The approval of the student loan does not mean that the loan has been approved, but the loan application submitted by the lender is still waiting for the approval of the bank. Under normal circumstances, it will pass as long as it meets the conditions.
Has the student loan been approved?
The approval of the student loan does not mean that the loan has been approved, but the loan application submitted by the lender is still waiting for the approval of the bank. But generally speaking, as long as there is no problem with the information submitted by the lender, the student loan will be approved.
It takes some time to approve student loans. After approval, the loan will not be issued immediately. Banks will concentrate on lending directly to Alipay's exclusive account. Students don't need to take the initiative to pay tuition fees, and the school will automatically deduct them.
Reasons for the failure of student loans
1, which does not meet the requirements for registration, is the most common reason for not passing. Before applying for a student loan, you must see clearly what the local application conditions are and whether they meet the requirements.
2. The materials submitted are incomplete, and several materials are required to apply for a student loan. The regulations in different regions are different, so you can go to the local office for detailed consultation.
3. Miss the loan acceptance time. The application time is from July to September every year. Once the acceptance time is missed, this year's loan application will not pass, and you can only wait until next year to apply for a loan.
4. If the loan application is incomplete and irregular, it must be filled in with a carbon pen and signed by the student and the borrower respectively.
5. The lender does not meet the requirements. If the borrower is not the father or mother of the borrower, the age requirement is between 25 and 60.
Will the student loan fail? .
The student loan will fail, and no loan will pass 100%. When your student loan fails, you should find out the reason and see if there is any way to save it, so that you can submit your application again.
Reasons for the failure of student source loan:
1. The information filled in is incorrect. When filling out the loan application, you must pay attention to checking the accuracy and timeliness of the information.
2.*** If the borrower does not meet the requirements, his immediate family members must be between 25 and 60 years old if they are not parents.
3. If you don't have enough education, you can't apply. For college students, education is limited to junior college or above, and high school education cannot be applied for.
4. If there is no proof of family poverty, there must be a proof of poverty, which can only take effect after being sealed by the local village committee or neighborhood committee.
Student-origin student loans are only applicable to students who really need funds to go to college, and not everyone can apply. If the approval is not passed, you can resubmit the application as long as it does not meet the requirements, but you must hurry.
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.
According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower.
1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.
2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year.
3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.
Student-based student loans have been shown in the examination and approval. Is this not approved?
I don't think so. The national student loan is open to all students. That's fair. As long as you meet the application conditions, you will generally be approved. Even if it is not approved for you, it will not be delayed all the time, but will give an audit opinion in a very short time. You should be censored.
I don't know much about your present situation. I remember when I first applied for a student loan, there was no epidemic. I went to the scene to check it out. At that time, he only checked my brother's information, and when he saw that the information was complete, he quickly dealt with it. If this is your first time, you can check whether you have prepared all the information first. The materials that need to be prepared for the first student-origin student loan include: Application Form, Application Form for Identification of Students with Financial Difficulties (both forms need to be filled in and signed online in the online system of student-origin student loan of China Development Bank), the borrower and the original ID card of the borrower, the original admission notice or student ID card, and the original household registration book.
If it is a loan renewal, the process is relatively simple. You just need to apply online and submit the information on the spot. At present, due to the epidemic situation, many places do not need on-site application, which brings us convenience and inevitably brings some troubles. For example, we can't check the progress and problems of the loan application now, and the review period may be too long due to insufficient staff.
According to my experience, there is generally no big problem. I remember that my former classmate filled in the wrong quota, and the relevant person in charge called her directly and asked him to correct it. So you shouldn't refuse the approval, it may just be that something has gone wrong. You can wait a day. If not, you can call directly for consultation. Someone will tell you the final result, and then you just need to make changes according to their requirements.
Why has the student loan been under examination and approval? Is it not recognized?
There is still time for student loan approval. If it doesn't pass, it may not be time.
The student loan is already under examination and approval, which means it is still under examination. Once this happens, it means that the loan is still in the review stage.
If the user is already at this stage, he can call the loan financial institution to inquire about the relevant business progress.
Users need to be audited in batches after applying for student loans. If they find that their student loans have not been audited, don't worry too much.
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.