The national development bank student loan service hotline is: 95593. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. 1. There are four main forms of student 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. Second, universities with public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have also carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Third, a student in loans overdue applied for a student loan when he was in college. Now that I have graduated from work, I have to borrow money to buy a house and get a credit card, only to find that my credit is not good. Due to negligence, many students who have applied for student loans have left bad credit records. What should I do if I encounter such a problem? 2. Many students' overdue interest payment is caused by their ignorance of the policy. 3. The term of the student loan is 65,438+00 years, 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. 4. If it is maliciously overdue, you can explain to the bank and cancel your personal bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.
2. What are the first loan steps of the student loan system of China Development Bank?
The steps of the first loan in the student loan system of China Development Bank are as follows:
The process of student-origin credit student loan of China Development Bank is as follows:
1, online application. Students log on to the online student system of China Development Bank (website:), register and submit loan applications. After online application, generate, export and print the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the "Application Form").
2. Eligibility for financial difficulties. First-time loan students hold the application form to the township (street) civil affairs department to confirm the family financial difficulties. Confirmed by the township (street) civil affairs department, fill in the audit opinion in the relevant position of the "Qualification Audit" column of the application form, affix the official seal, fill in the date, sign the name of the agent and leave the contact number.
3. On-site acceptance. Present: the original ID cards of students and borrowers, the original admission notice (students are the original student ID cards) and the original household registration book; Submission: the original application form signed by the student himself, copies of ID cards of both parties, and copies of admission notice (or student ID card).
4. Open an account. China Development Bank entrusts Alipay, a third-party payment platform, as the agency of credit loans for students' origin, and is entrusted to issue and recover loan funds. China Development Bank entrusts Alipay to open an Alipay account for borrowing students.
5. sign a contract. The staff of the Student Financial Assistance Management Section of the County (city, district) Education Bureau conducted a preliminary examination of the materials submitted by the students. After the examination and approval, the China Development Bank Student Credit Student Loan Contract shall be signed, and the borrower and the borrower shall be issued with the Acceptance Certificate of Student Credit Student Loan of China Development Bank (hereinafter referred to as the Acceptance Certificate) and the contract text in duplicate.
6, colleges and universities to enter the contract receipt. Borrowing students report to the school with the acceptance certificate, and the person in charge of the school student financial assistance management department logs into the student loan management system of the Development Bank and enters the electronic contract receipt. If the electronic receipt of the contract is overdue, the loan application will be automatically cancelled according to the loan contract.
7. Loan issuance and payment. This contract will come into effect after the approval of China Development Bank. After the contract comes into effect, China Development Bank will transfer the loan funds to the borrower's personal Alipay account through the third-party payment platform Alipay according to the loan amount agreed in the contract. The third-party payment platform transfers the corresponding loan funds to the account of the borrower's school according to the unpaid amount included in the contract receipt, which is used to pay the tuition and accommodation fees of the borrower's students during their study in colleges and universities; The remaining loan funds are left in the borrower's Alipay personal account, and the borrower can withdraw them after completing the real-name authentication.
3. Has the student loan in Hubei Province been allocated? How can I know?
Hello!
At present, the contract status can be inquired through the online management system of the Development Bank, but Qichun's contract status has not been issued yet.
I hope it will be helpful to you and I hope it will be adopted.
Four, the National Development Bank student loan designated Alipay account password forgot how to get it back.
If you forget the Alipay account number of the student-origin student loan, you can log in to official website and China Development Bank to check the original Alipay password. You can also check the Alipay account number on the receipt after successfully handling the student loan.
Student account retrieval method:
After we successfully apply for a student loan, there will be a receipt every year with our funding account and our personal information on it, which we can check. The circle above is our Alipay account. In fact, many people ignore the student loan system, in which we can also query our Alipay account. Let's use IE browser Baidu "and then click official website to enter. There will be an interface when logging in. At this point, we will click "Continue to browse this webpage interface" and then click "Student Online Service System (Student Source)" and log in to your system. 5. Let's go to the interface and ask "Let's click", which depends on the package account. "Then record it. Just log in to AliPay. We also have the same password on the homepage of the interface. Student-origin credit student loan:
Refers to the national development bank and other financial institutions to students in the county (urban area) to meet the conditions of ordinary college freshmen and students with financial difficulties (hereinafter referred to as students), students and their parents (or other legal guardians) to help students with financial difficulties pay for their accommodation. It is a credit loan that does not require guarantees and mortgages, and is designated as * * * by students and their parents (or other legal guardians).