After applying for a student loan from a student's place of origin, there is also a time limit, because these matters that students apply for need to be approved, which is a process of student loan, so it is normal for everyone to find that their relevant information has been approved when applying for a student loan. After all, there are so many college students and limited national staff every year. Too many applicants may lead to slow approval time, so when you make an inquiry, you may appear to be under approval.

2. The relevant data is not perfect.

If the deadline for approval is near, but you always find that your form is already under approval, then it may be that you have filled in the relevant information of your approval form incorrectly. For example, when a student fills in an application, the information is incomplete or the relevant information is wrong, then the relevant preliminary examination institution may still be verifying it, so at this time you will find that your application has been shown in the examination and approval. You don't have to be so nervous. If the approval result comes down, you can also modify your application form again and resubmit it.

To sum up, the long approval time of student loans may be caused by the above two problems. As long as the applicant handles the student source loan according to the normal procedure and the information is perfect, it will generally be approved, and the applicant can wait patiently.

First, how is the interest rate of the national student loan stipulated?

The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.

Second, how to pay the interest on the national student loan?

The interest of the national student loan during the study period of the borrowing students is all subsidized by the financial department and paid directly to the handling bank by the relevant departments. The interest of the borrower after graduation shall be paid in full by himself. In case of repayment default, the penalty interest arising therefrom shall be borne by me.

Borrowing students who drop out of school due to illness and other reasons during the school period shall be provided with written proof by the agency, and the handling bank shall apply, and the loan interest during the suspension period shall be fully subsidized by the finance. Borrowing students who continue to study for their degrees during the repayment period after graduation should apply to the original loan county-level agency or the handling university in time to continue the discount. After the audit, it will be reported to the handling bank for confirmation, and the loan interest incurred during the period of continuing to study for a degree will continue to be fully discounted by the original discount finance department.

Fourth, how do students apply for national student loans?

Student-origin credit student loan new loan students apply to the local county-level student financial assistance institutions after receiving the admission notice, and apply to the county-level student financial assistance management institutions where their family registration is located during the summer vacation. Students who borrow national student loans on campus must apply to the bank through the training unit after the start of the new school year (the specific time is stipulated by each school), and the bank does not directly accept individual student loan applications. In principle, the handling bank accepts an application for a national student loan once a year.

Legal basis:

Provisions on the Administration of National Student Loans (for Trial Implementation)

Article 2 Application and issuance of loans

(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.

(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.

(thirteen) the handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.

(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.

(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students. Loans for poor students are proposed by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.

(16) The handling bank examines and approves the national student loan, and feeds back the list of students who have examined and approved the loan and the amount of the loan to the corresponding student loan management center and school, and the school reports it to the superior student loan management center for the record, and cooperates with the handling bank to strengthen loan management.