Problems that should be paid attention to in student-origin loan.
1. The borrower shall carefully read the contract text and earnestly perform all the obligations of the borrower.
2. If the relevant national policies are adjusted, the new policies shall prevail.
3. China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the borrower's consent.
4. The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the individual's future life and work.
5. After repayment, the borrower shall check the accounts with the student financial assistance management department of the Municipal and County Education Bureau and the handling bank in time to prevent problems.
Extended data:
First, the amount of student loans.
The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1000 and 8,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
Second, the student loan period
1. The loan term is determined in principle according to the years of full-time undergraduate education (students are subject to the remaining years of education) plus 10 years, and the longest loan term shall not exceed 14 years. Two years after graduating from normal education, students will repay the loan principal in installments according to the loan contract.
2. The grace period is two years after the students are in school and graduate. After the grace period, the students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
3. Borrowing students who have studied for more than 4 years and continue to pursue higher degrees (including graduate students and second bachelor's degrees) will shorten the period of debt service after graduation.
Baidu encyclopedia-student loan
Baidu encyclopedia-national student loan