1. Which one is more convenient, China Development Bank student loan or Rural Cooperative Credit Union student loan? I feel like there is no China Development Bank at home!

China Development Bank is convenient

China Development Bank is currently the main bank for domestic student loans. Its student loans have the advantages of simple procedures and long repayment time. Previously, China Development Bank's student loans were all through commercial banks. Starting from the second half of 2010, Alipay provided a new channel for China Development Bank's student loan projects, allowing students to obtain loans, repayments and other more convenient services. Alipay's online payment platform is not subject to geographical restrictions and has cooperated with more than 50 banks across the country to provide loans for students in different places and across countries

1. The process of national student loans:

1 .Students receive the "National Student Loan Application Approval" and prepare relevant supporting materials and submit them to the school's National Student Loan Manager

2. The school agency conducts a preliminary review of the loan, and the school agency issues an approval at the National Student Loan Management Center Within the year, organize students to apply for loans and accept student loan applications.

3. The handling bank will conduct loan approval. After receiving the "Information Form" and application materials submitted by the school, the handling bank will complete the review within 20 working days.

4. Sign a loan contract with the student. After the loan application is approved, the school will organize the student to fill in and sign the loan contract and IOU within working days of the handling bank, and submit it to the handling bank.

5. For the issuance of the loan, the handling bank will transfer the first-year tuition and accommodation to the designated school opened by the handling bank within 20 working days after signing the loan contract and IOU with the borrowing student. account.

6. Repayment.

2. Agricultural and agricultural procedures:

(1) The following conditions apply for the place of origin:

1. The place of residence before admission is within the jurisdiction of our province;

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2. Be honest and trustworthy, abide by the law, and have no bad credit

3. Full-time general undergraduate colleges and universities (including full-time general undergraduate colleges and universities, higher vocational schools and colleges and universities in our province) Higher vocational students, master's students, second bachelor's degree) students, as well as full-time general undergraduate students enrolled in adult colleges and universities are announced as follows by the Provincial Department of Education

4. The family has financial difficulties and the income they can earn is not enough. Pay the basic expenses required to complete your studies while in school.

Loan application materials:

(2) New student application materials:

1. Student loans from the student’s place of origin

2. Explanation and proof of family difficulties of the student loan borrower in the student’s place of origin;

3. My ID card, a copy of the admission notice for new students (the original is for review criteria, the name of the bank where the account is opened, the account name and the account number.

To sum up, the China Development Bank is more convenient than the rural cooperative credit cooperatives in student loans.

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2. When will the loan from the China Development Bank be released

Taoqianbao Tips: The loan is mainly used to pay tuition fees, book fees, and accommodation fees when registering for school. If there is insufficient money, use bank card or cash. Pay separately.

If there is any leftover, it will be credited to the Alipay account automatically generated when you sign the loan contract around November 15th.

Then transfer it to your bank card and you can spend it! However, the efficiency of schools varies from place to place, so we can’t say for sure

3. When will the China Development Bank student loan start

National student loan approval process:

1. National student loan application and approval (September-October)

1. Students submit written applications for national student loans and submit relevant materials for applying for national student loans (early September);

2. The secondary college will review the written loan application materials, determine the loan qualifications and make it public (mid-September);

3. The secondary college will organize students to fill in the "Approval Form" and submit it online Apply, then review it online and submit the summary to the Student Loan Center (late September);

4. The Student Loan Center will review the online application, summarize the statistics and report to the Student Aid Center (early October);

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5. Loan students receive loan application integrity education (late October);

2. Sign the contract (mid-November)

1. Student loan center organization 2 Level colleges provide training on filling out loan contracts and other materials;

2. The Student Loan Office organizes students to fill in loan contracts and other materials;

3. Loan students fill in loan materials, sign loan contracts and Activation of Alipay account and real-name authentication;

4. The student loan center summarizes the contract signing status of students and reports it to the bank.

3. Disbursement of national student loans (late November)

1. The National Development Bank will disburse funds to the provincial student loan center account according to the signing of the contract;

2. The Provincial Student Loan Center will disburse funds to the student loan Alipay account, and the student account will be deducted from the school's charging account;

3. If there is still a balance after the tuition fees are withheld from the national student loan, the balance will be paid by the school finance department. Return the tuition fee to the student's account.

4. The Student Loan Center organizes and establishes student integrity files.