The student loan process is as follows: Step 1: Students prepare their ID card, household registration book, admission notice or student ID card, and the proof of family financial difficulties issued by the relevant departments in the place where their families are located, and apply for a loan (student-origin student loan) to the Student Financial Assistance Management Center of the Education Bureau of the county, city and district where their household registration is located, or apply for a loan (national student loan) from the bank through the school, fill in the loan application form and submit the materials. Step 2: Student-origin student loan is to review the application materials submitted by students by the student aid center where the students are registered. After the examination, guide students to sign loan contracts and open personal accounts in the handling bank; At the same time, a receipt of the loan contract will be issued and handed over to the school by the students. The school will go through the relevant formalities as required, and then send the receipt back to the financial aid center where the student is registered. The local financial aid center collates the information and submits it to the provincial student financial aid management center, which submits it to the handling bank for final approval. The national student loan means that the student financial aid department of the school is responsible for the qualification examination of the student's loan application, checking the authenticity and completeness of the information provided by the students, and submitting it to the handling bank for final approval after confirming that the information is true and correct. Step 3: After the approval of the bank, the loan funds will be transferred to the borrower's personal account opened in the bank, and then transferred from the student's personal account to the school's tuition account.

How to handle the student loan for going to college soon?

China Bank's national student loan application process:

1, offline mode:

(1) Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.

(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.

(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application stamped with the official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send it to the handling bank together with the application materials in the form of electronic documents and written documents.

(4) The handling bank shall complete the audit within 10 working days according to the regulations after receiving the "Information Form for Examining Students Applying for National Student Loans" and application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The audit of the handling bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.

(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.

(6) The handling bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.

(VII) Institutions of higher learning should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs recognized by the handling bank.

(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 10 working days, complete the review of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.

2. Online mode: After May 29, 2022, the policy will resume online channel application:

(1) If online mode is adopted, it shall be approved by the bank first, and then by the university.

(2) After receiving the student's application, the handling bank shall review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.

(3) The undertaking institutions of colleges and universities should examine the authenticity of students' family financial difficulties qualifications and enrollment registration. At the same time, according to the amount of tuition and accommodation required by students, the loan amount applied for will be reviewed and adjusted. After receiving the application for student loan approved by the bank, the undertaking institution of colleges and universities should pass the Bank of China Easy Business within 20 working days. The national student loan system has been audited. Colleges and universities can complete the loan review in batches.

(4) After being approved by the handling bank and the university undertaking institution respectively, both parties organize students to sign loan contracts in mobile banking, and then enter the loan process after signing the contracts. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the personal mobile banking of China Bank signs the loan contract, the handling bank shall prepare a student list page, which shall be sealed by the university undertaking institution, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the personal mobile banking terminal of China Bank and submit it to the organizer of the university.

Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Student loan process

Student-origin credit loan is the most effective means for some students to study. Many students wasted their time when they started to apply for student loans, but they didn't know the process of student-origin credit student loans. Here, the editor arranges the process of student-origin credit student loan for those who want to apply, for the reference of those in need. Student financial aid ... want to know more about the application process of student loan, let's take a look with China Travel Service. com .

Student-origin credit loan is the most effective means for some students to study. Many students wasted their time when they started to apply for student loans, but they didn't know the process of student-origin credit student loans. Here, the editor arranges the process of student-origin credit student loan for those who want to apply, for the reference of those in need.

Application process of student-origin student loan:

1. Loan application

The borrower shall apply for a loan from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located, fill in the loan application form and provide the following materials:

(1) original and photocopy of the borrower and the borrower's household registration book; (2) The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);

(3) proof of student status. Attach the new student admission notice and its copy; College students should show their student ID card and the certificate of student-origin credit loan issued by the borrower's university.

2. Contract signing

(1) The local funding center will review the application materials.

(2) The local aid center guides the borrowing students to open personal accounts in the handling bank.

(3) Signing a loan contract for student credit loan.

(4) The local student aid center shall issue a receipt for the loan contract of the student-origin credit student loan.

3. Contract receipt

① Borrowing students bring contract receipts to school.

② The school shall go through the formalities according to the receipt requirements of the contract.

③ The student sends the receipt of the contract to the county-level financial aid center where the student is located.

(4) The local financial aid center shall prepare a summary table and submit it to the provincial student financial aid management center.

⑤ The provincial funding management center submits it to the handling bank for approval.

Step 4 lend money

① The handling bank will transfer the loan funds into the personal account of the borrowing student.

② The loan funds are transferred from the personal account to the tuition account of the borrower's school.

5. Contract change

After the signing of the loan contract, if the borrower needs to change his personal account name or account number, or the borrower can't repay according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the borrower himself may apply for changing the contract with the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.

The process of applying for a student loan from the student's hometown

Student-origin student loan is a student loan provided by China Development Bank for students with financial difficulties. You can apply as long as you get a nationally recognized college admission notice and meet the requirements of the state for poor families. If it is the first time to apply for a loan, you need to hold the application form to any unit of high school, village (neighborhood) Committee and township (street) civil affairs department for qualification review and build official seal.

Student loan means paying back when you have the ability, which is a contract of mutual trust. You can apply for admission every semester, but last semester you applied for this school year, and next semester you applied for next school year. Students' native place only applies for next semester, not next academic year.