Then, the student loan funds will generally be distributed until the end of June 65438+ 10 or mid-June 165438+ 10. At that time, it will enter the exclusive Alipay account of China Development Bank's student loan. At this time, the funds are frozen, and the system will immediately transfer them to the designated account of the school, from which the school will deduct the tuition, fees and accommodation fees that the students should pay in the current year.
In short, the school will not deduct the money until the end of June, 65438+ 10 or mid-June 165438+ 10, but the information will be registered before, and students do not need to pay their own tuition fees. As for the remaining funds after tuition fees are deducted from student loans, they will remain in the balance of Alipay account. At this time, the funds will naturally thaw, and students can withdraw them into the bound bank card for living expenses.
The student loan for college students generally refers to the national student loan, which is a bank loan led by the government, subsidized by the government, jointly compensated by finance and universities, and operated by banks, education administrative departments and universities to help poor students in colleges and universities.
Borrowing students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time, repay in installments after graduation, and bear relevant legal responsibilities.
Commercial credit loan
Conditions for applying for student-origin credit student loan
1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.
2. Freshmen or students who have been officially admitted to full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, and the list of schools is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice.
3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district). 4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:
(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).
(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).
(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).
(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).
(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).
(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).
(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).
(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).