What is the maximum loan for college students? Can I repay the student loan in advance? First of all, for college students who have just entered school, if they can apply for a student loan from the bank because of family difficulties, the student loan will enjoy the discount policy given by the state during the whole university period. The loan is interest-free, and the interest will be calculated according to the benchmark interest rate stipulated by the state after graduation. So, what is the maximum loan for college students? Can I repay the student loan in advance?
What is the maximum loan for college students? The state has a special student loan channel for students from poor families, which belongs to the national public welfare service and can be obtained without interest or mortgage. This loan channel needs to be organized by the school when enrolling students. The loan period is slightly longer, and the materials submitted are more reviewed. Generally, college students can borrow 3,000-5,000 yuan each semester through student loans, and begin to pay back the money after graduation. In addition, there are students' loans, and accommodation fees and tuition fees are required to use the loans. There are also strict restrictions on loan conditions and loan materials, but compared with student loans, the loan amount is generally around 2000-5000 yuan.
Can I repay the student loan in advance? At present, there are two repayment methods for student loans, Alipay repayment and bank repayment. All loans are interest-free while students are in school. After graduation, the bank will charge interest at the bank rate. So the sooner you repay the loan, you can pay less interest.
I. Alipay Repayment
1. Before the monthly 10 of the student loan prepayment of China Development Bank, log in to the student loan information network of China Development Bank, find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.
2. Find the prepayment application and apply for prepayment as required (except that the prepayment application date is 1 to 10 every month, 1 1).
3. If advance payment is required, please click the "Add" button to enter the advance payment adding page.
4. In the new page, select the corresponding contract number, and the information to be filled in will be displayed. After confirming the information, click "Submit" to complete the new operation.
5. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.
6. After the accounting processing cycle is 10 per month, the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.
7. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.
8. For specific repayment records, please check your loan background repayment records.
Second, the bank repayment
1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process.
2. After entering the bank, queue up to get the number, then go to the staff to get the application form and fill in all the contents in detail.
3. Go to the counter to handle the loan repayment procedures.
4. Send the repayment voucher to the relevant person in charge.
What is the maximum loan for college students? Can I repay the student loan in advance? The above are some introductions to this problem, hoping to help everyone. Among them, the student loan has no interest during the school period, and the bank begins to bear interest after graduation. Therefore, if conditions permit, it is best to choose to pay off early after graduation.
How much can college students borrow?
1 How much can I borrow from the undergraduate student loan?
8000 yuan.
The current national student loan subsidy ceiling is 6000 yuan per person per year. After adjustment, the annual loan amount for full-time college students shall not exceed 8,000 yuan; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.
2. Requirements for applying for student loans for college students
1, with full capacity for civil conduct;
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 provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations, and open a current account in the loan bank.
6. Other conditions stipulated by the lending bank.
3 student loan repayment method
1. Students should pay off in one lump sum or in installments before graduation;
2. After graduation, students can look at their liquidity to repay their loans;
3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly;
In the place where graduates work, according to their performance, they decide to reduce the loan repayment;
5. If the borrower is 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 shall be responsible for returning all the loans.
How much can college students borrow?
College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation fees.
1. application time and deadline: consult the local funding center. Time varies from place to place.
2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.
3. Application materials: Take the application form to any unit of high school, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of the borrower (origin), and go to the county-level financial aid center with the borrower to apply for a loan.
4. Renewing the loan: I or * * * and any borrower can go to the county rescue center to renew the loan with my ID card and the application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.
Extended data:
Measures of China People's Bank for the Administration of Student Loans:
Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.
Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.
Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.
Article 9 The repayment method of student loans is flexible, which can be repaid in advance, the interest can be paid off together with the principal, and the repayment can be made in installments (year, quarter and month). The specific method shall be agreed by the lender and the borrower and specified in the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.
Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be agreed by the school where the lender or borrower is located and the discount party.
Article 11 A borrower shall abide by his credit. If you drop out of school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.
Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of granting and recovering student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.