Student loans have not been issued, probably because loan funds are still being issued. General student loans will be issued in the middle and late of 1 1. Usually, it will be transferred to the student account first, and then to the tuition account of the school.
Part of it is directly invested in the school, and after the school deducts it, the rest is returned to the students. If the waiting time is too long, you can also contact the person in charge of the school financial aid center to consult the specific progress.
Student loan is a kind of loan issued by the state to help poor students go to school. Students at school are interest-free and need to pay interest after work.
Application process of student loan:
1. Apply for a loan.
2. Qualification examination.
3. Sign a loan contract.
Fujian Rural Credit Cooperatives' Student-origin Student Loan was renewed in the second year. The rural credit cooperative system shows that the loan has been released, but the school says it has not received the money yet?
Students' student loans are credited to personal bank accounts, and you need to go to the bank to check the account balance. In principle, students' credit student loans are used to borrow students' tuition and accommodation fees. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses. The national student credit loan is applied, approved and issued annually.
Application procedure of student-origin student loan
I. Loan application
The borrower applies for a loan from the Student Financial Assistance Management Center of the Education Bureau where his family is registered, fills in the loan application form and provides materials at the same time.
1. Original and photocopy of the borrower and the borrower's household registration book.
2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate).
3. Proof of student status, with college admission notice and its copy; Students are required to show their student ID card and the proof of the borrower's source of life issued by the borrower's university.
Second, the contract signing
1, local funding centers review application materials.
2. The local financial aid center guides students to open personal accounts in the handling bank.
3, signed the "student credit loan contract"
4, issued by the local funding center "student credit loan contract receipt".
Third, the contract receipt
1. Borrowing students bring contract receipts to school.
2. The school shall go through the acceptance procedures according to the contract requirements.
3. The student will send the contract receipt back to the county-level funding center where the student is located.
4, the local financial aid center to prepare a summary report to the provincial student financial aid management center.
5, the provincial funding management center submitted to the handling bank for approval.
Four. loan origination
1. The handling bank transfers the loan funds to the borrower's personal account.
2. The loan funds are transferred from the personal account to the tuition account of the borrower's school.
Extended data:
Student-origin loan conditions
1, China nationality.
2, honest and trustworthy, law-abiding.
3. Freshmen, postgraduates and students with a second bachelor's degree who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice.
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district).
The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.
I successfully applied for a student loan, but the money didn't arrive. What should I do? The money hasn't arrived yet. Do you want to return it?
It is recommended to contact the relevant departments of the school to verify whether the loan application is successful. Lend if it is approved, and not if it is not approved. There is no need to repay.
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.
Extended data
The consequences of student loans overdue are as follows:
1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment.
2. The handling bank will input the personal basic information and repayment of the graduated students into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. If the graduates of the national student loan break the contract seriously, it will affect them to apply for other personal consumption credit from financial institutions.
3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will announce the borrower's name, citizenship number, graduation school, specific breach of contract and other information through news media, internet and other information channels.
4. The defaulter shall bear relevant legal responsibilities.
The bank has lent out student loans, but the school says it hasn't received them yet. What should I do?
When signing the loan contract, if there is a designated loan account number, the loan term shall be determined in principle according to the number of years of full-time undergraduate education (students according to the remaining years of education) plus 10 years, and the longest loan term shall not exceed 14 years. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract.
The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to study for higher degrees (including graduate students and second bachelor's degrees) will shorten the period of repayment of principal and interest after graduation.
Extended data
The benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).