Quite reliable, but not as reliable as CDB. Huaan student loan is not a national student loan. The national student loan is funded by China Development Bank, which is an important financial aid measure for college students with financial difficulties. The aided students can enjoy interest-free service during their four-year university stay. Huaan student loan is initiated by Huaan Insurance and funded by Huaan Insurance, which belongs to the nature of enterprise investment.
Huaan student loan should not be overdue in the subsequent repayment, because overdue repayment will generate penalty interest, and the longer the delay, the more penalty interest. Moreover, Hua 'an will upload it to the Credit Information Center after helping loans overdue, and bad personal credit information will affect the subsequent handling of various loans, such as car loans or mortgages.
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How to judge whether the loan company is reliable?
1, first look at the company's qualifications.
First of all, the business license name of a regular small loan company must contain the words "small loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, regular microfinance companies "only lend and don't save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.
2. Do you charge in advance?
Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.
3, the audit is too loose.
With the development of internet finance, credit testing is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low to be attractive should be more careful. Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the actual lending process, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.
4. Is the loan interest rate too high?
After choosing a company and avoiding so many loan traps, when you actually place an order and submit an application, you have to look at a serious problem-the loan interest rate. Interest rates are too low to be reliable, and too high is usury. How to judge? The new Private Lending Law stipulates that the annual interest rate of loans is protected within 24%, and it is illegal to exceed 36%. If the interest rate is too high, this kind of microfinance is not reliable.
What bank is the student loan?
The bank that handles student loans is China Development Bank.
When handling student loans, borrowers should apply for loans to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where their household registration is located (hereinafter referred to as the "county-level financial assistance center"), fill in the loan application form and provide the following materials:
1. The borrower and the original and photocopy of 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. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.
There are two main repayment methods of student loans, Alipay repayment and bank repayment. Students are interest-free during school, but after graduation, the bank will charge interest according to the bank interest rate.
When the bank repays the student loan, it needs to bring all the materials, my ID card, bank card, etc. When you arrive at the bank, you should get the application form from the staff and fill it out, then go to the counter with the completed application form to handle the repayment procedures, and finally give the repayment voucher to the person in charge, and remember the password of the bank card, otherwise it will bring you a lot of trouble.
Extended data
Handling of student aid in loans overdue:
I applied for a student loan when I was in college, and now I have graduated from work. I need a loan to buy a house and do a credit card, only to find that I have bad credit.
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?
Many students' overdue interest payments are caused by their ignorance of the policy.
The term of the student loan is 10 year, 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.
If it is maliciously overdue, you can explain to the bank and cancel your 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.
What does it mean in the enrollment confirmation of Huaan students?
The student loan of China Development Bank enjoys the national discount during the school period. Under normal circumstances, when signing a contract, interest will start to accrue according to the graduation time planned by the academic system. Graduation confirmation is to confirm normal graduation and enjoy national preferential treatment according to the policy. Students who graduate from junior college for further study can continue to enjoy national preferential treatment and extend the preferential period. Therefore, graduation confirmation is also to ensure that loan students who have been promoted to undergraduate, graduate or doctoral degrees can postpone confirmation. In addition, you must keep your contact information when you confirm graduation, so that college teachers or teachers in the student aid center can effectively contact the loan collection work after leaving the campus.
Which bank is the student source loan?
Student-origin student loan is the National Development Bank.
Student-origin credit student loan refers to the student loan issued by China 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. The loan is a credit loan, and the students and their parents (or other legal guardians) are * * * and the 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.
CHINADEVELOPMENTBANK is a policy financial institution in China, directly under the leadership of the State Council, and its banking business is supervised by the People's Bank of China, [1], which was established in March 2004 1994. The bank mainly serves the major medium-and long-term development strategy of the national economy by providing medium-and long-term financial services such as credit and investment, and owns subsidiaries such as CDB Finance, China-Africa Fund and CDB Development Fund.