Nanning started the acceptance of student-origin credit student loans in 2022.
Mashan county Student Financial Assistance Service Center staff handle loans for loan students.
Yesterday, the reporter learned from the Nanning Student Financial Assistance Management Office that in 2022, the acceptance of student-origin credit student loans in Nanning has been officially launched, and the acceptance time is from August 1 to September 30. Students with household financial difficulties who need loans in Nanning can apply for it during this period.
Under the requirements of normalized epidemic prevention and control, in order to avoid the gathering of people, this year, Nanning’s student-origin credit student loans continue to implement the mode of "appointment processing" for the first loan application and "online processing" for the renewal loan application.
Freshmen who apply for loans for the first time at Nanning Household Registration University must complete their registration on the Student Online System of China Development Bank, and make an appointment on the "Nanning Education" WeChat WeChat official account, the relevant county (city, district) Education Bureau (funding center) WeChat WeChat official account or the loan QQ group before they can go to the county-level student financial assistance management department at the place where their household registration is located with co-borrower at a specified time. Students in Nanning’s household registration renewal colleges and universities have passed the online signing process of the student loan system and passed the identity authentication. After the teacher of the county-level student financial assistance center accepts the audit, the renewal contract is signed without going to the scene.
Special reminder:
1. Recently, some self-media propagandists can go to the community to receive an education bonus of 500-3000 yuan with their admission notice and ID card. Please carefully identify the sources of information and consult with the teachers of the graduate high school and the student financial assistance department where the household registration is located. Don’t install and download SMS, MMS, email, etc. with URL links of unknown origin, keep personal and bank account information well, and don’t tell strangers the password and verification code.
2. Before and after the start of school, there is a high incidence of telecommunication and online fraud. There may be fraudsters who promise relatives, friends, teachers or other personnel to send text messages, make phone calls, add WeChat or QQ friends to freshmen to defraud money in the name of granting grants, canceling loans, winning prizes, swiping bills, refunding shopping, recommending financial management, etc., or granting internet consumer loans to lure students into the trap of high loans. Please keep your eyes open and be alert!
3. Borrowing students should establish a sense of repayment in good faith, and pay back on time according to the contract after graduation, so as to avoid affecting personal credit information due to late repayment.
Guide to Credit Student Loan for Students in Nanning in 2022
I. Loan policy
(a) the loan object
Full-time undergraduate students (including second bachelor’s degree students, higher vocational students, preparatory students) and full-time graduate students (including master’s degree students and doctoral students) whose families are in financial difficulties and their income is not enough to support the basic expenses required for students to complete their studies at school.
(2) Loan amount
Full-time college students (including students with second bachelor’s degree, higher vocational students and preparatory students): 1000 yuan ≤ The loan amount applied for by each person per year is ≤ 12,000 yuan; Full-time graduate students (including master’s and doctoral students): 1000 yuan ≤ The loan amount applied for by each person per year is ≤ 16,000 yuan. Loans are used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.
Loan Term: The longest loan term will be 15 years according to the remaining academic system, and the longest loan term will not exceed 22 years.
Loan interest and interest rate: during the school period, the interest will be fully subsidized by the government. Interest needs to be paid from the year of graduation, and only interest needs to be repaid within the grace period of 5 years. The loan interest rate will be LPR5Y-30 basis points (i.e. LPR5Y-0.3%) issued by the National Interbank Funding Center authorized by the People’s Bank of China. It will be adjusted once every December 21st according to the latest LPR5Y.
Second, the first loan processing process
(1) Online self-service application
Log in to the online student loan system (https://sls.cdb.com.cn), complete the registration, fill in the personal and co-borrower basic information, and submit the loan application. Students who have passed the pre-application, after printing and signing the Application Form, upload the loan application materials according to the system prompt; Students who have not passed the pre-application and really need to apply for student loans due to family financial difficulties need to fill out the Identification Form for Students with Family Financial Difficulties according to the actual situation, and submit it to the county-level student financial assistance center for examination and handling at the scene.
(B) WeChat WeChat official account appointment (taking "Nanning Education" WeChat official account as an example)
1. Search and follow "Nanning Education" WeChat official account on WeChat.
2. Enter "Nanning Education" WeChat WeChat official account, and click to enter "Service Hall".
3. Find the function of "Student Loan Appointment" in the "Convenience Service" section of the "Service Hall".
4. Complete the study and information filling of the items such as Health Screening Information Form, Learning Loan Policy, Question and Answer on Loan Policy, and Loan Appointment one by one (please pay attention to the correct selection of the outlets and appointment time of the county-level student financial assistance center where your account is located), and then you can complete the appointment.
5. The information about the successful appointment, the list of application materials (admission notice, ID card and household registration book of the applicant and co-borrower, etc.) and the telephone number of the county-level student financial assistance center can be inquired in the "Appointment Record".
6. If you accidentally return to the previous page after making an appointment, you can check whether the appointment was successful in the "Appointment Record" to avoid repeating the appointment.
After the appointment is successful, the borrowing students and co-borrower will bring the original ID card, the original household registration book, the original admission notice (or student ID card) or the online verification report of Xuexin. com, and the Application Form for Student Credit Loan of China Development Bank. Students who fail to apply in advance will also bring the original Identification Form for Students with Financial Difficulties to the county-level student financial assistance center where their household registration is located to sign a loan contract. Finally, report to the university with the Acceptance Certificate, and ask the teachers of the university financial aid center to enter the electronic receipt before October 10 of that year.
Special note: Students and parents who go to the site to apply for the first loan of student loans must hold a green health code, wear a mask and have their body temperature taken before entering the site.
Third, the remote loan renewal process
Students who renew their loans log on to the student online service system (https://sls.cdb.com.cn), and after confirming their personal and co-borrower information, they submit their loan renewal applications, choose the online signing method, and carry out identity authentication. After the identity authentication is successful, the remote loan application is submitted to the county-level student financial assistance center, and the borrowing students do not need to go to the site to handle it, just wait patiently for approval and acceptance. After the county-level student financial assistance center approves the acceptance, the borrower will receive a receipt verification message and can log in to the system to print the contract and the Acceptance Certificate. Students report to colleges and universities with the receipt verification SMS or the Acceptance Certificate, and ask college teachers to enter the electronic receipt before October 10 of that year.