What s the reason why the renewal loan of the source has not been approved?

Students who have completed the college entrance examination have now received their own notices one after another, and they are also full of expectations for what kind of state their university will be. Because I have worked hard for so long, in order to hope that I can go to a good university, even if it is not my ideal university, but many people are still looking forward to the university they are admitted to, because for them in the early stage, they naturally hope that their university can meet their imagination, but some families are not worried about this, because some families are not so good in economic conditions, so they will be particularly concerned about their children's tuition fees at this time. Come, for the emergence of national student loans, to a certain extent, for them to solve this problem.

1.It may be that the local audit has not yet started. <>

Maybe the first loan should not have this problem, but for the renewal of the loan will not be particularly problematic, it may be because your application has been in a state of pending review, at this time do not worry, because you must first know whether your local has begun to review, if this time has not passed, you can also ask the relevant teachers, because there are some places where the review is relatively slow, due to the local review is relatively fast, Naturally, most of them have already begun to be reviewed, after all, a lot of students are already starting to apply for loans, so it is normal for you to be anxious as a party at this time, but you must calm down and find a correct solution.

2.If you don't reply after waiting for a long time, you can go to the relevant department to report it. <>

For my own place, the loan has basically been approved, and I have also received a receipt code, as long as I go to school now, I can go to school normally. And for some areas may not have received some replies at this time, or some people have not received the receipt code, so his heart will be very anxious, at this time we can ask the teacher in the group to reflect this matter to him, because the review may not have started, but it may also be because yours was missed, but the possibility of such a situation is relatively small, if you are really anxious, you can also go to the relevant departments to handle, because you can transfer him to offline processing, This will also allow you to handle it relatively quickly, and you don't have to worry about this one thing. <>

Applying for a loan is not a troublesome thing, as long as we pay attention to some small details at all times, it is very simple to bring the relevant documents to apply for a loan.

It may be because the information is not perfect, or there are other loan problems in the middle, which needs to be checked to find out the cause.

It is very likely that the school has not opened it or there is an abnormality in its own information, or it has not submitted an application and has not been approved.

It may be that there is a problem with your creditworthiness, and if this happens, you should contact the staff in time, ask about the situation, and then find a way to solve it.

As a preferential policy of the state, the student credit student loan is very affordable. Because this student loan does not generate interest while students are in school, it is also very friendly to students, and they can successfully complete their studies. When many students apply for the renewal of student loans, they keep showing that they are pending review, how to pass the review?

1. What should I do to get the review approved?

2. Application conditions for student credit student loans.

Here is an explanation of the process of renewing a student loan and how to pass the review, in fact, there are many new students who do not know about the student loan, are not familiar with it, and do not know what its application requirements are. In fact, it is very simple to apply for a student loan in the place of origin, if you are a freshman who entered the university that year, you have been admitted to the university and have an admission letter from the university. Then the family is poor, and you can go to the local area to issue a poverty certificate.

The last condition is that your account must be local, if it is not local, you cannot apply for a student loan.

3. Summary. SoIf your family is poor, you can apply for this loan to help you complete your studies, and you can pay off the loan after graduation. The renewal process in the second year is also relatively simple, you can operate according to the description, and you can complete the renewal quickly.

Generally, it will pass the audit within a month, if it has not been reviewed, it may be that your conditions are not up to standard, or it may have been queuing. You can go to your local school bureau and ask about it.

Generally, it is to log in to the ** system of student loans, and there will be a personal account login on it, and you can see whether it has been approved.

It may be that the procedures are not particularly complete, or that you do not meet the corresponding conditions for application at all, or that there are some problems in the employer's system, so there has been no approval.

If you don't approve it within a month, it means that your approval has not passed, and if you approve it within a month, it will be approved.

It may be that there are some problems in the organization, or there are some problems in the system, or it may be that the personal information is not perfect.

Can I stop renewing a student loan halfway through?

03.The amount and duration of student loans are not mandatory. Every student who takes out a loan is a student who has signed the relevant requirements.

Not everyone can take out a student loan. This loan does not charge any interest while you are in school, so it is not a mandatory lender and does not automatically take out loans for students. Each student can take out a loan according to their specific needs for tuition.

If you still need a loan in the second year, you only need to pay attention to the student loan documents issued by the school and follow the operation. If you don't need to renew the loan, you don't need to do any handling and operation.

We can pay off all the previous loans and turn off the system, and the student loans are also very good.

You don't have to handle the relevant business, you can wait until you graduate from college to repay the money, and you should pay interest if you have interest.

Quite simply, you just don't need to continue your application, and not continuing to apply means that you will give up the loan.

Yes, as long as you don't submit renewal information. But pay attention to repayment on time, there are several repayment methods for national student loans for college students:

1) Before graduation, students should pay off in one lump sum or in installments;

2) After graduation, the student's work unit will repay all the loans to the department that issued the loan at one time;

3) After the expiration of the probationary period, the unit will deduct it from the salary of the graduate within two to five years;

4) The employer where the graduates work may decide to reduce or exempt the loan advance according to their work performance;

5) For students who take out loans, if they are expelled from school, ordered to withdraw from school, or students withdraw from school voluntarily due to violating national laws and school discipline, the parents of the students shall be responsible for repaying all the loans.

If the renewal statement of the student loan application is not approved, it is likely that the content in the statement is wrong or inconsistent with the real situation. Therefore, students must check the accuracy and timeliness of the content when filling out the renewal statement.

After the rejection, the student can contact the relevant teacher in charge of the school to inquire about the specific situation, if only the content of the statement is wrong, and the student is still within the application time for the renewal of the student loan, the student can quickly fill in the correct renewal statement and apply again. If you have already missed the renewal time, or if you have been rejected by the China Development Bank, you will have to wait until next year to try to apply. However, student loans are not difficult to get, generally as long as the family is financially disadvantaged and the student has a good reputation, providing complete personal identity information, student status certificate, and poverty certificate, it is usually possible to do it smoothly.

However, if the student's family is not poor, or the student's reputation is not good, and there are violations of law and discipline, then the student loan cannot be obtained.

At present, it is necessary to have a co-borrower to apply for a student loan, and the co-borrower is generally a parent. In the case of the parents' loss of working capacity or civil capacity, other immediate family members can be invited as co-borrowers. Immediate family members must be between the ages of 25 and 60.

If the loan is not approved at the time of renewal, it is likely that the co-borrower is over 60 years old. In this case, you need to replace a co-borrower under the age of 60.

You can consult some people who have passed the application how they wrote this statement, and then revise it, so that the approval rate may be a little higher.

It must be because there is a problem with some of the details in it, so it has not been passed, at this time, you can contact the staff, see the specific reason, and submit it after the modification.

In this case, you can consult customer service, or report to the school, so that the problem can be solved.

If you get a successful loan in the first year but fail in the second year, then the second year loan can also be regarded as the first loan, because you have not had a contractual relationship with the bank before this, and the second year loan situation is not necessarily related to the first year loan.

Loan amount, term, interest rate:

1) Loan amount.

The upper limit of the national student loan is raised to 12,000 yuan for undergraduate students and preparatory students, and 16,000 yuan for graduate students, which is an integer between 1,000 and 12,000 (16,000), which is used for tuition and accommodation fees during the student's time in school. Students who are currently enrolled in colleges and universities and have received national student loans in colleges and universities in the current year must not apply for credit student loans from their place of origin at the same time.

2) Loan term.

The term of the loan is 15 years plus a maximum of 22 years. The grace period is 5 years.

Note: The policy will be implemented in 2020, and the grace period for repayment of principal will be 5 years for new contracts in 2020; For existing contracts before 2020, student loan contracts that have not started to repay the principal (i.e., loans where the student has not graduated or have graduated but have not started to repay the principal) can be applied by the borrowing student to extend the grace period to 5 years within the loan term agreed in the original contract through a change in the repayment plan.

3) Loan interest rate.

Interest Rate: The benchmark interest rate for RMB loans announced by the People's Bank of China at the time of loan disbursement shall be adjusted once a year from December 21 from the date of loan disbursement, and the adjusted interest rate shall be the benchmark interest rate for loans of the same grade for the same period announced by the People's Bank of China on the date of adjustment.

The interest on the student loan is calculated on an annual basis, and the repayment date is December 20 of each year. The interest of the student during the school period is fully subsidized by the financial department, and the interest after graduation is jointly borne by the student and the parent (or other legal guardian).

4) Interest discount policy.

According to the relevant regulations of the state on student loans, in principle, the interest on student loans will be fully discounted by the government during the normal period of students' schooling. The interest on the loan after graduation is borne by the borrower.

1 Interest. The interest of the loan students during the school period is all subsidized by the government, among which, the students who are admitted to the first subordinate colleges and universities will be responsible for the loan interest by the first finance. For students who are admitted to local colleges and universities and study across provinces, the loan interest discount shall be borne by the ** finance; For those studying in this province, the loan interest discount shall be borne by the local finance.

The interest of the loan student after graduation shall be borne by the student and his or her parents (or other legal guardians).

2 Risk Compensation. Establish a special fund for risk compensation for student credit student loans, and the proportion of risk compensation shall be determined at 15% of the loan amount incurred in the current year.

3. Management of interest discount and risk compensation. ** and local interest discounts and risk compensation are collected by the National Student Financial Aid Management Center and the provincial student financial aid management centers respectively. Before December 20 of each year, the bank that carries out the credit student loan in the source of the student shall be allocated in full and in a timely manner, and the handling bank shall implement special account management, which will be mainly used to make up for the loss of loan default and other expenses that are conducive to preventing risks and strengthening management.

A second-year loan is also a first-time loan because you have not had a contractual relationship with the bank before! I was very troublesome when I handled it, although the first loan was successful, but it was also taken in the second year, and the year should have no effect.

Procedures required for loan renewal: If the borrower and the co-borrower are present at the same time, the original ID card and valid ID card of the borrower, the ID card and the original household registration book of the co-borrower must be provided; If the borrower is handling alone, the original student ID card, the original valid ID card, and a copy of the valid ID card and household registration book of the co-borrower must be provided; If only the co-borrower is present for the application, the original valid ID card of the co-borrower, a copy of the ID card of the borrowing student and a copy of the classmate's ID card must be provided.