It's automatic deduction. According to the information about the investigation grant, it is known that this money is deposited in CDB for deduction. The repayment amount before 15 will be deposited into the Alipay account of the student loan, and will be deducted by the China Development Bank 20 days later.

Will the school directly deduct the student loan after it arrives?

Under normal circumstances, after the student's student loan arrives, it will directly hit the student's Alipay account, but at this time, the funds will only be deducted into the school account through the student's Alipay account. After all the loans given by the school to the students are received, tuition and accommodation fees are deducted, and the remaining funds are returned to the students after deduction, usually in 165438+ 10 month every year.

There are two kinds of student loans, one is student-origin student loans, and the other is national student loans. 1. At present, the student source credit loan contract signed by China Development Bank and students does not clearly stipulate the time when the funds will be transferred to the student account. The loan arrival time will not affect the normal registration of students. Students can report to the school with a loan contract at the beginning of school. After verifying the relevant information and perfecting the loan procedures, borrowers who meet the requirements of student-origin student loans will be remitted to the borrower's Alipay account through Alipay platform 165438+ in late October by China Development Bank, and the loan fees will be automatically deducted by the system according to the entrustment of China Development Bank, and immediately transferred to the university account. After deducting tuition and accommodation fees, the remaining money will be transferred to the borrower's student account.

Student-origin student loans arrive around June 1 1, and national student loans arrive around mid-June 1. The student loan will be paid to Alipay account, and the school's tuition automatic deduction system will automatically deduct your tuition and accommodation. After deducting tuition and accommodation fees, the remaining amount can be extracted and used.

2. If it is a national student loan applied for this academic year, the loan will be signed with the borrower after being reviewed by the school and the loan bank, and the loan will be released about 20 working days after the contract is signed, and the time is about165438+1mid-October; If you apply for a student loan every academic year, the loan bank will transfer the loan amount to the Alipay account of the loan student year by year. In the second year, you don't need to reapply, and the review is much simpler. You mainly pay attention to students' school performance and exam results, so you will receive a loan amount in the middle of 10.

Will the student loan repayment be automatically deducted?

Yes, it is automatically deducted. Before the repayment date, the funds to be repaid need to be recharged to the borrower's Alipay account, and the Alipay system will deduct the corresponding funds from the borrower's Alipay account on the deduction date and transfer them to the China Development Bank.

2 1 day of each month is the Alipay deduction date. Please check the balance of Alipay account on 22nd. If no deduction is made, the repayment will be unsuccessful. If the funds have been deducted, please log in to the loan system on the following month 1 day to confirm whether the repayment is successful.

1, short-term loan: 4.35% within 1 year (inclusive);

2. Medium and long-term loans: 1-5 years (including 5 years) 4.75%; 4.90% for more than 5 years;

3. Personal housing provident fund loan: 2.75% for less than five years (including five years); 3.25% for more than 5 years.

The loan interest rates of different banks are different, but they are all based on the loan interest rate announced by the central bank, and the real interest rate may rise. Bank loan interest rates can be divided into short-term loan interest rates, medium-and long-term loan interest rates and provident fund loan interest rates. Take the central bank as an example to make a concrete analysis:

1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.

2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.

3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Will the student loan be automatically deducted from the bank card?

Yes, generally speaking, before the repayment date, the borrower will deposit the interest in full into Alipay or the corresponding bank account. On the deduction date, Alipay or the banking system will automatically deduct the corresponding funds from the borrower's account and transfer them to China Development Bank. If there is no deduction, the repayment is unsuccessful; If the deduction has been made, please log in to the loan system on June 1 day of the following month to confirm whether the repayment is successful.

1. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.

2. All regions should continue to vigorously promote the work of national student loans to meet the loan needs of college students and graduate students. The financial department should fully arrange and timely allocate the national student loan discount and risk compensation funds. The handling bank shall, according to the loan demand, fully arrange and timely issue the national student loan credit funds. Colleges and universities should bear 50% of the risk compensation for national student loans in accordance with the requirements of the Notice of the General Office of the State Council on Forwarding Several Opinions of the Ministry of Education, the Ministry of Finance and the Banking Regulatory Commission of the People's Bank of China on Further Improving the Work of National Student Loans (Guo Ban Fa [2004] No.51), and cooperate with the handling bank to verify the tuition and accommodation standards for students applying for loans.

3. After the adjustment of the national student loan subsidy standard, the Notice of the General Staff Department of the Ministry of Finance and the Ministry of Education on Printing and Distributing the Measures for State Funding for Compulsory Military Service for College Students (Cai Jiao [2065438+03] No.236), the opinion of the Ministry of Finance, Notice of the Ministry of Education and the General Political Department of the General Staff Department on implementing the education subsidy policy for retired soldiers (No.20165438) and Notice of the Ministry of Finance and the Ministry of Education on Printing and Distributing the Interim Measures for Tuition Fees and National Student Loan Compensation for Graduates of Ordinary Colleges and Universities (No.2009 15) on tuition compensation, the national student loan compensation and tuition subsidy standards are adjusted to a maximum of 8,000 accordingly.