The deadline for the acceptance of the funding center is subject to the local announcement time, generally before mid-September.
Those who apply for national student loans can go through the application procedures at school after the start of the new school year.
If you are applying for a student loan from a student source, freshmen can go to the local student financial assistance center to submit the application procedures after receiving the admission notice.
Non-freshman students who apply for loan renewal can apply online after April, and then they need to submit the application form and a copy of the student ID card to the local student financial assistance center during the summer vacation.
Application time of national student loan
Generally, the application time of national student loan is from September to June every year, 65438+ 10. If the national student loan application is successful, it will be issued in mid-June 165438+ 10. Just wait patiently. After the school deducts the fees, the remaining money will go to everyone's Alipay account. Details are as follows:
1. After the student loan is issued, the students who help the loan cannot be the first to take the lead.
2. When colleges and universities automatically deduct money, they don't need to help students with loans. If the university deducts money successfully, the payment is successful.
3. After the university deducts money, if there is any surplus, it will stay in its own contract Alipay. After Alipay's real-name authentication, you can withdraw the money to the bound bank card for your short-term living expenses.
4. If the amount of receipts owed by colleges and universities is greater than the actual amount owed, the remaining part should be left in colleges and universities and returned to everyone after settlement by colleges and universities. Please pay attention to the specific refund time and method.
The preliminary review and process of its distribution are as follows:
1. After the first batch of loan students handle it on the spot, the students who renew the loan can get the acceptance certificate and contract of student-origin student loan issued by the county student aid center, and at the same time they will all receive the receipt verification message from China Development Bank 95593 about your student loan.
2. At the beginning of the school year, college students with student loans can register and pay in colleges and universities with the acceptance certificate issued by the county funding center. If the loan amount can fully cover the tuition and accommodation fees for the new academic year, these two fees will not be paid! If the loan amount cannot fully cover the tuition and accommodation fees payable, the difference will only be paid by cash or transfer. You can wait patiently after handing in the acceptance form.
3. After the student loan acceptance certificate (or receipt check code) is submitted to the university, the university will conduct offline and online audit.
Offline audit: the main audit is to judge whether you passed the poverty identification of colleges and universities in the last academic year, so as to determine whether you meet the conditions of student loans.
Online audit: after the qualification of college student loan is judged, the college financial aid center will enter the college end of the student loan management system of China Development Bank to enter the unpaid funds for you.
4.10 Before June 15, colleges and universities must enter the unpaid amount for all students with student loans, otherwise they cannot continue to enter. CDB will close the function of entering the collection amount in colleges and universities around the middle of 5438+ 10. After the receipt is entered in colleges and universities, the county aid center will summarize and submit this year's student loan application, and accept the audit of Sichuan Branch of China Development Bank.
5.11From late October to mid-October, all regional branches of China Development Bank will review all the student loan contracts in the province in 20021year. As long as the colleges and universities pass the examination, the certificate uploaded by the county aid center for you is correct, and your own contract is signed accurately, there is no problem with the provincial branch of China Development Bank. Of course, if the certificate uploaded to you by the county student aid center is wrong, or the contract signature of the first loan student is inaccurate, the county student aid center will urge the problematic contractor to make rectification within a time limit or promise to make rectification.
6. After the approval of the provincial branches of China Development Bank, 1 1 will be distributed around mid-June. The student loan you apply for will be credited to your loan contract Alipay. After the account arrives, your university will automatically deduct it from your loan contract Alipay without doing anything. After the successful deduction in colleges and universities, CDB 95593 will inform you of the amount of student loans issued this year and the amount of automatic deduction in colleges and universities by SMS, so that everyone can understand. It takes some time to issue loans, so just wait patiently.
When can I apply for a student loan?
Student loans are divided into student-origin student loans and university student loans. The application time for student loans is generally June-September (summer vacation), and the application time for college students' loans is generally September-65438+February (after the start of school).
When did you apply for a student loan?
The application time of student loans is not fixed and unified, and the application time of student loans in different types and regions is slightly different. Student loans are divided into student-origin student loans and university student loans. The application time for student loans is generally June-September (summer vacation), and the application time for college students' loans is generally September-65438+February (after the start of school). For details, please call the student loan service hotline of China Development Bank at 95593.
In addition, you can only apply for one of the student-origin student loan and the college student loan. Student loans can be applied to the local student financial assistance management center or bank, and student loans can be applied to the student financial assistance management center.
Student loan application process
1, national student loan application process
(1) Apply for a student loan from the school.
(2) Get the student loan application form and fill it out.
(3) Fill it out and submit it to the school, and attach relevant materials: student ID card, copy of ID card, description of family situation, proof of family difficulties, etc.
(4) Waiting for the approval of schools and banks. After the approval, you can sign a contract and apply for a student loan.
2. Student loan process
(1) Apply for a loan from the Student Financial Assistance Management Center of the Education Bureau where the household registration is located.
(2) Fill in the loan application form and provide the following materials: the original and photocopy of the household registration book, the original and photocopy of the ID card, the certificate of student status, and the certificate of student credit loan issued by the school.
(3) After approval, you can sign a contract and get a loan.
Note: after signing the student loan contract, you need to repay according to the contract requirements. If it is overdue, you will also get credit information at the meeting.
When will the annual student loan be repaid?
First, the repayment time of student loans.
1. According to the student loan policy, the interest settlement date of the loan is 65438+February 20th every year.
2. Within two years after graduation, the borrower shall deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.
3. Borrowing students who want to repay in advance can apply during the period from 1 to1every month (except 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank.
Reminder: The interest of student-origin student loans shall be implemented according to the benchmark loan interest rate issued by the central bank in the same period, and it is required to be paid off in full on September 20 of the last year of the loan term. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.
Second, the amount of student credit loans
The loan amount does not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
Three, the student credit loan period
In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of the education system) plus 10 years, and the longest period 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 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.