That is, when applying for a student loan, it will be allocated to the loan students by the National Development Bank. This account number is mainly used for receiving loan funds and repayment. After the student loan funds are distributed to the account, the school will uniformly deduct tuition and fees, and the remaining funds can be used as the living expenses of students. As for after graduation, this Alipay account is used to repay the principal and interest of the student loan, and at the same time, the repayment record and the amount to be repaid can be inquired through the account. Loan amount, term and interest rate (I) The upper limit of the national student loan is raised to 12000 yuan for undergraduates, preparatory students and 16000 yuan for postgraduates, ranging from 1000 to 12000( 16000). College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time. (II) Term of the loan The term of the loan is the academic system plus 65,438+05 years, with a maximum of 22 years. The grace period is 5 years. Note: This policy will be implemented in 2020. If a new contract is signed in 2020, the grace period for repaying the principal is 5 years; Stock contracts before 2020, student loan contracts that have not started to repay the principal (that is, loans that students have not graduated or have graduated but have not started to repay the principal) can be applied by borrowing students, and the grace period can be extended to 5 years within the loan period agreed in the original contract. (III) Loan interest rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date. Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). (IV) Discount Policy According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on the student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. 1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest. 2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year. 3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.
2. What's urgent about the Alipay account of China Development Bank's student loan?
That account number is different for everyone. It's on the contract given to you by the Education Bureau. Mine is an email account.
Hope to adopt thank you!
3. What is the designated account for the grant?
The repayment account designated by the student-origin student loan refers to the bank account that the loan student handles when lending to the international development bank. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.
The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.
4. What is the Alipay account number of the student loan?
Alipay account number of student loan: there is a mailbox number. CDB @ Under the front of the company's student loan contract (frame text), cn (Alipay account number is mobile phone number or mailbox credit student loan, CDB Bao account, when signing the loan contract, print the account name of the contract date, log in to Alipay website for Alipay account authentication, and the initial password of Alipay account generated after authentication is printed on the loan acceptance certificate, please modify it in time and keep it in mind. When applying for a loan for the first time to generate an Alipay account, the system randomly generates an 8-digit alphanumeric combination as the initial password for Sina mailbox and Alipay account login payment, and prints it on the loan acceptance voucher.