The student loan of China Development Bank will deduct the corresponding tuition fee first, and the extra money will be transferred to the Alipay account provided by the lender for registration.
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.
Students from poor families can apply for national student loans to solve tuition and accommodation fees. Undergraduate students are not allowed to exceed 8000 yuan per year. National student loans include student-origin credit student loans and campus national student loans.
Extended data:
National student loan application matters:
I. Application conditions
Students from poor families can apply for a national student loan from the handling bank through the Student Aid Department of the training unit. Full-time college students (including vocational college students), second bachelor's degree students, preparatory students and graduate students who meet the following conditions may apply for national student loans on campus:
1, family financial difficulties;
2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;
3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4, honest and trustworthy, law-abiding, no illegal behavior;
5. Study hard and finish your studies normally.
Second, the application procedure
Students need to apply for loans from banks through training institutions after the start of the new school year (the specific time is stipulated by each school), and banks do not directly accept students' personal loan applications. In principle, the handling bank accepts an application for a national student loan once a year.
Students who apply for the national student loan on campus are required to provide the following materials:
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.
Baidu encyclopedia-student loan
Where does the student loan come from?
The money from the student-origin student loan is paid to the student Alipay or the school bank. The money of student loans is frozen before the school deducts tuition and living expenses, so students can't withdraw and use it freely for the time being. After the school deducts tuition and fees, the remaining part is distributed to students by the school student financial assistance management center, and students themselves can use it freely. Matters needing attention in applying for student-origin loan: 1, * * * The borrower should be the borrower's parents. If both parents go out to work, parents can entrust their close relatives as borrowers, but they need a power of attorney. 2. The borrower who fills in the application form and the borrower who signs the contract must be the same person. 3. The borrower and the borrower shall sign the loan contract at the same time. If the college student, the borrower and the borrower who renew the contract cannot be present at the same time for some reason, one of them may entrust the other party to handle it on his behalf, but a power of attorney shall be submitted. 4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application. 5. Effective conditions of the loan contract. The signing of the loan contract can only take effect after the county rescue center receives the receipt of the loan contract of the student-origin credit student loan sent back by the university where the student is located. If the receipt is not received within one month after the contract is signed, the contract will automatically become invalid. The receipt must accurately fill in the name, line number and account number of the school bank. Go to the specific office and arrange full-time and part-time personnel to be responsible.
How to get the extra money from the student loan?
After the student loan funds pay the tuition and accommodation fees of the students in the current year, the remaining funds are directly distributed to the exclusive Alipay account generated when the students apply for loans. For this fund, students can use it for themselves, for example, as living expenses. Just bind the bank card under your personal name to Alipay, and then you can withdraw the money to the bank card for use.
The operation steps are as follows:
Step 1: Log in to Alipay APP (login name is * * * * * *). Cdb@sina.cn's mailbox format);
Step 2: Click "My" in the menu bar;
Step 3: Click to enter "Balance";
Step 4: Click the "Withdraw Cash" option at the lower left of "Total Amount";
Step 5: Select the withdrawal bank card, enter the withdrawal amount, and click the "Confirm Withdrawal" button, which is generally expected to arrive within two hours.
Of course, if the funds issued by the student loan are just enough to pay tuition and accommodation fees, there will be no remaining funds to use. Without the remaining funds, students can't withdraw the student loan funds specially used to pay tuition fees for their own consumption.