Does the loan go to the central school

1. If you want to ask your school, I haven't heard of such a loan in the bank
if you come to the bank yourself, you will only get a rebuff.
maybe the school will cooperate with some banks

2. Hello, yes, you will know the loan process through the following process:
first, fill in the application form in the school, which will be approved by the school, and you will be given the student loan application form
Second, find the green channel or the person in charge of the student loan in the local credit cooperatives, and transfer the money through their audit
note:
first, the application in the school should be written in a miserable way. It is better to write a negative number in the income, which means that the family can't make ends meet
secondly, three insurers are required for approval of credit cooperatives, including parents and insurers. Some of the management personnel may be difficult for you, or even secretly want benefits. They can call the mayor directly, or they can call the mayor directly. This government attaches great importance to it
the processing time is ring winter vacation or summer vacation, and it will not be held after expiration
in the summer vacation and winter vacation, it's good to take your student ID card to the credit union to transfer money. Repayment period from graation, the interest is very low within two years, after two years according to the ordinary loan interest.

3.

Loan students apply for loans from the bank through the school to make up for the shortage of various expenses ring the school period, and repay them in installments after graation. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students should apply for one time and the bank should issue the national student loan by stages

conditions for applying for national student loan:

have full capacity for civil conct (minors must be approved by their legal guardians in writing); Honest and trustworthy, law-abiding, no violations; He studies hard and can finish his studies normally

e to family difficulties, the income obtained ring school is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete the study; Examination and approval by the school; Other conditions specified in the general principles of loans promulgated by the people's Bank of China shall be met

Application materials:

1

2. Copies of student ID card and resident ID card (minors should provide valid identity certificate of legal guardian and written consent to apply for loan)

3. My explanation of family financial difficulties

4. The certificate of financial difficulties issued by the relevant department of the student's family. The students themselves bear the legal responsibility for the authenticity of the proof materials they provide

examination and approval:

the relevant departments of the university are responsible for the qualification examination of the national student loan applications submitted by students, and check the authenticity and integrity of the materials submitted by students; The bank is responsible for the final approval of student loan applications

repayment method:

1. Before graation, students should pay off in one or several times

(2) after graation, students can watch their movable funds to repay their loans

(3) within two to five years after the completion of the internship, the salary of the graates will be dected from their wages by their units

(4) depending on the performance of the graates, the unit where the graates work decides to rece or rece the loans advanced

(5) the parents of students who are expelled from school, ordered to quit school or voluntarily quit school e to violating national laws and school discipline should be responsible for the repayment of all loans

extended data:

according to the administrative measures of the people's Bank of China on student loans:

Article 2 student loans can be made in the form of non guaranteed (credit) student loans and guaranteed student loans

Article 3 the lender shall issue the non guaranteed (credit) student loan to the students of colleges and universities (including junior college, undergraate and graate students) (hereinafter referred to as the borrower), and issue the non guaranteed (credit) student loan and guaranteed student loan to their immediate family members and legal guardians (hereinafter referred to as the borrower)

Article 4 in order to apply for student loans, the students in Colleges and universities must have the following basic conditions: admission notice or student card, valid resident identity card; At the same time, a total of two classmates or teachers should provide proof of their identity

fifth universities should fill in the loan contract according to the regulations when they apply for student loans. They promise to provide the lender with a working unit and communication mode after leaving school, promise that the loan will not be returned within one year after the deadline, and name the ID number of the school or the relevant media. p> Article 6 the maximum amount of student loans shall not exceed the tuition and living expenses of the school in which the student is studying

Article 7 The term of student loan is generally no more than eight years, and whether to extend it or not is decided by the lender and the borrower

Article 8 the interest rate of student loan shall be implemented according to the loan interest rate of the same term stipulated by the people's Bank of China

Article 9 the student loan adopts a flexible way of repayment of principal and interest, which can be paid in advance, or with the principal paid, or by installments (yearly, quarterly or monthly). The specific way is agreed by the lender and the borrower and included in the contract. If the principal and interest of the loan are returned in advance, the interest on the part returned in advance shall be calculated and charged according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be returned on time, the lender shall calculate and collect the penalty interest according to the provisions

Article 10 where governments at all levels and all walks of life provide guarantees or interest subsidies for borrowers, the proportion and time of interest discount shall be jointly agreed by the lender or the borrower's school and the discount provider

Article 11 the borrower shall abide by his credit. If he leaves the school for any reason, he shall take the initiative to inform the lender of his latest means of communication and work unit, and repay the principal and interest of the loan on schele

Article 12 institutions of higher learning shall assist students in applying for student loans and in the management of loan granting and withdrawal. In case of transfer, suspension, drop out, going abroad, being expelled, casualties, etc., the borrower's school is obliged to inform the lender in time

repayment of loan

after graation, students need to pay the loan interest in full. The handling bank allows students to choose to repay the loan principal from any month within 24 months after graation according to their employment and income level. For the specific repayment matters, the borrowing students shall apply to the handling bank for approval when going through the repayment confirmation proceres

banks usually design two repayment methods for students: equal principal and interest repayment method and equal principal repayment method. Equal amount of principal and interest repayment method, the amount of principal and interest repayment in each period is equal, and the repayment pressure is evenly distributed

in the equal principal repayment method, the initial repayment amount of each period is more, and the subsequent repayment amount of each period is less, and the repayment pressure is tight in the front and loose in the back. The total amount of principal and interest paid by the equal principal and interest repayment method is slightly higher than the equal principal repayment method

If the student who borrows the national student loan fails to repay the loan according to the time limit and amount agreed in the repayment agreement signed with the handling bank, the handling bank shall calculate and collect the penalty interest on the default repayment amount, and record the default behavior into the credit reference system of financial institutions, and the financial institutions will no longer handle new loans and other credit business for him

2. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will publish their names, citizenship numbers, graation schools and specific breach of contract information through news media, Internet and other information channels for those students who have been in arrears for more than one year and do not actively contact with the bank to go through the relevant proceres

3. The defaulter shall bear relevant legal liabilities

4. Did you get a student loan
if you don't go to school in the first year, then your student status file will be lost in the school, so that if you continue to borrow student loans in the second year, the information is incomplete, because you have no student status
if you have other loans, as long as you pay off the loan in the first year, you can continue to loan in the second year

5. Process of student loan:
1
2. Prepare materials. Prepare relevant materials, register with the student financial aid administration department of the local ecation bureau, and get the application form of credit student loan from the source of students of China Development Bank (hereinafter referred to as the application form). The borrower shall complete the application form with complete seal
3. Review materials. The borrower and the co borrower should go to the student financial aid management department of the county (city, district) ecation bureau where they register and collect the form to issue two copies of identity documents (including the ID card and of the student and the co borrower, student card or admission notice, household register), application form and postal savings account number, The staff of the student financial aid management department of the County Ecation Bureau reviewed the materials
4. Sign a contract. The borrower and the co borrowers themselves sign the loan contract of credit student loan in the place of source of students of China Development Bank, sign the loan contract, and authorize the postal savings bank to dect the loan principal and interest from the above account
5. Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 2011, students only need to go to the University Funding Center for electronic receipt, and there is no need to mail paper receipt. If the student financial aid management department of the ecation bureau does not receive the receipt within 30 days after registration (no later than October 30), it is deemed that the student has withdrawn the loan application
6. Loan issuance and payment. According to the contract, the postal savings bank will issue the loan on the date agreed in the contract, and transfer the loan funds to the designated account of the university where the borrowing student is located by telegraphic transfer
7. Repay the loan. After graation, the students and their co borrowers are responsible for depositing sufficient funds in their personal accounts on time according to the loan contract.

6. The process of student loan processing:
the loan acceptance department puts forward the loan application
prepare materials. Prepare relevant materials, register with the student financial aid administration department of the local ecation bureau, and get the application form of credit student loan from the source of students of China Development Bank (hereinafter referred to as the application form). The borrower shall complete the application form with complete seal
review materials. The borrower and the co borrower should go to the student financial aid management department of the county (city, district) ecation bureau where they register and collect the form to issue two copies of identity documents (including the ID card and of the student and the co borrower, student card or admission notice, household register), application form and postal savings account number, The staff of the student financial aid management department of the County Ecation Bureau reviewed the materials
sign a contract. The borrower and the co borrowers themselves sign the loan contract of credit student loan in the place of source of students of China Development Bank, sign the loan contract, and authorize the postal savings bank to dect the loan principal and interest from the above account
return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 2011, students only need to go to the University Funding Center for electronic receipt, and there is no need to mail paper receipt. If the student financial aid management department of the ecation bureau does not receive the receipt within 30 days after registration (no later than October 30), it is deemed that the student has withdrawn the loan application
Loan issuance and payment. According to the contract, the postal savings bank will issue the loan on the date agreed in the contract, and transfer the loan funds to the designated account of the university where the borrowing student is located by telegraphic transfer
repay the loan. After graation, the students and their co borrowers are responsible for depositing sufficient funds in their personal accounts on time according to the loan contract.

7. There are four main forms of loan in Colleges and Universities: National Student Loan; Student credit loan in the place of origin; The interest free loan that the University uses the national financial fund to deal with to the student; General business student loan

among them, the national student loan is relatively strong, and universities and cooperative banks jointly handle the national student loan for students from poor families. Loan students do not need to apply for loan guarantee or mortgage, but need to promise to repay on time, and bear the relevant legal responsibility. Due to the high risk, the enthusiasm of colleges and universities is not very high, and banks are reluctant to lend

relatively easy to operate is the student source credit student loan, which is mainly for the economically difficult families. Students and parents can apply to the student financial assistance management center or financial institution in the original registered residence county (urban area). Students and their parents are the common borrowers, and they share the responsibility of repayment.

8. You should have two loan acceptance certificates in your hand now
only when you report
and give a loan acceptance certificate to colleges and universities will colleges and universities send a receipt to your student source financial aid management center by virtue of the loan acceptance certificate
the student source financial aid management center receives the receipt
the loan will take effect
the bank will pay for colleges and universities
now you don't report
high school The university will not send the receipt, so the bank will not pay for it.
it is equivalent to that you give up automatically.
but will it have other effects.
I'm not sure.
you can call the funding management center in your hometown to see if there are any adverse effects