As the name implies, renewing a loan means that the user has applied for a loan in the bank and continues to apply for another loan. Users need to have credit and guarantee, meet the loan conditions of banks, and have strong ability to repay the principal and interest. Under normal circumstances, as long as the procedures are complete, users can basically handle it successfully. Individuals or small and micro enterprises, if they have stock loans in banks, can get loans as long as they meet the conditions of banks.
First, the bank loan extension process
1. Enterprises in need need need to submit a loan application to the bank, which can be handled online, and the account manager will call.
2. Provide the business license of the enterprise, the running accounts of the last three years, the tax payment records of the last two years and other materials.
3. Audit of Chang 'an Bank: After the bank receives the enterprise's loan renewal application, it will arrange the credit personnel to carefully audit all the information and evaluate the enterprise's qualification.
4. Signing a loan contract: If it meets the requirements, Changan Bank will sign a loan contract with the enterprise to issue loans.
Second, college students renew their loans:
Sophomore loan renewal can be handled online or signed online, and different loan renewal methods have different processes. If it is handled online, sophomores and repayers need to go through the formalities at the county financial aid center and submit their ID cards and signed application forms. No qualification examination is required, and the application form does not need to be stamped.
If it is an online signing, students log in to the online student loan system of China Development Bank, and after completing the identity authentication through Alipay, they apply for loan renewal. After the teacher accepts and passes the examination, they sign a loan renewal contract online.
Third, the student loan extension process:
Log in to the "Online Student Aid System of Credit Loans for Students from China Development Bank";
1. In the student online service system, log in to your personal account, apply for loan extension online and print the loan extension application.
2. Bring the loan renewal application, my ID card, student ID card and loan renewal application form, and sign the contract with the local student loan assistance center.
3. Submit the contract to the staff of the university financial aid center and handle the electronic receipt.
4. it's done.
University student loan extension process
If you want to renew the college student loan, you can follow the following steps:
Step 1: Log in the student loan information network of China Development Bank on the computer browser;
Step 2: Click to enter the student online service system;
Step 3: Click "Loan Application" and then click "Add";
Step 4: Fill in the loan extension statement and submit it according to the prompt on the loan application page;
Step 5: Click "Export Application Form" after submission; Click "Save" again; Then go to the "Save" location to find the renewal application form and print it out.
Step 6: Take the printed application form, personal ID card, student ID card and other materials to the assistance center to find the staff to handle the loan renewal procedures, sign the contract and handle the receipt.
It should be noted that the renewal of student loans is generally handled from May to September every year, and there may be differences among universities in different places. It is recommended to pay specific attention to the notice of the school so as not to miss the renewal time; Or you can log on to the National Development Bank student loan information network to inquire about the extension time.
How to renew the loan?
Loan renewal generally refers to student loan renewal. You can apply for student loan renewal in official website. The specific process is as follows: 1. First, Baidu search opened official website and chose the first student loan from China Development Bank.
2. Choose a student loan.
3. Enter the account password or use the mobile phone number to verify login.
4. After logging in successfully, click "Help" to renew the loan.
5. Select on-site acceptance, print documents and go to the site for handling.
The extension of student loans needs to be handled within the specified time, and it cannot be handled beyond the specified time. The student loan here is an important measure taken by the CPC Central Committee and the State Council to increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy.
Student-origin student loans are mainly for full-time undergraduates (including higher vocational colleges and second bachelor's degrees) in public universities, higher vocational schools and colleges. Those who meet the requirements stipulated by the state can enjoy the state funding policy. Mainly for poor students.
Student loans should be repaid on time after graduation, and cannot be returned after the deadline. In future repayment, the loan interest rate shall be subject to the LPR interest rate published by the People's Bank of China. When the user is overdue in the repayment process, the bank will upload it to the credit information center, and the personal credit information will deteriorate, which will affect the handling of various loans.
Version information: Take Baidu 13.7 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Student loan renewal process
The extension process of student-origin student loan is as follows:
1. First enter the student loan information network of China Development Bank, log in to the student online service system to update personal and * * * related information with the borrower, and then apply for loan renewal. Fill in the loan extension statement according to the system prompt, print the application form and sign it.
2. Log in to the student online service system and upload the renewal materials according to the system prompts.
3. Take the following loan application materials and go through the formalities at the county-level funding center.
(1) Original ID card of the handler;
(2) The original application form.
Note: If * * * changes with the borrower, it is necessary to go through the formalities of changing with the borrower at the county-level funding center before applying for loan renewal.
4. Report to colleges and universities with the admission certificate, and require college teachers to enter the electronic receipt before 10 of that year.