After you settle the national student loan of China Bank, you can apply for the settlement certificate of the national student loan in either of the following two ways. First, I use my ID card to self-print the national student loan settlement voucher through the smart counter at any outlet of Bank of China; Two, I hold my ID card to the agency of the national student loan to handle the settlement certificate. After the national student loan is settled, the settlement certificate can be issued at the smart counter at that time, without time limit.

The above contents are for your reference. Please refer to the actual business regulations.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

What information do you need to repay the student loan?

The preparation materials include: my ID card and its copy, a copy of my parents' ID card, and the household registration certificate handled by the police station where the original household registration is located.

At present, there are two repayment methods for student loans:

First, Alipay repays.

Repay the student loan of China Development Bank in advance

Every month before 10.

Login-China Development Bank Student Loan Information Network [1]

Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.

Find advance payment application

Apply for prepayment as required. The application date for prepayment is from June 1 day to June1day (except June 1 1 day).

Requirements:

1. If prepayment is required, please click the "Add" button to enter the prepayment adding page.

2. In the new page, select the corresponding contract number, and the information to be filled in will be displayed. After confirming the information, click "Submit" to complete the new operation.

3. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.

4. After the accounting processing cycle is 10 every month, the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.

5. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.

For specific repayment records, please check your loan background repayment records.

Second, the bank repays.

1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process;

2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

3. Go to the counter to handle the loan repayment procedures;

4. Send the repayment voucher to the relevant person in charge.

note:

1. Students applying for loans must present a written application form with the seal and certificate of the civil affairs bureau at or above the county level. The application requires a detailed description of the family situation, indicating personal repayment consciousness, and indicating the detailed address, parents' work unit, contact telephone number and postal code.

2. The loan applied by freshmen can only be submitted to the school finance office in the following year. Therefore, the tuition fee for the first year needs to be paid by yourself, and then it will be settled in the school finance office every year. The agricultural card given by the bank can be used to open an account with a personal ID card, and students can deposit and withdraw money at ordinary times, and students can repay through the agricultural card after graduation.

3. The maximum loan amount that each student can apply for each year is no more than 6,000 yuan, and the loan period is no more than 8 years. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation.

How to apply for repayment of student loans

Repayment method of student loan:

1, computer-side Alipay repayment.

(1) Log in to Alipay on the computer, click "Application Center", and then click "Student Loan Repayment".

(2) Enter the Alipay account number, ID number and verification code of the lender, and click "Query Loan Repayment Information".

(3) Confirm the repayment amount and click "Next".

(4) Enter the payment password for repayment.

2, mobile phone Alipay repayment.

(1) Open Alipay and search for student loans from China Development Bank.

(2) After entering, click "Online Repayment".

(3) Enter the Alipay account number and ID number of the lender to inquire about repayment information.

(4) After confirming the repayment information, click Repayment.

3. Repay at the bank counter.

(1) Bring relevant loan information to the bank.

(2) Get the repayment application form, fill it out and submit it to the counter to complete the repayment.

Extended data:

How much is the interest on the student loan?

The student loan is interest-free while the applicant is in school, and the interest is fully subsidized by the state finance. From September 1 of the year of graduation, the applicant will bear the interest on the student loan, but he can also choose to pay off all the debts in one lump sum before graduation.

The student loan interest is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period, and does not rise.

1, within 6 months of loan (including 6 months): the interest rate is 4.35%;

2. Loan for 6 months to 1 year (inclusive): the interest rate is 4.35%;

3. Loan 1 to 3 years (including 3 years): the interest rate is 4.75%;

4. Loan for 3 to 5 years (including 5 years): the interest rate is 4.75%;

Loans for more than 5.5 years: the interest rate is 4.90%.

How to repay student loans

There are two ways to repay student loans:

Alipay repayment and bank repayment. All loans are interest-free while students are in school. After graduation, the bank will charge interest at the bank rate. So the sooner you repay the loan, you can pay less interest.

Bank repayment:

Before you go to the bank, you must bring all the materials for handling student loans, as well as my ID card, bank card and so on. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process; After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

Then go to the counter to handle the loan repayment procedures; Finally, send the repayment voucher to the relevant person in charge.

Extended data:

Application method of student loan:

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. The following information is required:

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain 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.

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.