthful copies of their personal identification documents and photocopies; provide proof of income of family-related personnel, or proof of income from other channels; if they use natural person guarantees, they must provide a guarantor's household registration book and be valid. ID card and photocopy, work unit, contact information, proof of income and proof of consent to the borrower; if the enterprise legal person guarantees the guarantee, a copy and copy of the business license of the guarantor, the previous year and the recent financial statements shall be provided. And the certificate of guarantee for the loan student; if the pledge guarantee is used, the list of pledges and pledges shall be provided; if the collateral guarantee is used, the collateral list and the collateral ownership certificate shall be provided; other materials required by the handling bank shall be provided.

After repayment of the student loan, the repayment time begins at the latest in the first year after graduation. The repayment method is to repay the principal and interest on a quarterly basis. The principal and interest of the student's loan shall be paid off within 4 years after graduation. The loan interest of 50% of the loan interest should be borne by the borrowing student, and the loan interest will be paid at the same time as the loan principal. After negotiating with the handling bank, the borrowing student can repay the principal and interest of the loan in advance, and repay the principal and interest of the loan in one lump sum and in installments. With the consent of the lending bank, the national student loan can be renewed, but some countries will no longer give interest subsidies. The borrowing student shall deposit the loan principal and interest into the original current savings account before the agreed repayment date, and the loan bank shall deduct the account from the account on the agreed repayment date. The national student loan is the first credit record for college students to enter the society. The state actively encourages college students to use credit loans to complete their studies. At the same time, they also educate college students to maintain personal credit through the implementation of national student loans. If the borrowing student fails to repay the loan principal and interest according to the contract, the loan bank will issue a dunning notice to the borrowing student, investigate the liability for breach of contract according to law, and collect the penalty interest.
The terminology of the National Student Loan is issued by the state-designated commercial banks to students in the full-time higher education institutions who are really difficult in the economy to help them pay tuition and living expenses during the school year. Loan account funds" loans for discount interest