But when applying for a loan, the lender still needs to consider the future repayment situation. Although the interest rate of student loan is low, it is still necessary to repay the loan on time at the agreed time. Once overdue, it will damage the lender's credit information, which has to be noted.
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.
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; 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 their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.
The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. 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 will 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 loan repayment 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 name and password 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 summary information page to open the prepayment addition page;
Select a loan contract record and click OK to save the prepayment application information.
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