1. What are the application conditions for student-origin student loans?
The supporting object of student-origin student loan must meet the following conditions:
1, with China nationality;
2, honest and trustworthy, law-abiding;
3. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);
4. The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies at school.
5. Freshmen or college students who have been officially admitted to full-time ordinary colleges, higher vocational schools and junior colleges that have been approved to set up higher education in accordance with the relevant provisions of the state, and have obtained a true, legal and effective admission notice;
* * * Conditions meeting the requirements of the Borrower:
* * * The same borrower is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.
Second, how to log in to the student loan system?
1. First of all, this website can only be used by browsers with IE kernel, so we will open it even if there is something wrong with the certificate. I found this website, which is the aid system of China Development Bank. When I see two options, I usually choose the place of origin.
2. After logging in, we can find that we need the login box to log in by user name and ID number.
3. The login window with 3.ID number shows that you need to enter a password. If you forget your password, you can get it back by email.
4, user name login window, generally speaking, the user name setting is best to add some numbers behind the pinyin of your own name to distinguish!
Three. Student-origin student loan registration process:
1. Search the student loan information network of China Development Bank online and find official website;
2. Select the student online service system (student source) and click Enter;
3. Select the student loan from the student source and click Register;
4. Click to agree to the terms of the registered user agreement;
5. Fill in your real information as required;
6. After the information is completed, the registration is completed.
4. What are the steps to apply for a student loan?
1. Log in to CDB student online service system and register with your real name;
2. Select "Student Loan" on the homepage of the website;
3. After logging in, click "Add" in "Loan Application" and fill in the application information;
4. Submit the application materials, export the application form for student loan (signed by myself), and go to the village committee/township civil affairs department to review and confirm the family economic situation and affix the official seal;
5. Bring the loan information (including the loan application form, the borrower and the borrower's valid ID card, household registration book, university admission notice, etc.). ) to the student financial assistance management center where the household registration is located. If the information is complete, true and reliable, you can sign a loan contract and get a loan acceptance certificate;
6. After the start of school, the borrowing students bring the loan contract and loan acceptance certificate to the financial aid management department of the university, and ask the teacher of the financial aid management department of the school to input the collection information into the student loan management system of the student origin;
7. The household registration student financial assistance management center confirms the receipt information of colleges and universities, summarizes the loan contract and other information, and submits it to CDB for approval;
8.CDB will transfer the loan funds to the borrower's Alipay account, the tuition and accommodation fees to the university account, and the remaining funds can be extracted for living expenses.
5. How to calculate the student loan interest?
Student-origin student loan interest rate The benchmark interest rate for RMB loans of the same period and grade announced by the People's Bank of China shall be implemented. Student loans are calculated according to the cumulative interest method, and interest is charged annually according to the actual number of days. The value date is the loan issuance date of Development Bank, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last loan year is September 20th). The calculation method is as follows:
Interest = cumulative interest-bearing products × daily interest rate, in which:
Daily interest rate = annual interest rate ÷360
Accumulated interest product = total daily balance.
If the repayment is not made within the agreed time limit, default interest will be charged according to the actual overdue amount and overdue days, and the default interest rate of student-origin student loans will be 130% of the normal loan interest rate, excluding compound interest.
The above content is about the application conditions, registration process and how to calculate the interest of the student-origin student loan compiled by Nippon Jinfu Bianxiao. I hope it will help everyone.
If you still don't understand, please consult Bangjinfu official website or download Bangjinfu APP to provide you with better service.