If you want to apply for a national student loan, students can apply for a loan from the bank through the school after the start of school, fill in the Application Form for National Student Loan, and provide information and proof according to relevant requirements.
The national student loan only needs to be applied once and can be distributed in different years. Students can apply for a loan for tuition and accommodation for one academic year, and the bank will grant it in one lump sum.
The national student loan is a bank loan led by the government, with financial subsidies and certain risk compensation from the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students with financial difficulties in colleges 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.
There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to provide students with interest-free loans; 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.
Generally speaking, students from poor families need to apply for national student loans from local banks through schools. In principle, students apply once, and the bank will issue national student loans in stages during their school days.
The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.
Borrowing students should confirm the repayment plan of student loans with the bank when going through graduation procedures. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank shall not charge any other fees except the interest payable. The specific operation method is as follows:
Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online application for prepayment in 2006-2008 school year is school code+student ID number, and the password is 8 birthday; The login name and password of online loan repayment in 2009 and beyond are the login names and passwords when students apply for loans.
Click "prepayment application" on the left to enter the prepayment application summary information page.
Click the "Add" button at the bottom left of the prepayment application information page to open a new prepayment page.
Select a loan contract record and click OK to save the prepayment application information.
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