1. During the study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. After graduation, the borrower pays all the interest generated by the national student loan on a monthly basis, starting from the first interest settlement date after graduation.
2. You can query the loan information through the "loan management-loan inquiry" function of personal online banking or the "loan-my loan" function of mobile banking. The query operation time is: 9: 00 am-65438+07: 00 pm Beijing time on weekdays.
For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
How long will it take to find out the repayment success after the student loan is paid off?
Three days later.
Most student loans will arrive within 72 hours after repayment, and users can check whether their repayment amount has arrived within 3 days after repayment. In other words, generally within 3 days after repayment, the repayment status will be displayed as successful repayment. If it is overdue, loans overdue should contact the school and the bank in time to explain the situation, not maliciously overdue.
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. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
application for insurance
Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.
You need to provide materials to apply for a national student loan.
Application for national student loan;
1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);
3. My explanation of the family's financial difficulties;
4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
How to inquire about the repayment records of student loans
Inquiring about student loan repayment records includes the following steps:
1. Search in the browser and enter the student loan information network of China Development Bank.
2. There are two types of student loans: college student loans and student loans. According to your own loan type, choose a system to enter. Take the student-origin student loan as an example, and click Enter.
3. After entering, enter relevant information according to the prompt and log in.
4. After logging in, find "My Loan" in the options bar on the left and click Enter.
5. The repayment record information will pop up on the right side of "My Loan". If all repayments have been completed, "cleared" will be displayed.
How to check after the student loan is paid off?
After the student loan is paid off, you can inquire in the following ways:
First, check the credit report. After the student loan is paid off, the information will be updated in the credit report, showing that the loan has been paid off.
The query method of credit report is:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
App version: 13.2
(1) Log in to official website Credit Information Center and click "Start Now" to make an inquiry.
(2) Bring my ID card to the outlets of the People's Bank of China, and you can inquire at the counter or self-service inquiry machine.
Second, log in to the student loan system for inquiry.
After repayment, you can generally log in to the student loan system at the beginning of the next month to inquire about repayment information.
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. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government.
On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.