1. The annual interest repayment date for China Development Bank student loans (including university student loans and student loans from places of origin) is ().

D

2. What are the steps for the first loan in the China Development Bank’s college student loan system?

The steps for the first-time loan in the China Development Bank’s college student loan system are as follows:

The process of the China Development Bank’s student credit student loan is as follows:

1 , apply online. Students log into the China Development Bank’s student credit student loan online system (website: ), register and submit a loan application. After applying online, the "China Development Bank Student Origin Credit Student Loan Application Form" (referred to as the "Application Form") is generated, exported and printed.

2. Qualification determination for financial difficulties. First-time loan students should take the application form to the township (street) civil affairs department to confirm their family's financial difficulties. If the township (subdistrict) civil affairs department confirms that it is true, fill in the review opinions in the relevant position in the "Qualification Review Status" column of the application form, stamp it with the official seal, fill in the date, signature of the person in charge and leave the contact number.

3. On-site acceptance. Present: original ID cards of the student and *** and the borrower, original admission notice (original student ID card for current students), original household registration book; submit: original "Application Form" signed by the student and certified by the student, ID cards of both parties A copy and a copy of the admission notice (or student ID card).

4. Account opening. The China Development Bank entrusts the third-party payment platform Alipay to act as an agent for credit student loans in the student's place of origin, and is entrusted with the issuance and recovery of loan funds. China Development Bank entrusts Alipay to open Alipay accounts for borrowing students.

5. Sign the contract. The staff of the student financial aid management department of the county (city, district) education bureau will conduct a preliminary review of the materials submitted by the students. Those who pass the review will sign the "National Development Bank Student Origin Credit Student Loan Contract" with the student borrower and the same borrower. ", issue the "China Development Bank Student Origin Credit Student Loan Acceptance Certificate" (referred to as the "Acceptance Certificate") and submit it to the borrower and the same borrower together with two copies of the contract text.

6. The university enters the contract receipt. Borrowing students report to the school with proof of acceptance, and the person in charge of the school's student financial aid management department logs into the Development Bank's student loan management system to enter the electronic contract receipt. If the electronic acknowledgment of the contract is overdue and has not been recorded, the loan application will be automatically canceled according to the loan contract.

7. Loan issuance and payment. The contract will come into effect after approval by the China Development Bank. After the contract comes into effect, the China Development Bank will allocate the loan funds to the borrower's personal Alipay account through the third-party payment platform Alipay based on the contract loan amount. The third-party payment platform will transfer the corresponding loan funds to the account of the borrowing student's school according to the amount of unpaid fees stated in the contract receipt, and will be used to pay the tuition and accommodation fees of the borrowing student while studying in the university; the remaining part of the loan funds will remain with the borrowing student. In Alipay personal accounts, borrowing students can withdraw cash after completing real-name authentication.

3. What is the process for applying for national student loans in colleges and universities

The specific process is as follows: 1. First, we need to apply for a national student loan to the school, which can be done through the National Development Bank of China Fill in the application information online through the local credit student loan information system, and export and print it after completion; you can also get a paper application form for the national student loan from the school and fill in the application information as required; 2. Provide the school with the completed village committee , the student loan application form stamped with the official seal of the township civil affairs department, and provide valid ID, household registration and other information; 3. After receiving our loan application materials, the school will conduct a qualification review; 4. Pass the review Afterwards, students and their fellow borrowers need to bring relevant materials to the relevant departments to handle the student loan procedures, sign a loan contract, and then wait for the loan bank to issue the loan. What should you pay attention to when applying for student loans? 1. You cannot apply for two types of loans at the same time. According to policy regulations, students who have applied for national student loans cannot apply for student loans from their place of origin. In other words, they can only apply for one of the two types of loans. 2. There are differences between national student loans and student loans from the student’s place of origin.

Although national student loans and student loans from student origin are used to solve the tuition and accommodation fees problems of poor students, the loan interest rates are based on the benchmark interest rates for loans of the same period and grade announced by the central bank and will not rise. Students do not need to The interest paid is subsidized by the finance department. However, there are still some differences between the two: (1) The application locations are different. National student loans require borrowing students to apply at their university after the semester begins; while student loans in the place of origin require borrowing students to apply at the student financial aid management center in the place of residence. (2) The application time is different. National student loans generally start after the semester starts in September; student loans from the student's place of origin can be applied by logging into the student online service system after receiving the admission notice, but the specific start and deadline times are not stipulated by local student financial aid management centers. The same, so students who want to borrow money need to go to the local student financial management center for consultation. (3) The term of student loans in different countries is, in principle, no longer than 6 years after graduation; in principle, student loans in the student’s place of origin are determined based on the academic length plus 10 years, and can be up to 14 years. 3. After obtaining the loan, you must repay it in full and on time to avoid the following bad credit records, which will affect your future applications for home loans, car loans and credit cards; 4. The interest rate of the national student loan shall be based on the loan benchmark interest rate issued by the central bank in the same period and will not rise. ;5. Borrowing students do not need to pay interest during the normal period of school, but they need to pay the interest themselves after graduation; 6. If the borrowing students want to repay the loan in advance, they can only choose to repay the loan in one lump sum in advance. Currently, the early part is not supported. Repayment.

IV. Specific procedures for university student loans

(1) Each school designates a specialized agency to uniformly manage the national student loan work of the school and is responsible for the preliminary review of students applying for loans. (2) The school pays the student loan management center on schedule (the National Student Loan Management Center is located in the Ministry of Education and is responsible for the management of national student loan affairs for universities affiliated to the central ministries and commissions; the student loan management centers of each province, autonomous region, and municipality directly under the Central Government are located in each province, autonomous region, The municipal education administrative department is responsible for the management of national student loan affairs for the colleges and universities in the region) and submits annual loan application reports for the entire school. (3) According to the loan application amount approved by the Student Loan Management Center, submit it to the handling bank. (4) The handling bank will investigate and verify the completeness and authenticity of student loan application materials and the legality and validity of the loan guarantee. The list of students who agree to grant loans and the amount after review will be notified to the school where the borrower is located, and the school will organize the borrower to fill in the loan contract text, loan voucher and other relevant procedures. (5) After the handling bank has reviewed the loan procedures completed by the students who have received the loan, it will approve it according to the loan approval procedures, prepare a loan notice for the approved loan, and notify the school where the student is located.