1. Problems with transfer of student loans from the place of origin

I have never experienced this: Normally, you use Jining’s student ID card to apply for a loan. After the loan contract is given to the school, the school will send an electronic receipt to the Development Bank to confirm the account of your school. After the issuance is successful, the money will be transferred to Jining. If there is any remaining money, or you have already paid the tuition, the issuer should transfer the money to your Alipay. After you bind your bank card after real-name authentication, you can transfer money to the card you want.

2. Can I transfer to another school if I can’t afford the tuition?

You cannot transfer to another school for this reason. If you cannot afford the tuition, you can apply to the school. There are student loans or tuition exemptions and the like

3. What should I do if I have applied for a student loan from my hometown but want to change school?

Go to the local funding management center of the student’s place of origin to make school modifications and fill out the application form.

1. Student loan amount in the student’s place of origin

The loan amount shall not exceed 8,000 yuan per person per academic year, which is an integer between 1,000 and 8,000. In principle, it shall be used during the student’s schooling period. Students studying in colleges and universities who have obtained national student loans from colleges and universities in the same year are not allowed to apply for credit student loans from the place of origin at the same time

II. Period of student loans from the place of origin

1. In principle, the loan period is determined based on the number of years of full-time undergraduate and junior college education (the remaining years of schooling for students) plus 10 years at most. The maximum loan period shall not exceed 14 years. The loan contract will begin two years after the student graduates from the normal academic system. It is agreed to repay the loan principal in annual installments

2. The grace period is the period during which the student is in school and two years after graduation. After the grace period, the student and his or her parents (or other legal guardians) will repay the loan principal in annual installments as agreed in the loan contract. Repay the principal and interest of the loan in installments

3. Borrowing students who have studied for more than 4 years and continue to study for a higher degree (including graduate students and second bachelor's degrees) will have a correspondingly shortened period of self-payment of principal and interest after graduation

3. Precautions for student loans in the student’s place of origin

1. The borrower should carefully read the contract text and earnestly perform the borrower’s obligations

2. Such as relevant national policies If adjustments occur, the new policy will be implemented

3. China Development Bank and funding centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the borrower's consent

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4. The borrower's personal information and the borrower's loan default information will be entered into the national networked personal credit system of the People's Bank of China. Bad credit records will have a profound impact on an individual's future life and work

5. The borrower should check the accounts with the student financial aid management department of the city or county education bureau and the handling bank in a timely manner after repayment to prevent problems

Extended information:

Student Loan Application Procedures for the Place of Origin

1. Loan Application

The borrower submits a loan application to the Student Financial Aid Management Center of the Local Education Bureau where his or her family is registered, fills out the loan application form, and Provide materials

1. Original and copy of household registration of the student borrower and *** and the borrower

2. ID card (or valid identity) of the student borrower and *** and the borrower Certificate) original and copy

3. Proof of student status. Freshmen should present the college admission notice and its copy; current students should present the "Student ID Card" and the "Credit Student Aid for the Place of Origin" issued by the university where the student is borrowing money. Proof of the loan borrower's place of origin"

2. Contract signing

1. The local financial aid center will review the application materials

2. The local financial aid center will guide the borrower to the bank Open a personal account at the office

3. Sign the "Student's Credit Student Loan Contract"

4. The local financial aid center issues the "Student's Credit Student Loan Contract Receipt"

3. Contract acknowledgment

1. Borrowing students bring the contract acknowledgment to the school

2. The school handles the procedures according to the contract acknowledgment requirements

3. The student shall send the contract receipt back to the county-level financial aid center where the student is located

4. The local financial aid center shall prepare a summary form and submit it to the Provincial Student Financial Aid Management Center

5. Report to the Provincial Financial Aid Management Center Submit to the handling bank for approval

IV. Loan disbursement

1. The handling bank transfers the loan funds to the personal account of the borrowing student

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