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-based Application Form for National Student Loan and 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. The undertaking institution of a university shall complete the examination and approval through the Shang Yi _ National Student Loan System of China Bank within 20 working days after receiving the application for student loan approved by the bank. 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.

Online application process of national student loan

National student loan application process: 1. Apply to the school for a national student loan. 2. Receive the application form for the national student loan. 3. Fill in the application form and submit the application letter together with the required information to the school. 4. The school conducts qualification examination for the applicant. 5. After approval, submit the information to the handling bank. 6. After the approval of the handling bank, the bank signs a loan contract with the students. 7. Apply for a bank loan and complete the application.

Extended information:

First of all, it depends on whether there are conditions:

1. College students (including higher vocational students), second bachelor's degree students and graduate students with financial difficulties;

2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;

3. Have full capacity for civil conduct (minors applying for national student loans must have the written consent of their legal guardians);

Second, the following materials need to be provided:

1, national student loan application;

2. Copy of my student ID card and ID card

3. I explain the family's financial difficulties;

4. Other supporting documents and materials required by the bank or school.

Three. Bank re-approval:

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students, and check the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.

Four. Sign the loan contract of national student loan:

1. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

2. After signing the contract with the handling bank, the handling bank will complete the signing work within 15 working days after receiving the loan contract and receipt submitted by the school, and deliver the signed loan contract to the school institution within 5 working days.

Verb (abbreviation of verb) Loan granting:

The bank will handle a debit card or current passbook for each student, and the school is responsible for supervising the use of student loans. The handling bank can inquire about the issuance and use of loans from the school.

Extended information:

The repayment period of the national student loan:

Students should start to repay the loan principal within 1-2 years after graduation and pay off the loan principal and interest within 6 years. The state encourages loan students with good income after graduation to pay off the loan principal and interest in advance. The loan contract signed before August 2004 (including graduate repayment agreement) generally stipulates that the loan student will pay off the loan principal and interest within four years after graduation.

How to apply for a student loan

1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform. 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. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. 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. What materials do I need to provide to apply for a national student loan? Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.

How to apply for a student loan online?

Fill in your bank account information.

Student online loan application:

New loan student login system (for new students and college students who have not applied for loans before)

(1) Click on the website, and select "Student-origin Student Loan" in Please Select Your Loan Type.

(2) Click "Register".

(3) In the terms of the registered user agreement, click "Agree".

(4) Enter the name (no space in the middle), the real and valid ID number of 18, and select the funding center where the loan is handled (if "city" is not in the list, you can choose the administrative division directly under the provincial government at the county level; If the district is not in the list, you can choose "Municipal District". For example, students who want to apply for student-origin student loans in Jiang 'an District of Wuhan should choose Hubei Province, Wuhan City, Jiang 'an District and Wuhan Jiang 'an District Student Financial Assistance Management Center in turn.

(5) Enter the "graduation middle school".

(6) Enter the information of the school, click "Select University" after "University Name", enter the name of the school, click "Query", click the "Select" button in front of the university, and click "OK". Enter "Department Name", "Specialty Name" and "Specialty Category" in turn (please refer to the attachment "Specialty Category" to fill in), and enter the student number, enrollment year, academic system and education background. (Note: 1, the name of the university, the name of the department and the name of the major should be filled in strictly according to the contents of the notice; 2. The student number of newly admitted students can be left blank; The year of admission is the time to enter the university, that is, the time to enter the freshman stage).

(7) Click Next to set the login name, password and security information. (Login name and password are used to log in to the system. Please keep in mind after registration. It is recommended to set the password to be easy to remember. After setting, write it down in a notebook or mobile phone address book. Security information is used to retrieve passwords and protect personal information.

(8) Enter "Personal Information", "Communication Information", "Family Information" and "Contact Information" in turn, and fill in the above information as completely as possible so as not to affect the loan approval. "Contact information" shall be filled in according to the "Contact Information Form of Student Credit Student Loan". After filling in all the information, click "Submit". The student is responsible for refusing to approve the student loan due to incomplete information (note: the method of filling in the contact number is area code plus number, such as 02788888888, and the following methods are the same).

(9) The page will pop up a prompt of "successful registration". Click "Back" and enter your ID number and password (corresponding to the newly registered user name) to log in to the system. If the ID number cannot be logged in, please click "Select User Name to Log in".

(10) After logging into the system, you can modify the above information such as "Personal Information" and "School Information". Click Submit after modification.

How to apply for an online student loan?

How to apply for an online student loan?

How to apply for a student loan online? Not everyone has a good family condition. Being admitted to college is the first step for many students to change their lives, especially those from poor families, who need to learn knowledge to change their destiny. Let's take a look at how to apply for a student loan and related information online.

How to apply for a student loan online 1

Enter the online student system of CDB student source credit student loan, enter the login name, password and verification code or select "ID card login", add new information, and submit the application after confirmation.

How to apply for an online student loan?

1. Enter the online student system of CDB student source credit student loan;

2. After entering the website, enter the login name, password and verification code or select "ID Card Login" to enter, click "Loan Application" in the selection bar on the left and click "Add";

3. Enter the loan application information, data review, borrower information and account information, and finally click Submit.

The above is the relevant content of the online student loan steps.

Application conditions for student loans

(1) Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education), or undergraduates, graduate students (including master's and doctoral students) and second bachelor's degree students who are studying in colleges and universities.

(2) The family is in financial difficulties, and the income that the family can get is not enough to support the basic expenses that students need to complete their studies during their school years.

(3) In that year, students' loans from the Development Bank or national student loans from other financial institutions were not obtained.

(4) * * * The borrower shall meet the following conditions:

1, in principle, it should be the father or mother of the borrowing student; * * * When the borrower is the parent of the student, there is no age limit;

2. If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers;

3. If the borrower is an orphan, the borrower is his guardian or a natural person who voluntarily acts as his borrower and has full capacity for civil conduct;

4.* * * The borrower's household registration and the student's household registration before enrollment are in the county (city, district) in principle; If the borrower and his guardian are not in the same county (city, district), apply for a loan to the county-level financial aid management center where the student's household registration is located;

5.* * * If the borrower is not the borrower's parents or guardians, he should be at least 18 years old and have full capacity for civil conduct;

6. The borrower who has not settled the student credit loan (or college student loan) of Development Bank cannot be used as the * * * borrower of other borrowers in principle;

7. If the borrower is under the age of 16 when applying for the student loan, his * * * and the borrower must be his parents or guardians.

How to apply for student loans online 2

I. Student application

(A) the first application for student loans

1, apply for a bank card

Students need to bring their ID cards to the local rural commercial bank to apply for bank cards for the first time.

Step 2 Apply online

Log in to "E Baifu", enter the "Loan Zone", click "Baifu Student Loan", fill in the relevant information and submit the application.

(2) Renewing the loan

Log in to "E Baifu", enter the "Loan Zone", click "Baifu Student Loan", fill in the relevant information and submit the application.

Second, the local funding center audit

(a) the first application requires students and borrowers to the local county (city) Education Bureau funding center for on-site confirmation.

Materials required:

1. Original ID cards of students and borrowers;

2. Original account books;

3. Admission notice;

4. The application form for student source credit student loan and the application form for identifying students with financial difficulties from families are provided by the window of the Education and Sports Bureau, and the students themselves fill in their signatures and press their fingerprints.

(2) Students who renew their loans only need to log in to "E Baifu" to apply online, and the local county (city) funding center will conduct online audit.

Third, sign a contract.

After the bank approves the loan, the system will send a short message to remind the borrower and the borrower to log in to "EBF" respectively and sign a loan contract for the student-origin credit student loan.

Fourth, confirm the receipt.

Students studying in colleges and universities in the province shall enter the electronic receipt by the university funding center, which will take effect after being confirmed by the funding center of the local county (city) Education Bureau.

Students studying in universities outside the province can log in to "E Baifu" to download the electronic receipt, which will be printed and stamped by the university, and then take photos in "E Baifu" and upload the receipt.

Verb (abbreviation for verb) bank loan

After reviewing the student's receipt, the student aid center sends a loan instruction to the bank, and the loan will be directly issued to the student's personal rural commercial bank card.

skill

Borrowing students should log in to "EBF" for graduation confirmation in the year of graduation, which is convenient for your business consultation and debt service. Borrowing students who have dropped out of higher education due to illness should go to the local funding center to change their schooling information before August 3 1 of the graduation year, so that they can continue to enjoy financial discount after entering higher education.

Introduction of student-origin credit student loan

Student-origin credit student loan is a student loan issued by financial institutions to eligible freshmen and students with financial difficulties. It is handled in the county (city, district) where the students are registered before entering school.

Note: Student-origin credit student loan is handled in the county (city, district) where the student's household registration is located before enrollment.

Applicable object

Jiangxi students who participated in the unified entrance examination for colleges and universities nationwide and were admitted. The student loan business of 50 counties (autonomous regions and municipalities) in six cities including Jiujiang, Jingdezhen, Pingxiang, yingtan, Shangrao and Ji 'an in Jiangxi Province is accepted by local rural commercial banks; China Development Bank accepts student loans from other cities.

loan limit

Full-time undergraduate students (including second bachelor's degree, higher vocational students and preparatory students, the same below) do not exceed 8,000 yuan per person per year, and full-time graduate students do not exceed12,000 yuan per person per year (the specific amount is subject to the subsidy policy issued by the state in that year).

deadline

Add 15 years according to the remaining academic system, with a maximum of 22 years.

Loan discount

√ The interest of borrowing students during their study period is fully subsidized by the finance.

√ Borrowing students who continue to pursue their degrees during the repayment period after graduation should apply to the county-level financial aid management center for changing their schooling information in time. After the audit of the county-level financial aid management center, the loan interest incurred during the period of continuing to study for a degree will continue to be fully discounted by the original discount finance department.

Product characteristics

√ Annual payment;

√ Online processing;

√ Free of mortgage and guarantee;

√ Financial discount.

Letter of credit clause

(1) Borrowing students should meet the following conditions at the same time:

√ Have the nationality of China people.

√ Honest and trustworthy, law-abiding.

√ Students' pre-school household registration and borrowers' household registration are in the county (city, district).

√ Full-time freshmen (including preparatory students) who have been officially admitted by full-time ordinary undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or undergraduate, graduate and second bachelor's degree students who are studying in colleges and universities.

√ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

(2) The borrower shall meet the following conditions:

√ In principle, it should be the parents of borrowing students; If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers; If the borrower is an orphan, * * * is another legal guardian together with the borrower, or a natural person who voluntarily assumes the repayment responsibility together with the borrower, has full civil capacity and has a local household registration.

√ If * * * is not the borrower's parents, its age should be over 25 and under 60.

How to apply for student loans online 3

Conditions for applying for a national student loan

1, with full capacity for civil conduct.

2, honest and trustworthy, law-abiding, no illegal behavior.

3, good academic performance, can complete their studies normally.

4. The income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.

5. Strictly abide by the regulations of the state, banks and schools on national student loans, promise to use the loans correctly and fulfill the repayment obligations according to the regulations.

6. Other conditions stipulated by the lending bank.

What materials do I need to apply for a national student loan?

1, national student loan application.

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans).

I explained the financial difficulties of my family.

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Process of applying for national student loan

1. Open the student loan of China Development Bank in official website.

2. Click on "Student Online Service System".

3. If the first loan needs to be registered, click "Register" and fill in the relevant information.

4. You need the guarantor to check your identity at the local county aid center, get the application form, and bring your ID card and application form to the county aid center to submit.

Repaying student loans

At present, there are two repayment methods for student loans, Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest.

Alipay repayment

1, the operation of prepayment of student loans of China Development Bank needs to be before 10 every month.

2. Log on to the student loan information network of China Development Bank.

3. Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.

4. Find the prepayment write-off.

5. Apply for prepayment as required. The application date for prepayment is from June 1 day to June1day (except June 1 1 day).

6. Requirements:

(1) If prepayment is required, please click the "Add" button to enter the prepayment adding page.

(2) In the new page, select the corresponding contract number, and the required information will be displayed in the system. Click "Submit" after confirming the information to complete the new operation.

(3) If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.

(4) The accounting processing cycle is after 10 every month, and the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.

(5) After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.

7. For specific repayment records, please check your loan background repayment records.

Bank repayment

1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process;

2. After entering the bank, queue up to get the number, then go to the staff to get the application form and fill in all the contents in detail;

3. Go to the counter to handle the loan repayment procedures;

4. Send the repayment voucher to the relevant person in charge.

Repayment instructions

1. Students should pay off in one lump sum or in installments before graduation;

2. After graduation, students can look at their liquidity to repay their loans;

3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly;

In the place where graduates work, according to their performance, they decide to reduce the loan repayment;

5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.

Problems needing attention in student loan

1. Students applying for loans must present a written application form with the seal and certificate of the civil affairs bureau at or above the county level. The application requires a detailed description of the family situation, indicating personal repayment consciousness, and indicating the detailed address, parents' work unit, contact telephone number and postal code.

2. The loan applied by freshmen can only be submitted to the school finance office in the following year. Therefore, the tuition fee for the first year needs to be paid by yourself, and then it will be settled in the school finance office every year. The agricultural card given by the bank can be used to open an account with a personal ID card, and students can deposit and withdraw money at ordinary times, and students can repay through the agricultural card after graduation.

4. The maximum loan amount that each student can apply for each year does not exceed 8,000 yuan, and the loan period does not exceed 8 years. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation.

How to renew college students' student loans online?

Online operation process of student loan extension;

1. Select the loan application option to apply for loan extension in the online service system of the student loan information network of China Development Bank, and fill in the application form and loan extension statement (100-200 words).

2. The acceptance method is online signing, agreeing to accept the service agreement remotely and authorizing electronic signature.

3. Face recognition and identity authentication (the authentication is successful, and the loan renewal application process is over). After that, students just need to wait patiently for the banking system to review. Generally, if the application is successful, they will get a receipt code. When the school starts, it will provide the school with the receipt code, and the school will enter the information. Student loan funds will not be released until the middle and late period of 1 1.