National Student Loan Call Center Tel: 95593; Customer service hotline of China Development Bank: 86- 10-68306688. As the loan for college students' origin is also handled by China Development Bank, applicants can call the bank's customer service hotline 0 10-68306688 for information about the loan and the materials and conditions required for the loan.
Student-origin student loans generally refer to national student loans, which are bank loans led by the government, subsidized by the government, jointly compensated by finance and universities, and jointly operated by banks, education administrative departments and universities to help poor students in colleges and universities.
Borrowing students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time, repay in installments after graduation, and bear relevant legal responsibilities.
Loan form
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.
If the borrower fails to repay the loan according to the time limit and amount agreed in the repayment agreement signed with the handling bank, his breach of contract will be recorded in the credit information system of financial institutions (if it is overdue for three months in a row, it will be recorded in the bad record of the personal credit information system of the bank), and the mortgage will not be approved.
compensation policy
College graduates can enjoy tuition compensation and national student loan policy when they join the army. The amount of compensation for tuition fees or principal and interest of national student loans per academic year shall not exceed 6000 yuan; If the tuition fees actually paid by graduates or the principal and interest of national student loans are higher than 6000 yuan, compensation or compensation shall be made according to the amount of 6000 yuan per year; Less than 6000 yuan, in accordance with the principle of high tuition fees and national student loans, compensation or compensation.
The specific standards for tuition compensation and loan compensation during school before enlistment are the same as those for fresh graduates. At the same time, the state gives tuition subsidies to college students who apply for retirement and resumption of study. The maximum tuition fee is 6,000 yuan, and the annual tuition fee is 6,000 yuan, and the actual subsidy is less than 6,000 yuan.
Student loans shall be subject to the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year.
Where can a professional big family consult a loan?
Large professional households apply for loans and go to the bank for consultation. According to relevant information, large companies specializing in various industries need to consult local banks for loans. The higher their credit, the more loans they can get. Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Ordinary people can go to the bank for advice on how to get a loan.
Many people will apply for loans from banks when they are in urgent need of money, so how can ordinary people get loans from banks? What should I pay attention to when handling loans? Here is a detailed introduction for everyone, so that you can get a loan smoothly and avoid some unnecessary troubles.
When ordinary people go to a bank for a loan, they can go to the bank for consultation first, but they should ask according to their own loan type when consulting. Common loan types include mortgage loan, consumer loan, credit loan, venture loan, etc. Different loans need different conditions, and users can choose according to the actual situation.
Usually, borrowers can apply for mortgage loans when they own real estate. At this time, the loan amount is approved according to the collateral submitted by the user, which is generally about 60% of the mortgage real estate assessment amount; If you apply for a credit loan, the bank will approve the loan amount according to the borrower's annual income, and the credit amount of the credit loan will be different according to the borrower's occupation.
Borrowers submit materials according to their loan types, and then the bank will review them. After passing, the bank will lend money and then return it on time. When signing a formal loan contract, users can choose the repayment method and repayment period, which is generally determined according to their own income, but they can also return it in advance after handling the loan.
After handling the loan, the user should repay the loan on time according to the contract, and there can be no overdue situation, because there will be penalty interest after the overdue, and the overdue record will be uploaded to the credit information center, which will lead to poor personal credit information, affect the subsequent handling of various loans, and will not be repaid by the bank for a long time.
Finally, users can consult different banks when handling loans in banks, so that they can know which bank offers low loan interest rate, because the interest paid by the bank with low loan interest rate is low, which is conducive to the return of subsequent loans, but they should also pay attention to the loan conditions given by different banks to judge whether they meet the requirements.
How to consult a bank loan
To consult a bank loan, you must first prepare some necessary information, including identity certificate, income certificate, purchase contract, etc. Then, you can go to the loan center of the local bank or check online to find out the relevant loan policies and conditions and the information you need to provide. Then, you can consult the loan specialist of the bank, ask about the loan amount, term, interest rate and other issues, and ask how to handle the loan procedures. Finally, according to your own situation, you can apply for a loan by determining the relevant matters of the loan and making corresponding preparations.
Who should I turn to if I need a loan?
It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.