The student loan is under examination and approval, which means that the loan application submitted by the lender has not been approved by the bank for the time being. It may be that there are too many people applying for loans, and the bank can't pass the examination and approval for the time being, but it is not difficult to apply for loans as long as there is no problem with the information of the lender.

After the loan is issued, the lender needs to remember the repayment date. Although there is no need to repay the loan during school, it is necessary to repay the loan on time after graduation. Once the repayment date is overdue, it will affect personal credit information.

The examination and approval time of student loans is closely related to the general loan process. The specific approval time depends on whether the loan applied by the bank is approved or not, and the approval time depends on the time agreed in the contract. Under normal circumstances, it takes 20 working days for student loans to be released, but some need more than 3 working days. The specific loan approval time will vary according to the telephone number and official website. The specific situation is subject to the local student loan in official website.

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Student loans always show what is going on in the examination and approval.

When you apply for a student loan, don't worry too much if it keeps showing that it is being approved. It may be because there are too many applicants and the staff haven't had time to deal with them. At present, most provinces and cities have successively handled student-origin student loans and student-origin student loans. Every year, many people apply for the source of students, and they have to wait for approval to complete the application or the process of student loans.

As long as you go through normal procedures and have complete information, most of them will be approved by you, but because there are many applicants and few responsible staff, you haven't had time to approve them yet. For student loans, it is not other ordinary business. As long as the application is submitted, it will be approved soon, and it will take time to approve one by one. Generally, as long as the relevant materials are submitted, they will be approved. The local education bureau is responsible for handling the student source area, and the school starts soon. Due to the heavy workload, the slow approval speed is understandable. I hope you will forgive me and don't rush into it.

Loan amount, term and interest rate:

(1) Loan amount

The upper limit of the national student loan is raised to 12000 yuan for undergraduates and preparatory students, and 16000 yuan for postgraduates, which is an integer between 1000 and 12000( 16000). In principle, it is used for students' tuition and accommodation during school. 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.

(2) loan term

The loan term is academic system plus 15 years, and the longest is no more than 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.

(3) Loan interest rate

The benchmark interest rate of RMB loans announced by the People's Bank of China 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. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is shared by the students and their parents (or other legal guardians).

Discount policy

According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on 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.

What does it mean to show the approval of student loan?

The student loan shows that the loan information submitted by the lender has not been audited by the bank. It may be that there are many people applying for loans at present, and it takes time for banks to process so many loan applications, so lenders should wait patiently.

Under normal circumstances, as long as there is no problem with the loan information submitted by the lender, the student loan application can be passed. After the student loan is approved, the loan will be credited to the student's exclusive Alipay account, and the school will automatically deduct the tuition fee.

This is the end of the introduction of student loan approval and student loan approval. Did you find the information you needed?