Yes, the website address is wrong. 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 expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. 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. 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 statements in the school enrollment brochure or admission notice. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government. On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.
2.202 1 what are the requirements for applying for college entrance examination grants?
Research on the Policy System of Student Financial Assistance in Colleges and Universities
1. National Scholarship
Reward outstanding full-time undergraduates (including higher vocational and second bachelor's degrees) included in the national enrollment plan, reward 60,000 people every year with an annual income of 8,000 yuan per student, and issue honorary certificates uniformly printed by the state.
2. National Inspirational Scholarship
Full-time college students with excellent academic performance (including higher vocational colleges and second bachelor's degrees) who are included in the national enrollment plan will be rewarded, with an annual income of 5,000 yuan per student.
3. State appropriation
Full-time undergraduate students with financial difficulties (including preparatory courses, higher vocational colleges and second bachelor's degrees) listed in the national enrollment plan are subsidized, and the average subsidy standard is 3300 yuan per student per year.
4. National student loans
Students from poor families can apply for a national student loan to solve the tuition and accommodation fees, with a maximum of 8,000 yuan per person per year, and the interest during school shall be borne by the state. The term of the student loan is academic system plus 15 years, and the longest is no more than 22 years. The student loan interest rate shall be implemented according to the loan market quotation rate (LPR) of the same grade in the same period minus 30 basis points. National student loans are divided into student-origin credit student loans and campus-based national student loans. Students with loan needs can consult the student financial assistance management institutions in counties (cities, districts) where their household registration is located, or consult the student financial assistance departments of colleges and universities for the national student loans in their places of origin. In the same academic year, students with loan needs can only choose to apply for a national student loan.
5. The state's educational aid to college students.
Tuition compensation, national student loan compensation and tuition reduction shall be implemented for college students who have been enlisted for compulsory military service, enlisted as noncommissioned officers, and returned to school or enrolled after retirement. The amount of tuition compensation or national student loan compensation shall be the higher of the tuition actually paid by the students or the national student loan (including the principal and the interest generated before full repayment, the same below); The amount of tuition fee reduction or exemption after resumption of schooling or freshmen's admission shall be implemented according to the actual tuition fee charged by colleges and universities. The standard of tuition compensation, national student loan compensation and tuition fee remission shall not exceed 8,000 yuan per student per year, and the part exceeding the standard shall not be compensated, compensated or exempted.
6. Basic-level employment tuition compensation loan compensation
If the fresh graduates of central colleges and universities voluntarily go to the grass-roots units in the central and western regions and hard and remote areas for more than 3 years (including 3 years), they will be given tuition compensation or national student loans, and each student will not exceed 8,000 yuan per year. Compensation for tuition fees for graduates of local colleges and universities is formulated and implemented by local governments with reference to central policies.
7. Public education for normal students: a targeted training plan for outstanding teachers in underdeveloped areas in the central and western regions.
Students trained at public expense in Beijing Normal University, East China Normal University, Northeast Normal University, Central China Normal University, Shaanxi Normal University and Southwest University, as well as students trained in the directional training program for outstanding teachers in underdeveloped areas in the central and western regions (referred to as the excellent teacher program) can get living allowance without paying tuition and accommodation fees during their school days. Excellent students who are interested in teaching and meet the requirements of non-normal majors can be transferred to public normal majors within two years of enrollment, and colleges and universities will refund tuition and accommodation fees and reissue cost of living allowance. Some provinces have also implemented the policy of free education for local normal students, and local normal colleges in the central and western provinces have also carried out the training of local excellent teachers. Students who apply for normal majors in the above areas can consult relevant institutions specifically.
8. Funding projects for new students' admission
Freshmen with special financial difficulties in the central and western regions can apply for admission funding projects to solve the transportation expenses and short-term living expenses after admission. Students can consult the local county education department.
9. Work-study program
On the premise of spare capacity, college students can
3. How to write the application for student loan for poor students in senior three?
First, personal basic information matters needing attention:
1, you can fine-tune the cell size and adjust the font size appropriately;
2. The date of birth is separated by "."between years and months, and a single month is 992.08 (English);
3. The year of admission is only the year, such as 2012;
4. What kind of awards have you won?
Second, the family economic situation matters needing attention:
Household registration chooses rural areas;
The total family population refers to the number of immediate family members (families) including themselves.
Total monthly household income (according to the actual situation)
Per capita monthly income: total income divided by total population;
Sources of income (work, agriculture, individuals);
Home address (residence)
Postal code (current home postal code).
Third, family.
I can't appear in this column;
And mother and son/daughter, sister and brother) can't be written as father and mother.
If there is no work unit, write about farming, and write about students when studying at school.
Four. Reasons for application:
Honorific words, such as "Hello, thank you, I hope the school will approve", cannot appear in the application reasons;
There can be no ill-defined sentences and typos;
The reason is simple and clear;
All signatures should be handwritten and printed (outside proofreading);
According to the facts
Verb (abbreviation of verb) school audit opinion:
The office for applying for audit opinions is filled in by the school, which is generally the school financial assistance management center.
Six: This form can be printed and handwritten:
Attention should be paid to the printed part:
1, you can fine-tune the cell size and adjust the font size appropriately;
Generally speaking, the font is very small.
3. After the photo is printed, paste an inch bareheaded color photo;
Seven: This form is in duplicate, and the contents must be exactly the same, together with the poverty certificate, family economic status questionnaire and other low guarantees.
Some colleges and universities also need to submit a copy of this member's household registration book.
4. How do poor students apply for loans?
1. How to apply for a student loan
Students who apply for loans should apply to the school loan examination and approval authority by themselves, and provide the necessary information on their own and their family's economic situation (generally including their written application, family economic situation questionnaire, proof of difficulties at street or township level or above, guarantor's letter of guarantee and their actual performance, etc.). ) and promised to provide a repayment guarantor. Current altitude
The actual amount of school student loans is generally more than 1000 yuan per year.
Student loan repayment form:
(1) Before graduation, students will pay off in one lump sum or in installments;
(2) After graduation, the work unit will return all the loans to the loan issuing department;
(3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years;
(4) Graduates' work units can decide to reduce the early repayment according to their work performance;
(5) For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.
2. How to apply for a national student loan
Applicable object: Full-time undergraduates, junior college students and graduate students studying in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province) who have real financial difficulties.
Students applying for national student loans should meet the following conditions: ① they have full capacity for civil conduct (minors must have the written consent of their legal guardians); 2. Honest and trustworthy, law-abiding, no illegal behavior; (3) Good academic performance and normal completion of studies; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ 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 repayment obligation according to the regulations; ⑥ Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.
Application procedure: the bank does not directly accept the loan application of students at school. Students who apply for a loan must apply for a loan at the designated department (usually the student office) of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.
The national student loan interest rate 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 students is subsidized by the state finance, and 50% is borne by the borrowing students.
Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. Flexible repayment of principal and interest can be used to repay the loan in advance, or the interest can be paid off with the principal, or it can be repaid by stages (yearly, quarterly and monthly). The specific repayment method shall be agreed by the lender and the borrower and included in the contract. The repayment time starts from the first year after graduation at the latest. The principal and interest borrowed by students should be paid off 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 subsidies after it is overdue.