Mainly in the local education bureau, you can also check online.
Loan receipt code generally refers to the voucher audited by colleges and universities after the application for student loan is submitted. There are many ways to query the loan IOU code. You can directly call the county rescue center for telephone consultation. If it passes the examination, it can tell the loan receipt code. If it is still under review or fails, there will be no loan receipt code. You can also log on to the student loan information network of China Development Bank and check the loan process in the student online service system (student source) according to the application steps or after application. If "Approved" is displayed, the loan receipt code will be displayed below. Or log in to the online banking for lending, click Transfer Remittance-Transfer Record on the home page, then find the record to be printed in the jumped page, and click View or Print Receipt to query.
It should be noted that the receipt means that the student who borrows money will submit the admission certificate to the school after reporting to the university, and the school will enter the receipt in the system for confirmation. After the student submits the loan application, the signed loan contract will receive a receipt at the scene. After returning to school, the receipt is entered by the teacher. If you don't enter, it will affect your loan issuance. Unqualified, need to be reissued by the funding center. Students need to hand in the loan receipt code to their school, and then the student financial assistance management department of the school will enter the receipt check code in a unified way. If this step is not completed, it is equivalent to the students voluntarily giving up the student loan of that year.
About student loans
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.
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I have taken out a loan for the students' origins. Will the school know about my loan before school starts?
No, if the school starts, the counselor will count the student loan.
1. What is the interest rate for college students' loans?
The interest rate of student loans is implemented according to the benchmark interest rate of the central bank. Under normal circumstances, the student loan interest rate does not float. The benchmark interest rate for central bank loans is:
1. Within one year (including one year), the interest rate is 4.35%.
2. The loan term is one to five years (including five years) and the interest rate is 4.75%.
3. If the loan term exceeds five years, the interest rate is 4.90%.
The loan amount of college students' origin is not less than 1 1,000 yuan, and the maximum annual loan amount is not more than 8,000 yuan. Repaying the loan after graduation is a grace period for the first three years after graduation. Only the loan interest needs to be repaid, and there is no need to repay the loan principal. After the grace period, you need to repay the principal and interest according to the loan contract.
2. Student-origin loan for college students, specific process:
1. The borrower who applies for a loan applies for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his household registration is located (hereinafter referred to as the "county-level financial assistance center"), fills in the loan application form and provides the following materials:
(1) Original and photocopy of the borrower's household registration book (this);
(2) The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);
3 proof of student status. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.
2. Contract signing
① The local financial aid center examines the application materials →→→→→→→ The local financial aid center instructs the borrowing students to open a personal account in the handling bank →→→→→→→→ The local financial aid center issues the receipt of the student credit loan contract. Contract Receipt ① Borrowing students bring the contract receipt to the school → ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the county-level financial aid center where the students are located → ④ The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review.
3. Lending
① The handling bank transfers the loan funds to the borrower's personal account→→→→ ② The loan funds are transferred from the personal account to the tuition account of the borrower's school.
4. Change of Contract After the signing of the loan contract, if the borrower needs to change the account name or account number of his personal account, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.
Will the school check the employment units involved in the graduation application for student loans?
Student loans will not be investigated. After the loan student submits the loan application, only the relevant departments will review the loan materials submitted by the loan student. After the review is passed, the user will be notified to sign the loan contract and issue the loan. But it is usually because the loan materials do not meet the requirements or the loan students themselves do not meet the loan conditions.
Therefore, whether the student loan can obtain loan funds mainly depends on whether it can pass the audit, and the auditor will not go to the user's residence to investigate. Although it will not go to the place of residence to investigate, the loan information is not allowed to be forged. Once the forged information is found, it will not only fail to pass the loan review, but also may not be able to apply for a student loan in the future.