Actually, it's almost the same

First of all, can you get a student loan from the place of origin? It was impossible in many places before. Student-origin student loan seems to be a loan in the name of your parents, so the repayment person is your parents (refer to relevant information for details).

Secondly, the national student loan must be applied at the university where it is located, and not everyone can pass it. When you apply, you are the lender, so the repayment person is also you (of course, you will ask your parents to urge you to repay). The current policy seems to be that you don't have to pay interest during school, but you have to pay interest from the day you leave school. I have applied for a national student loan before, so I am familiar with this aspect. Please consult the relevant departments of your school for details.

What are the benefits of student loans?

Characteristics of student-origin student loans Compared with the national student loans handled by universities, student-origin student loans have the following characteristics:

First, it is easy to define the student-origin student lenders, and rural credit cooperatives can conduct in-depth family surveys on students. It can prevent "false poverty", grant student loans to students whose families are really poor, and avoid the difficulty in identifying poor students.

Second, the loan is guaranteed by the parents of the students, and the risk of financial institutions is small. For banks, borrowers have changed from students with greater mobility to relatively stable parents of students, and the guarantee method has changed from simple student credit guarantee to the combination of parents' credit (or property) and students' credit, which has strengthened the responsibilities of parents of students. It is very convenient for the handling bank to contact the parents or students of the students, which reduces the links of information feedback and ensures the accuracy and effectiveness of the information, thus reducing the risk of this student loan and greatly improving the enthusiasm of the handling bank.

Third, because the student-origin student loan is handled in the student's hometown, it is easy to recover after the expiration and the repayment rate is high. Fourth, poor students pay off all tuition fees on time, with little ideological burden and psychological pressure. For students, borrowing from the bank where their home is located can pay off their tuition on time, without psychological pressure and "inferiority", and they can get along with their classmates with a normal attitude, which is conducive to concentrate on their studies; For schools, it can help students complete their studies smoothly, facilitate school management, maintain school stability and promote school development.

Is it appropriate to apply for a student loan? What are the benefits?

In fact, it is decided according to the actual situation of each family. We can't generalize.

Loans can relieve your family pressure during college. During this time, your family can slowly save your tuition. But you must pay it off in one lump sum when you graduate. If you breach the contract, it will affect your personal credit record, which is not good for you to buy a house in the future. Now the use of social credit is also rising. If there is a loan default, it will be troublesome to buy a house in the future.

Why did you give me an Alipay when applying for a student loan? What is this for?

1, Alipay is a platform in the middle. Pay the money you borrowed to Alipay, and let Alipay automatically transfer the money to your school account, which is the school account, not your card issued by the school. So you can't see the money you borrowed, and directly offset the tuition you owe.

2. Similarly, when you repay the money, you also put the money into Alipay, and Alipay will automatically return the money to the bank after bookkeeping.

What is the difference between the national student loan and the student source credit student loan?

. Students who need loans due to financial difficulties have two choices (only one can be selected): 1, student-origin student loan (i.e. student-origin credit student loan) organized and implemented by China Development Bank; 2. National student loans provided by China Agricultural Bank and other banks.

Interest and repayment methods are generally the same (interest is calculated after graduation, and the interest is subject to the bank interest rate at that time); The borrower of the former is the student himself, and the lender of the latter is the guardian.

What are the benefits of student loans?

Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. You can get a loan of no more than 6000 yuan every year. The interest during the school period is fully subsidized by the finance. Maximum repayment period 14 years.

Can I apply for a grant from a student-origin student loan?

There is no relationship between the two. Applying for a state grant depends entirely on your comprehensive grades at school. Student-origin student loans can only be repaid at the beginning of graduation. So it doesn't matter.

What kind of loan is the student source credit student loan?

The nature of the student loan is ()

What are the benefits of college student loans?

The college student loan is aimed at the poor students in the school. This is an interest-free loan. You can apply after graduating from your senior year and pay back immediately. In short, a four-year college loan has no interest.

What is the role of Sina mailbox for student-origin student loans?

This Sina mailbox is your Alipay number.

Use this Alipay for repayment in the future.

(Log in to Alipay with this Sina mailbox)

I see

You can't ignore it. You'll need it when you pay back the money.