How to apply for an online student loan?

How to apply for a student loan online? Not everyone has a good family condition. Being admitted to college is the first step for many students to change their lives, especially those from poor families, who need to learn knowledge to change their destiny. Let's take a look at how to apply for a student loan and related information online.

How to apply for a student loan online 1 Enter the online student loan system of CDB student credit, enter the login name, password and verification code or select "ID login" to enter, add new information, and submit the application after confirmation.

How to apply for an online student loan?

1. Enter the online student system of CDB student source credit student loan;

2. After entering the website, enter the login name, password and verification code or select "ID Card Login" to enter, click "Loan Application" in the selection bar on the left and click "Add";

3. Enter the loan application information, data review, co-borrower information and account information, and finally click Submit.

The above is the relevant content of the online student loan steps.

Application conditions for student loans

(1) Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education), or undergraduates, graduate students (including master's and doctoral students) and second bachelor's degree students who are studying in colleges and universities.

(2) The family is in financial difficulties, and the income that the family can get is not enough to support the basic expenses that students need to complete their studies during their school years.

(3) In that year, students' loans from the Development Bank or national student loans from other financial institutions were not obtained.

(4) co-borrower shall meet the following conditions:

1, in principle, it should be the father or mother of the borrowing student; When the co-borrower is the parent of the student, there is no age limit;

2. If the parents of the borrowing students lose their ability to work or civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be regarded as co-borrower;

3. If the borrower is an orphan, the co-borrower is his guardian, or a natural person who voluntarily serves as his co-borrower and has full civil capacity;

4. co-borrower household registration and students' pre-school household registration are in the county (city, district) in principle; If the borrower and his guardian are not in the same county (city, district), apply for a loan to the county-level financial aid management center where the student's household registration is located;

5. When co-borrower is not the parent or guardian of the borrower, he should be at least 18 years old and have full capacity for civil conduct;

6. Students who have not settled the credit student loan (or college student loan) of the Development Bank cannot be used as co-borrower as other borrowing students in principle;

7. If the borrower is under the age of 16 when applying for the student loan, his co-borrower must be his parents or guardians.

How to apply for a student loan online?

(A) the first application for student loans

1, apply for a bank card

Students need to bring their ID cards to the local rural commercial bank to apply for bank cards for the first time.

Step 2 Apply online

Log in to "E Baifu", enter the "Loan Zone", click "Baifu Student Loan", fill in the relevant information and submit the application.

(2) Renewing the loan

Log in to "E Baifu", enter the "Loan Zone", click "Baifu Student Loan", fill in the relevant information and submit the application.

Second, the local funding center audit

(a) the first application requires students and co-borrower to the local county (city) Education Bureau funding center for on-site confirmation.

Materials required:

1. Original ID cards of students and co-borrower;

2. Original account books;

3. Admission notice;

4. The application form for student source credit student loan and the application form for identifying students with financial difficulties from families are provided by the window of the Education and Sports Bureau, and the students themselves fill in their signatures and press their fingerprints.

(2) Students who renew their loans only need to log in to "E Baifu" to apply online, and the local county (city) funding center will conduct online audit.

Third, sign a contract.

After the bank approves the loan, the system will send a short message to remind the borrowing students and co-borrower to log in to "E Baifu" respectively and sign the loan contract for the student-origin credit student loan.

Fourth, confirm the receipt.

Students studying in colleges and universities in the province shall enter the electronic receipt by the university funding center, which will take effect after being confirmed by the funding center of the local county (city) Education Bureau.

Students studying in universities outside the province can log in to "E Baifu" to download the electronic receipt, which will be printed and stamped by the university, and then take photos in "E Baifu" and upload the receipt.

Verb (abbreviation for verb) bank loan

After reviewing the student's receipt, the student aid center sends a loan instruction to the bank, and the loan will be directly issued to the student's personal rural commercial bank card.

skill

Borrowing students should log in to "EBF" for graduation confirmation in the year of graduation, which is convenient for your business consultation and debt service. Borrowing students who have dropped out of higher education due to illness should go to the local funding center to change their schooling information before August 3 1 of the graduation year, so that they can continue to enjoy financial discount after entering higher education.

Introduction of student-origin credit student loan

Student-origin credit student loan is a student loan issued by financial institutions to eligible freshmen and students with financial difficulties. It is handled in the county (city, district) where the students are registered before entering school.

Note: Student-origin credit student loan is handled in the county (city, district) where the student's household registration is located before enrollment.

Applicable object

Jiangxi students who participated in the unified entrance examination for colleges and universities nationwide and were admitted. The student loan business of 50 counties (autonomous regions and municipalities) in six cities including Jiujiang, Jingdezhen, Pingxiang, yingtan, Shangrao and Ji 'an in Jiangxi Province is accepted by local rural commercial banks; China Development Bank accepts student loans from other cities.

loan limit

Full-time undergraduate students (including second bachelor's degree, higher vocational students and preparatory students, the same below) do not exceed 8,000 yuan per person per year, and full-time graduate students do not exceed12,000 yuan per person per year (the specific amount is subject to the subsidy policy issued by the state in that year).

deadline

Add 15 years according to the remaining academic system, with a maximum of 22 years.

Loan discount

√ The interest of borrowing students during their study period is fully subsidized by the finance.

√ Borrowing students who continue to pursue their degrees during the repayment period after graduation should apply to the county-level financial aid management center for changing their schooling information in time. After the audit of the county-level financial aid management center, the loan interest incurred during the period of continuing to study for a degree will continue to be fully discounted by the original discount finance department.

Product characteristics

√ Annual payment;

√ Online processing;

√ Free of mortgage and guarantee;

√ Financial discount.

Letter of credit clause

(1) Borrowing students should meet the following conditions at the same time:

√ Have People's Republic of China (PRC) nationality.

√ Honest and trustworthy, law-abiding.

√ Students' pre-school household registration and their household registration in co-borrower are in the county (city, district).

√ Full-time freshmen (including preparatory students) who have been officially admitted by full-time ordinary undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or undergraduate, graduate and second bachelor's degree students who are studying in colleges and universities.

√ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

(2) co-borrower should meet the following conditions:

√ In principle, it should be the parents of borrowing students; If the parents of the borrowing students lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other close relatives of the borrowing students can be regarded as co-borrower; If the borrower is an orphan, the co-borrower is another legal guardian, or a natural person who voluntarily shares the repayment responsibility with the borrower, has full civil capacity and is registered locally.

√ If co-borrower is not the parent of the borrowing student, his/her age should be over 25 and under 60.

How to apply for a student loan online? 3. Conditions for applying for national student loans.

1, with full capacity for civil conduct.

2, honest and trustworthy, law-abiding, no illegal behavior.

3, good academic performance, can complete their studies normally.

4. The income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.

5. Strictly abide by the regulations of the state, banks and schools on national student loans, promise to use the loans correctly and fulfill the repayment obligations according to the regulations.

6. Other conditions stipulated by the lending bank.

What materials do I need to apply for a national student loan?

1, national student loan application.

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans).

I explained the financial difficulties of my family.

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Process of applying for national student loan

1. Open the student loan of China Development Bank in official website.

2. Click on "Student Online Service System".

3. If the first loan needs to be registered, click "Register" and fill in the relevant information.

4. You need the guarantor to check your identity at the local county aid center, get the application form, and bring your ID card and application form to the county aid center to submit.

Repaying student loans

At present, there are two repayment methods for student loans, Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest.

Alipay repayment

1, the operation of prepayment of student loans of China Development Bank needs to be before 10 every month.

2. Log in to the student loan information network of China Development Bank.

3. Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.

4. Find the prepayment write-off.

5. Apply for prepayment as required. The application date for prepayment is from June 1 day to June1day (except June 1 1 day).

6. Requirements:

(1) If prepayment is required, please click the "Add" button to enter the prepayment adding page.

(2) In the new page, select the corresponding contract number, and the required information will be displayed in the system. Click "Submit" after confirming the information to complete the new operation.

(3) If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.

(4) The accounting processing cycle is after 10 every month, and the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.

(5) After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.

7. For specific repayment records, please check your loan background repayment records.

Bank repayment

1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process;

2. After entering the bank, queue up to get the number, then go to the staff to get the application form and fill in all the contents in detail;

3. Go to the counter to handle the loan repayment procedures;

4. Send the repayment voucher to the relevant person in charge.

Repayment instructions

1. Students should pay off in one lump sum or in installments before graduation;

2. After graduation, students can look at their liquidity to repay their loans;

3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly;

In the place where graduates work, according to their performance, they decide to reduce the loan repayment;

5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.

Problems needing attention in student loan

1. Students applying for loans must present a written application form with the seal and certificate of the civil affairs bureau at or above the county level. The application requires a detailed description of the family situation, indicating personal repayment consciousness, and indicating the detailed address, parents' work unit, contact telephone number and postal code.

2. The loan applied by freshmen can only be submitted to the school finance office in the following year. Therefore, the tuition fee for the first year needs to be paid by yourself, and then it will be settled in the school finance office every year. The agricultural card given by the bank can be used to open an account with a personal ID card, and students can deposit and withdraw money at ordinary times, and students can repay through the agricultural card after graduation.

4. The maximum loan amount that each student can apply for each year does not exceed 8,000 yuan, and the loan period does not exceed 8 years. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation.

Second, how do graduate students apply for student loans? Detailed explanation of application process!

Every year, a large number of students can't afford the tuition and accommodation fees from undergraduate to graduate. In this case, these students need to apply for graduate student loans. Today, I will tell you how to apply for a graduate student loan.

Graduate student loan application process:

1. Enter the student loan information network of China Development Bank and log in to the online service system for students;

2. Register your own account and fill out the loan application form yourself;

3. Students and co-borrower go to the local area with the printed loan application form and their original ID cards.

4. After passing the examination, sign a loan contract on the spot;

5. Bring the receipt to the school, and let the teachers in the financial aid center of the school input the receipt into the system;

6. Just wait for the National Development Bank to uniformly review the loan.

How do ordinary students apply for student loans?

3. How to apply for an online student loan?

Please refer to My Space for the application process of student source credit student loan: