In order to further implement the national student credit student loan policy and help college students with financial difficulties to successfully enroll and complete their studies, in accordance with the requirements of the China Development Bank's student credit student loan work guidelines, combined with the actual work of our county, the China Development Bank's student credit student loan policy and handling procedures and other relevant matters are hereby announced as follows▼▼▼
1. Loan object
Full-time freshmen (including preparatory students) or undergraduate students, graduate students and second bachelor's students who have been formally admitted to full-time ordinary undergraduate universities, higher vocational schools and colleges of higher education (including private universities and independent colleges), scientific research institutes, party schools, administrative schools, and accounting schools (the list of schools is subject to the list of schools announced by the Ministry of Education) that have been approved by the relevant provisions of the state to establish and implement higher academic education; Moreover, the student's household registration and co-borrower's household registration before enrollment are all in Funan County.
2. Loan amount, term and interest rate (1) Loan amount. Full-time undergraduate students (including preparatory department, higher vocational college, and second bachelor's degree) should apply for a loan amount of no more than 16,000 yuan and not less than 1,000 yuan per person per year; Full-time graduate students (including master's students and doctoral students) should apply for a loan amount of no more than 20,000 yuan and not less than 1,000 yuan per person per year. The national student loan applied for by the student is preferentially used to cover tuition and accommodation fees while in school, and the excess can be used to cover daily living expenses. Students should apply for the national student loan line according to the actual situation. (2) The term of the loan. Maximum loan term: 15 years for the remainder of the school year (up to 22 years). (3) Loan interest rate. Implement the market quotation rate LPR5Y-60 basis points (i.e. LPR5Y-0.6%) for loans with a maturity of more than five years for the same period issued by the National Interbank Funding Center authorized by the People's Bank of China. Adjusted on December 21 every year according to the latest LPR5Y.
3. Materials required for student loans and application process(1) Materials required for the first loan
1. The original ID cards of the borrowing student and the co-borrower;
2. The original admission notice (or student ID) or the online verification report of student status on the student information network;
3. Application Form for Credit Student Loan of China Development Bank, students who fail to pass the pre-application must also bring the original Form of Identification of Students with Financial Difficulties. (Students can log in to the student online system in advance https://sls.cdb.com.cn or log in to the "National Student Loan" APP to register and export the above forms, or they can go to the acceptance site to complete it with the help of the staff)
The borrower and the co-borrower must go to the acceptance point together with the above documents.
(2) Loan renewal acceptance process and loan application materials
1. Remote renewal acceptance: The student logs in to the student online system https://sls.cdb.com.cn or logs in to the "National Student Loan" APP, and signs the electronic contract online according to the system prompts.
2. On-site renewal acceptance: The borrower or co-borrower goes to the acceptance point with his or her ID card to sign the renewal contract on the spot.
4. Loan disbursement and disbursement
The contract will come into effect after the approval of the Anhui Branch of China Development Bank; After the contract comes into effect, the Anhui Branch of China Development Bank will allocate the student loan to the personal account of the student through a third-party payment platform according to the loan amount of the contract. The third-party payment platform will transfer the corresponding loan funds to the account of the borrowing student's school according to the amount of outstanding fees on the receipt, and use it to pay tuition and accommodation fees; The remaining part of the loan funds will be kept in the borrower's personal account on the third-party payment platform. (Before 2022, the third-party payment platform was Alipay, and in 2022 and later, the third-party payment platform was changed to China Merchants Bank)
5. Loan processing time
Centralized processing time: July 15 to September 20, 2024 (8:00-11:30 a.m., 2:30-5:30 p.m.).
6. Reception points and contact information
Acceptance location: Funan County Student Financial Aid Management Center (the first floor of the backyard financial aid management center of the County Education Bureau) and designated school acceptance points. (Students can choose the nearest reception point for processing)
Contact information of each reception point:
Funding Center: Office 0558-6722426
Teacher Yang 18005683737
Funan No. 1 Middle School: Teacher Sun 13485584177
Teacher Lu 13675583010 Teacher Song 15720585237
Funan No. 2 Middle School: Teacher Nie 13470762839
Funan No. 3 Middle School: Teacher Liu 15055564170
Funan Experimental Middle School: Teacher Zhang 13966551949
Teacher Liu 13865874068
Funan Zhonggang Middle School: Teacher Liu 13956797041
Funan Family School: Teacher Jiang 15905582402
Tips
1. Loan students who have passed the post-secondary education, master's and doctoral examinations and have been officially admitted or suspended, withdrawn from school, or joined the army, please go to the Funan County Student Financial Aid Management Center in time to change the school information. Students who have not completed the procedures for changing their enrollment information will not be able to renew their loans, and will need to repay the interest during their studies.
2. Our county has fully implemented the electronic loan contract, and there is no need to provide any copies of documents, nor does it need any unit to issue proof of family financial difficulties.
3. The information and documents provided by the borrower must be true, legal and valid, and the contract must be signed and legible.
4. When the borrower reports to the university, he should remind the university funding department to enter the electronic receipt of the contract in time. If a university fails to enter the receipt in the student loan information management system of the China Development Bank on time, it shall be deemed that the borrowing student has withdrawn the application for the credit student loan of the China Development Bank in the current year.
5. The borrower shall carefully read the text of the contract and earnestly fulfill the obligations of the borrower. In case of overdue, in accordance with relevant national laws and regulations, the borrower's personal information and borrower's loan default information will be entered into the personal credit reporting system of the People's Bank of China, which is networked nationwide, and the relevant bad records will be retained for 5 years after the overdue loan is settled. In order to successfully find employment, consume, apply for credit cards, and apply for housing and car loans in the future, please cherish your personal reputation and repay the loan in full and in a timely manner.
Source: Funan County Education Bureau
