1 Log in to "Online Service System of Student-origin Student Loan of China Development Bank", register with real name, fill in personal information truthfully, export and print the loan application form;

2. Bring the borrower and the borrower's ID card, household registration book, admission notice, loan application form, application form for identifying students with financial difficulties, etc. to the Student Financial Assistance Management Center for review and signing the contract. Note that students who apply for loans for the first time must sign a loan contract with the borrower at the same time.

3. Loan students should report to the school with the contract and loan acceptance certificate. After registration, enter the electronic receipt of the loan in the financial aid center of the university and check the entry information.

If you have any questions in the process, you can call the student loan service hotline of China Development Bank for consultation.

Whether the student loan is repaid once a month or once a year depends on your situation. The specific repayment method is as follows:

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

According to my own needs, if there is a loan demand in the past two years, I can repay it on a monthly basis as agreed. This is called raising a card, in order to maintain a good credit record in the future. The premise is to pay off all overdue debts first and repay the balance every month as agreed. This repayment method is not good for the staff personally, and he can't get the commission.

If there is no credit demand in these two years, it can be paid off in one lump sum, saving a lot of financial expenses. The credit record for the next two years is blank. When applying for a loan two years later, the bank may be suspicious. Generally, after one or two years, the impact will be lighter, and after five years, there will be basically no impact. You need to consider this time cost.

When approving the loan application, the bank loan officer will consider your previous cooperation record with the bank. Those with credit records scored higher than those without credit records. In order to improve their scores, other ways can be used, such as increasing transaction flow and maintaining a high fund balance in the account. High income, high education, high professional title, high position and stable family are all beneficial to your credit score in the bank.

Overdue treatment

The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal.

However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report.

When will the student loan arrive? Generally, it will be received in June 1 1 month, and the national student loan will be received in mid-June 1 loan amount.

Student-origin student loan

At present, the student-origin credit loan contract signed by China Development Bank and students does not clearly stipulate the time when the funds will be transferred to the student account. However, according to the application process of student-origin student loan, it should be about 1 1. However, the arrival time of the money does not affect students' enrollment, and they only need to explain the situation to the school when registering.

government-subsidized student loans

If it is a student loan applied for this academic year, it will be signed with the borrower after being audited by the school and the loan bank. After the contract is signed, the loan will be released in about 20 working days, and the time is about165438+1mid-October.

If you apply for a student loan every academic year, the loan bank will transfer the loan amount to the Alipay account of the loan student year by year. In the second year, you don't need to reapply, and the review is much simpler. You mainly pay attention to students' school performance and exam results, so you will receive a loan amount in the middle of 10.

Extended data:

Student loan application process

Student loans are mainly aimed at undergraduates, master students and second bachelor students with financial difficulties. After school starts in September every year, you can apply. The specific process is as follows:

1. Prepare loan-related materials, including but not limited to student ID card, ID card, proof of family financial difficulties and other materials.

2. China Development Bank student loan information online registration personal information, and then enter the "loan application" module, click "export loan application form".

3. Fill out the application form and go to the village committee or the township civil affairs department to stamp it.

4. Submit the application form and confirm the loan amount. In principle, the loan amount per person per year does not exceed 6,000 yuan, which is mainly used for tuition and accommodation.

5. The school will review the loan student information, seal it after confirmation, and the lender will conduct the final review.

6, after the success of the audit, the loan.