The living expenses of CDB loans are one loan a year, which is mainly divided into five steps.

1, loan application

The borrower applies for a loan from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his household registration is located.

2. Contract signing

(1) the local funding center to review the application materials.

② Local personal account

(3) Sign the Loan Contract for Student-origin Credit Student Loan.

(4) The "receipt of student-origin credit loan contract" issued by the local aid center.

3. Contract receipt

① Borrowing students bring contract receipts to school.

(2) the school according to the contract

③ The student himself sends the contract receipt back to the student's county-level financial aid center.

(4) The local financial aid center shall compile a summary table and report it to the provincial student financial aid management center.

⑤ The provincial funding management center submits it to the handling bank for approval.

4. Lending

① The handling bank will transfer the loan funds into the borrower's personal account.

② The loan funds are transferred from the personal account to the tuition account of the school where the borrower attends, and if it is the living expenses, it will be retained.

5. Contract change

The account name or account number of the individual account in the loan contract, or the reason why the loan cannot be repaid according to the repayment plan agreed in the loan contract, can be changed upon the application of the loan student himself and the approval of the county-level funding center.

Student loans are divided into tuition loans and living expenses loans according to their purposes. Tuition loans are issued according to the tuition standard of the school where students attend; Living expenses loans are issued according to the basic living expenses standard in the area where the school is located; Generally, the loan term does not exceed 8 years, and the principal and interest can be repaid flexibly, or the interest can be repaid quarterly or monthly following the principal). During the period of school, the interest on the student loan of China Development Bank shall be borne by the state.

Interest is charged after leaving school. After graduation, one-time repayment is interest-free, and installment repayment requires interest repayment. Student loans take longer. To put it bluntly, the total principal and interest is greater than the loans from students, and the repayment pressure is heavier than the national student loans.

Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible students with financial difficulties and students at school, which is handled in cities and districts.

2. Hello, may I ask which bank is given priority in the policy loan of China Development Bank? ...

The policy bank that undertakes policy loans to support agriculture is not the Agricultural Bank, but the Agricultural Development Bank, so the above statement is incorrect.

III. Who will fill in the form of China Development Bank * * and the borrower?

China Development Bank * * * and borrowers generally fill in their own guardians, or relatives other than guardians, but they need to meet the age of 18 to 60.

4. Who does the China Development Bank lend to?

The main business and service objects of China Development Bank include:

1. Make good use of the budgetary operating construction funds and discount funds arranged by the state, which are mainly used for national key large-scale projects such as the South-to-North Water Transfer Project, the Three Gorges Group, the West-to-East Gas Transmission Project and the high-speed railway.

2. Issue financial bonds to domestic financial institutions and financial guarantee construction bonds to the society, mainly serving the four major banks and other state-owned banks. 3. Handling loans from foreign governments and international financial organizations, and issuing bonds abroad with the approval of the state, mainly serving international financial organizations recognized by the WTO.

4, to the national infrastructure, basic industries and pillar industries, large and medium-sized capital construction and technological transformation and other policy projects and supporting projects to issue policy loans, the main service object is the national key scientific research projects.