Students who have applied for student loans know that they can repay with Alipay. So what is the process of using Alipay for repayment? Next, I will share with you the specific operation method.
tool
Alipay national student loan
Steps:
1. Log in to Alipay account-Application Center-Student Loan Repayment. As shown in the figure:
2. Enter the borrower's Alipay account, ID number and verification code and inquire about repayment information. As shown in the figure:
3. Check the repayment amount and repay the loan. As shown in the figure:
4. Enter the cashier to pay. After successful payment, the repayment will be successful. As shown in the figure:
Second, what should I do after applying for a student loan?
The handling bank will transfer the loan funds to the borrower's personal account, and the loan funds will be transferred from the personal account to the tuition account of the borrower's school. The student loan is a credit loan, and the student and his parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment.
After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of repayment plan can only be carried out within the loan period agreed in the contract, and it shall not be postponed.
Precautions for application:
1. Frequency of signing loan contracts:
In order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student loan contracts should be signed once a year. When signing the loan contract for the first time, the borrower and co-borrower must be present at the same time; When signing the loan renewal contract, either the borrower or the co-borrower can handle it with the power of attorney.
According to the terms of the 20 1 1 new version of the student-origin student loan contract, the borrowing student and co-borrower are mutually authorized by default, so there is no need to sign a power of attorney.
2. co-borrower:
In principle, co-borrower is the parent or legal guardian of the borrower, and the household registration before enrollment must be consistent with the borrower's own household registration; When co-borrower is not a parent, he must be between 25 and 60 years old. If co-borrower is over 60, please replace co-borrower.
3. Materials required for the first application for student-origin student loan:
Stamped application form, personal and co-borrower ID cards, college admission notice (students holding student ID cards) and copies of the above materials; I and co-borrower's household registration book can be produced without a copy; Other materials that need to be provided by the funding center. Starting from 20 1 1, students only need to go to the university financial aid center to apply for electronic receipts online, instead of mailing paper receipts.
For the above contents, please refer to Baidu Encyclopedia-Student Source Credit Student Loan.
Can I still apply for a student loan after I pay the tuition?
Of course.
The students have already paid the tuition. After the student loan funds are issued, the staff of the financial department can refund the tuition fees paid in full with the payment invoice. Because some schools will require users to pay tuition fees first, as long as the student loan funds are released, the school will refund the tuition fees, and it is impossible for the school to charge tuition fees twice a school year.
Paying tuition fees in advance is just a bit troublesome, but it will not affect the application results and lending of student loans, and students can rest assured.
Student loan quota
(1) loan amount
The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1 1,000 and 8,000. In principle, it is used for students' tuition and accommodation during school. Students who obtained national student loans in colleges and universities in those years may not apply for student-origin credit student loans at the same time.
② loan term
In principle, the loan term is determined by 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. Students begin to repay the loan principal in installments according to the loan contract two years after graduation from the normal academic system.
The two-year grace period is for students at school and after graduation. After the grace period, 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 pursue higher degrees (including graduate students and second bachelor's degrees) will correspondingly shorten the time limit for students to pay principal and interest after graduation.
Fourth, apply for a student loan. What can Alipay do besides repaying the loan?
Hello!
Manage Mao Mao to buy things on Taobao as a third party.
Although the payment is made directly by bank card, the process is still bank card-Alipay-seller.
In this way, Alipay, as a third party, can play the role of a bridge, with integrity = =
The loan number is only used for repayment.
This Alipay number cannot be transferred, and it is limited, so it is generally not used.
If it helps you, please adopt it.