This is how student loans are handled.
I have all the information you want to know about how to apply for a student loan and what you need to prepare for it. Come and learn about student loans with me.
I. Policy introduction
1. What is a student credit loan?
Student-origin credit student loans refer to student loans issued by China Development Bank and other financial institutions to eligible freshmen and students with financial difficulties, which are handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
2. The loan amount and purpose
Full-time college students (including second bachelor's degree and higher vocational students) and preparatory students apply for a loan amount of not more than 8,000 yuan per person per year, not less than 1 1,000 yuan; If the sum of annual tuition and accommodation fees is less than 8,000 yuan, the loan amount shall be determined according to the sum of tuition and accommodation fees; If the sum of annual tuition and accommodation fees is higher than 8,000 yuan, it shall be determined according to 8,000 yuan. Full-time graduate students (including master students and doctoral students) can apply for a loan of up to10.2 million yuan, and other provisions are the same as those of full-time college students.
3. Term of the loan
According to the academic system, 13 years, with a maximum of 20 years.
4. How to determine the interest rate?
The benchmark interest rate of RMB loans of the same grade and the same period announced by the People's Bank of China shall be implemented, and it will not rise. Every February 2 1 65438 is adjusted according to the latest benchmark interest rate.
5. When will the repayment start and how long is the grace period for repayment?
During the study period, all interest will be subsidized by the finance.
If you don't continue to study for a degree in the year of graduation, you only need to repay the principal and interest within a three-year grace period, and the principal and interest of the loan will be paid off in the fourth year of graduation (except in special circumstances).
After graduation, those who continue to study for a degree during the repayment period should apply to the county-level funding center in time and provide written proof. After passing the examination, they can continue to enjoy a discount and a grace period of three years to repay the principal, but the loan period will not be extended.
6. What conveniences can the poor people enjoy when they set up a card?
Students who belong to the poverty-stricken population who set up a file and set up a card can apply for loans directly to the county-level financial aid center without having to identify their family's financial difficulties.
Second, the application conditions
1. The applicant shall meet the following conditions:
2. What conditions should the borrower meet?
Three. Loan application process and loan application materials
1, pre-application
Students studying in ordinary senior high schools and secondary vocational schools whose family financial ability is difficult to meet their basic expenses of study and life during their college years can apply in advance, including but not limited to: students who have obtained state grants in any school year in high schools (including ordinary senior high schools and secondary vocational schools) (including fresh graduates and repeat students), students from poor families with established files, students from families with minimum living security, students with poor support, orphans and disabled students, etc.
2. Where can I apply for a loan?
Students' credit student loans are applied, approved and issued on an annual basis.
When making the first loan, the borrower and the borrower need to go to the county-level aid center where the household registration is located. When renewing the loan, the borrowing student or * * * and the borrower can hold relevant materials to the original county-level funding center for handling.
3, the first application process and loan application materials
(1) Log in to the student online service system, complete the registration and fill in the basic information of the individual and the borrower, apply for a loan, print the application form and sign it.
(2) If the system prompts that the pre-application has passed, print the application form and sign it, and then forward the loan application materials according to the system prompts.
(3) Students who have not applied in advance, but really need to apply for student-origin credit student loans due to family financial difficulties, can go to the county-level financial aid center to consult and apply in advance or fill out the Application Form for Identification of Students with Family Financial Difficulties according to the actual situation, as the basis for identifying family financial difficulties to apply for loans.
(4) Please ask the borrower to bring the following loan application materials to the county-level rescue center for formalities:
The borrower's student and * * * are consistent with the original ID card of the borrower.
Original admission notice (or student ID card)
"Application Form for Student-origin Credit Student Loan of China Development Bank", students who have not passed the pre-application must also bring the original "Application Form for Identification of Students from Poor Families".
(5) Prompt
Some areas may require a copy of the front and back of the ID card, please consult the county-level funding center in advance, and the county-level funding center also provides scanning and uploading service for loan application materials;
If the borrower and the borrower are not in the same household registration book, they need to bring the original household registration books of both parties;
Different districts and counties may need different materials, so it is recommended to call the local county funding department for consultation before handling it.
(6) Report to colleges and universities with the acceptance certificate of the county-level financial aid center, and require the teachers of the financial aid center in colleges and universities to enter the electronic receipt before 10 of that year.
4. Loan extension process and loan application materials
Note: Please log in to the student online service system at least twice a year.
(1). Before going through the loan renewal formalities at the county-level financial aid center, please log in to the student online service system, 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.
(II) Renewal materials
Original ID card of the handler.
Original application form signed by the borrower or * * * and the borrower.
Note: If the loan renewal is changed to the same borrower, students and new borrowers need to go to the county center together when handling the loan renewal procedures.
(3) To report to colleges and universities with the admission certificate, college teachers are required to enter the electronic receipt before June 10 of that year.
Four. Repayment process and repayment method
1, normal repayment
(1)110 month (1September in the last year), log in to the student online service system and check the current repayment amount. The user name of the system is the ID number of the borrower. If you forget your password, you can call to reset it.
(2) During the period from 1 65438+1 October1to 65438+February 20th (the last year is September1to September 20th), you can directly recharge in the designated account or use the "student loan repayment" function to repay, or you can go to the nearest place.
2. Advance payment
(1) You can apply to the county-level financial aid center or log in to the student online service system to pay off the outstanding principal and corresponding interest of all student loans at one time. You can also apply for prepayment of part of the principal (which must be above 500 yuan and be an integer multiple of 65,438+000 yuan) and corresponding interest. After the application, you need to go to the nearest county-level financial aid center or university financial aid center as soon as possible and use the special POS machine for student loans to brush the debit card for repayment.
(2) You can apply for prepayment (except in special circumstances), and the system will determine the corresponding interest settlement date and interest amount according to the application time (interest is calculated to the interest settlement date).
1 to September and 65438+February: submit the application before 15 (inclusive) every month, and the interest will be calculated until the 20th of the current month, so please repay it before the 20th of the current month; Please submit your application after 15, and the interest will be calculated until the 20th of the next month. Please repay before the 20th of the next month.
Submit the application in June 65438+ 10, June/kloc-0+1 0: June1to June 15, and calculate the interest to 10/20/kloc-. Please repay before1October 20th 10. Submit the application from June 16 to June165438+10.30, and the interest will be calculated until February 20/kloc-0.2. Please repay the loan before February 20th of 12.
(3) If the funds in the designated account are insufficient to pay the interest due for prepayment, the prepayment application shall be deemed invalid;
If it is enough to pay the interest payable in advance, but not enough to pay the principal payable in advance, only the interest will be deducted.
3. Overdue repayment
Overdue repayment can be from 1 to 20, 1 1 to 1 to 65438+February 20. After starting to repay the interest, if 65438 fails to repay in time on February 20th of that year, it will be regarded as loans overdue. After the repayment of the principal is started, the overdue principal will be charged with penalty interest at the current interest rate 130%. In case of overdue repayment, overdue principal and interest and corresponding penalty interest shall be repaid. The specific amount can be found in the student online service system on 1- 19 every month.
4. You need to go through graduation confirmation procedures before leaving school.
From April to June of the year of graduation (or graduation), please log in to the student online service system to update your personal information, and truthfully fill in the latest family information, employment information, contact information and reasons for the change.
Verb (abbreviation of verb) knowledge of credit information
In order to help commercial banks improve their risk management ability and credit management efficiency and prevent credit risks, the People's Bank of China has established a basic database of personal credit information, also known as personal credit information system. The credit information system stores the handling and use of bank loans and credit cards by natural persons in the form of credit reports.
1. What does the personal credit report include?
The first is "who are you", including name, ID number, home address, work unit, etc.
The second is "your credit history", including personal loan information (loan amount, term, repayment record, etc. ) and credit card information (credit limit, repayment record, etc.). ).
Finally, the inquiry record, when and which institutions inquired about your credit report.
With the continuous improvement of the credit information system, the credit information report will also collect information related to personal credit in other fields, such as social security payment, provident fund payment, court civil judgment, tax arrears and personal payment of public utilities fees such as water, electricity and gas.
2. How does the credit report affect personal credit reporting activities?
(1) The biggest advantage of credit report is to help individuals accumulate credit wealth and facilitate credit business. Every time you repay the bank and overdraw your credit card on time, it will be recorded in the credit report, which will help you to handle bank mortgage, car loan and credit card more quickly and conveniently in the future.
(2) According to the relevant provisions of the National Credit Management Regulations, after the overdue loans are settled, the relevant bad records will be kept for 5 years. In order to get a job, go abroad, spend money, apply for a credit card, mortgage and car loan, please repay the overdue loan as soon as possible.
(3) Students who fail to repay the loan as agreed, are in arrears for more than 1 year, and do not actively contact the county-level financial aid center have the right to publish information such as their names, ID numbers, graduation schools, breach of contract, etc. in the news media and online information channels, without informing themselves as agreed in the loan contract.
3. How to check the credit report for free?
Method 1: Go to the designated inquiry outlet of China People's Bank for on-site inquiry.
Method 2: You can log on to the personal credit information service platform of China People's Bank for inquiry.