1. Repay the interest on time within the grace period.
According to the regulations, loan graduates should bear the loan interest from September 1 day of the graduation year, and repay the interest of the first year on February 20 of that year, and then repay the interest on time from June 65438 to February 20 every year. For example, if you are admitted to graduate school that year, you need to apply to the county-level financial aid center in September 1 for extension, change your schooling information, and apply for financial subsidy interest during your continuing degree study. Otherwise, the discount will not continue.
2. Repay the principal and interest on time after the grace period.
Repay the principal for the first time before February 20, 65438, two years after graduation (if you graduate on June 20 13, it should be 2015 65438+February 20), and then repay the principal on time every year from February 20, 65438, and pay it off on September 20 of the last year of the loan term. Please refer to the specific time. "
3. Update the contact information in time.
(1) Every year, 65438+February 1 Graduates take the initiative to contact the student financial assistance management center and university teachers in the place where the loan is handled, and provide the mailing address and telephone number of themselves and their families until the loan is paid off.
(2) Log on to the student online system of student-origin credit student loan on 65438+February 1 day every year, update personal information, and inquire about repayment until the loan is paid off.
4. How do students who enjoy loan compensation repay the loan?
After graduation, the loan students will participate in relevant national employment projects (such as compulsory military service and "three supports and one support"). ). In line with the conditions for enjoying loan compensation, the compensation funds will be distributed to students through schools or project organizers, and the loans will not be directly deducted. Please ask the loan students to repay the loan interest or principal in advance according to the regulations, so as not to affect their credit records.
5. Consequences of breach of contract
(1) Calculate the penalty interest according to the actual overdue amount and overdue days, and the expected annualized interest rate of penalty interest is130% of the expected annualized interest rate of normal loans;
(2) The bank has the right to publish the information of students who break the contract in the news media and online according to the contract;
(3) Default information and borrower information are loaded into the personal credit information system of China People's Bank, which directly affects personal credit (credit card, car loan, mortgage, etc.). ); Once the default information enters the credit information system, it will be retained for 5 years even if it is repaid immediately.
How to apply for student-origin loan online?
Student-origin student loans have indeed brought new hope to many families with financial difficulties. Now, most applications for student loans are made online. What is the operation process of the online system of student-origin credit student loan of China Development Bank? The following is an online guide to the application form of student-origin credit student loan.
1, log in to the system
(If the URL prompts that there is a problem with the security certificate of this website, please ignore it and select "Continue to browse this website")
Answer: Students who renew their loans log on to the system (students who have obtained loans before and applied again on 20 16).
(1) Click on the website, and select "Student-origin Student Loan" in Please Select Your Loan Type.
(2) Enter the ID number and password to log in to the system. If the ID number cannot be logged in, please click "Select User Name to Log in".
(3) If the contact information in the contact information table of the student-origin credit student loan (see Preparation of Student Materials for Renewed Loan 3) changes with the existing contact information in the system, click "Personal Information Change" on the left side of the system interface to modify the contact information.
B: New loan student login system (for newly admitted students and college students who have never 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.
Step 2 Apply online
(1) Click "Loan Application" in the selection column on the left, click "Add", select "Loan Amount", "Loan Term" and "Loan Application Reason" and then enter "Loan Reason Description" (Note: the application amount should be "tuition fee" or "tuition and accommodation fee" in principle, but it must not exceed 6,000 yuan, but it must be "6,000 yuan". The application amount of "whole hundred" within 3000-6000 yuan is valid, such as 3300 yuan, 4500 yuan, 5600 yuan, etc. Please apply for students to choose according to actual needs, so as to avoid financial security and operational difficulties caused by "withdrawal" of loan funds exceeding tuition fees and accommodation fees, and at the same time avoid repayment pressure caused by excessive loan funds; The longest loan term is 14 years, and the specific calculation method is: freshman = academic system 10 (the calculation result is greater than 14, fill in14); College students = length of schooling-years of study 10 (calculation result is greater than 14, fill in 14).
"Issuer of the loan certificate" (the village neighborhood committee can do it), "date of issuance", "contact person" and "contact telephone number" (if the name, date of issuance, contact person and contact telephone number of the issuer cannot be determined when the above information is entered, it can be temporarily left blank until the application form is printed and sealed).
(2) Enter the information of the borrower * * * (students can choose the original borrower of * * * in the drop-down box, or choose to add a borrower of * * *, and freshmen can directly choose to add a borrower of * * *. In principle, the borrower's * * * must be the student's parents or immediate family members).
(3) Account information, the settlement institution selects Alipay (Hubei) (Note: After the loan application is accepted, the Alipay account number will be automatically generated and printed on the contract when the contract information is entered, so that students can know their Alipay account number in the contract. Please refer to the website for Alipay operation. The initial password of Alipay account generated by the first loan application is printed on the loan acceptance voucher. Please modify it in time and keep it in mind after logging in. This Alipay account is a special account for student-origin credit student loans, which is deducted by Alipay, and is specially used for loan issuance and return, and cannot be used for other transfer payments. If there is a balance, it can only be withdrawn through the "cash withdrawal" function).
Step 3 print the application form
After filling in the loan application materials, click Submit, and a prompt will pop up, indicating that the application has been submitted successfully. Click Return, click Select, select the listed application form, and then click Export Application Form. After saving as a word document, print the application form directly (in duplicate). (The application form must be exported from the system after being filled in, and it is not allowed to be filled in manually, and the blank form cannot be edited by itself after being exported). Students hold the application form to the township government, sub-district offices and other departments to affix their official seals.
Note: When printing the application form, please do not change the content of the application form in the system (for example, the academic information, borrower's signature and borrower's signature on the application form should be consistent with those displayed in the system). If it is really wrong, you need to modify the content of the application form in the system. After revision, the application form must be re-exported and printed, and it shall not be altered directly on the application form. Otherwise, the loan will not be approved because the information in the system is inconsistent with the information in the application form.
How to apply for a student loan?
Pre-application for student-origin student loan directly submits the loan application to the local education bureau, and then the local education bureau inputs the data into the pre-application system.
The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.
Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.
20 15 Hubei province student loan application process
The application process of student-origin student loan in Hubei Province includes seven steps: online registration and authentication, filling in loan information, printing an application form with official seal, on-site review and signing a contract, school registration, loan approval and loan issuance. The following is the details of the application process of student loan in Hubei Province on 20 15:
1. Online Registration and Certification
If the login URL prompts that there is a problem with the security certificate of this website, please ignore it and select "Continue to browse this website". Then, click Register and enter your name, graduation school, school information, personal information, communication information, family information, contact information, etc. And set the login name, password and security information.
2. Fill in the loan information
Fill in the loan amount, term, reason and other information, and enter the borrower information and account information. Note that the settlement institution chooses Alipay (Hubei).
3. Print the application form and affix the official seal.
After filling in the loan application materials, export the application form, save it as a word document, and directly print 1 application form. Students who apply for loans for the first time hold the application form to the village (neighborhood) committee and affix their official seals in the column of "Qualification Examination", and fill in the name of the qualification examination unit, the contact person of the examination unit and the contact telephone number.
4. On-site audit to sign the contract
Students should apply to the Student Financial Assistance Management Center of the Education Bureau within the specified time with the application form and other required materials. The Student Financial Assistance Management Center of the Education Bureau will review the applicant's information and sign the contract in advance after passing the examination.
Print the loan acceptance voucher (see the attachment "Acceptance Voucher Template" with a "check code" to be submitted to the university) and give it to the students. Students will cut off the upper part and give it to the university, and the lower part of Alipay password will be kept by themselves. If the "check code" of the receipt is lost, it will be impossible to enter the receipt and approve the loan.
Report to the school
Students hold the loan contract and loan acceptance certificate to go through the registration formalities at the university student financial assistance management center, hand in the first half of the acceptance certificate, and enter the electronic receipt in the university. (Deadline 10, 10. If the receipt is not entered within the time limit, it will be regarded as giving up the loan. )
6. Lending approval
County-level funding centers collate student loan contracts, further verify relevant information (including family information and contact information of loan students), and send the collected materials to Hubei Branch of China Development Bank.
Step 7 lend money
After the approval of China Development Bank (about165438+1mid-October), the loan funds will be transferred to the Alipay account of the loan student, and the tuition and accommodation fees will be transferred to the university according to the amount on the student receipt.