Huaan student loans are generally issued within one month. If there is no loan for a long time, you can call for advice, so that you can know the specific reasons. Then there is the Hua 'an student loan, and the tuition fee will be paid as soon as the loan is released. The rest of the money is also one-off, so you can withdraw it directly from the bank.
Huaan Student Loan app is an online loan service software launched by Huaan Insurance Company. It is open to poor college students and helps them to obtain national student loans smoothly. In July, 2006, Huaan Student Loan Project developed by Huaan Insurance was officially launched.
The grace period for repayment of Huaan student loan after graduation is 60 months from the month of graduation, at which time only interest can be repaid every month; The grace period for students to repay loans before 2020 is 36 months from the month of graduation. Subsequent borrowers need to repay the principal and interest together, and the repayment cannot be overdue.
Hua 'an Insurance refers to Hua 'an Property Insurance Co., Ltd., which was formally established in June199665438+1October 18, and is headquartered in Shenzhen, mainly engaged in various types of property insurance, liability insurance, credit guarantee insurance, agricultural insurance, accidental injury insurance, short-term health insurance and reinsurance business.
Ii. 20 19 Heilongjiang province student loan application policy and prepayment regulations
Brief introduction to the process.
First, the Education Bureau handles bank cards of Harbin Bank in batches for borrowing students.
Two, the high school in the "loan family economic situation questionnaire" stamped with the official seal, returned to the students.
3. Borrowing students apply online.
Fourth, the data collection and audit of the subsidy center of the Education Bureau.
Verb (abbreviation of verb) Confirmation of student loan receipt.
6. The receipt of the audit by the Education Bureau Subsidy Center.
Seven, Huaan insurance withdrawal receipt summary table.
8. Harbin Bank Loan. ..
The subsidy center of the Education Bureau arranges mailing materials and IOUs.
X. Harbin bank returns the contract and the loan.
The subsidy center of the Education Bureau issues contracts and IOUs.
Twelve. Extension of student loans.
XIII. The Borrower signs a repayment agreement.
Fourteen Loan extension.
Overview:
The student-origin credit loan in Heilongjiang Province is led by the Education Department of Heilongjiang Province, and Harbin Bank and Huaan Insurance cooperate with local city and county funding centers to help college students successfully complete their studies.
The student loan obtained by the borrower at school is free of any fees, and the interest is fully subsidized by the state finance. Students only need to repay the loan principal in one lump sum before graduation. If the loan cannot be repaid after graduation, the interest will be calculated according to the benchmark interest rate stipulated by the People's Bank of China at the same time and in the same grade. The interest will not be repaid within three years, and will be repaid in installments in the fourth year and paid off in thirteen years.
Candidates in Heilongjiang can apply for student loans from students in Heilongjiang Province in the financial aid center of the Education Bureau where their household registration is located. For example, those who are admitted to provincial universities in Heilongjiang Province may continue to apply for student loans from colleges and universities due to special circumstances.
Process introduction:
1. The Education Bureau handles bank cards of Harbin Bank in batches for borrowing students-> 2. Senior high school students affix their official seals to the materials of "Questionnaire on Family Economic Status of Student Loan in Heilongjiang Province and Instructions for Student Loan Application" and return them to the students-> 3. Online application of borrowing students-> IV. Data collection and review of the financial aid center of the Education Bureau-> V. Confirmation of the receipt of borrowing students-> VI. Review of the receipt of the financial aid center of the Education Bureau-> VII. Huaan insurance collection summary table-> eight. Loans issued by Harbin Bank-> IX. Mailing materials and IOUs compiled by the Education Bureau Funding Center-> X. Contracts and IOUs returned by Harbin Bank -> XI. Grant Center of Education Bureau issues contracts and IOUs->; Twelve. Renewed students-> thirteen. Borrowing students sign repayment agreement-> 14. Loan extension
First, the Education Bureau handles bank cards of Harbin Bank in batches for borrowing students.
1, in mid-April, the education bureaus of cities and counties around the country distributed all kinds of publicity materials and campus broadcast manuscripts to senior high schools. In accordance with the relevant requirements, the education bureaus of cities and counties and senior high schools communicate the policies and processes of student-origin student loans to students and parents by holding parent-teacher conferences for graduates or by other means, and distribute paper materials of application instructions for student-origin student loans, so that students and parents can learn more about the relevant policies of national student loans.
2. The high school is responsible for collecting copies of the ID cards of students who intend to apply for student loans and preparing a detailed list of ID card information.
3. The Education Bureau, senior high schools and banks cooperate with each other to complete the card opening. The specific process is as follows:
(1) The education bureaus of various cities and counties are responsible for counting the number of high school cards opened in batches within their respective jurisdictions. The municipal education bureaus summarize and notify the number of cardholders in Harbin Bank Power Sub-branch, and the bank reserves bank cards according to the number.
(2) The municipal and county education bureaus shall collect the copies of ID cards and identity information forms collected by senior high schools within their respective jurisdictions and forward them to the Municipal Education Bureau within the specified time, which shall sort them out and forward them to Harbin Bank Power Sub-branch.
(3) The bank is responsible for issuing cards in batches and handing them over to the Municipal Education Bureau, which will distribute them to students step by step.
Two, attending high school in the "Heilongjiang province student loan family economic situation questionnaire" and "student loan application instructions" materials stamped with the official seal back to the students.
(1) The senior high school will issue the Questionnaire on the Family Economic Situation of Student Loan in Heilongjiang Province and the Instructions for Student Loan Application to every student who opens a card in batches, and inform the students to fill in the form as required, and then hand it over to the responsible teacher of the senior high school;
(2) the form is confirmed by the seal of the students attending high school;
(3) After receiving the bank card, the senior high school will send the "Heilongjiang Province Student Loan Family Economic Status Questionnaire" and the application instructions for student loans to the students together with the bank card, and inform them to keep it properly. After the letter of admission is issued, it will be used when the Education Bureau applies for a loan.
3. Borrowing students apply online.
1. Registered users
Borrowing students need to log on to the website, click "National Student Loan Application", enter the website registration page, register with their ID number and email address, and download and view the operation instructions. You need to check the certificate information carefully when registering. After successful registration, the ID number cannot be modified. If the ID number is entered incorrectly, you can only re-register.
● Registration optimization details: increase the function of repeatedly checking names and ID numbers, reduce the errors of names and ID numbers, increase the registration of mobile phone numbers, and retrieve login passwords through mobile phones. Locking function, new student application, old student loan renewal, graduate repayment confirmation, etc. And the whole process of SMS triggers the notice, so that students can know their loan situation in time. (Every link in the system will inform the borrowing students by SMS). If students change their mobile phones, they can log in to the system to modify them. If the mobile phone is invalid, they can't accept the relevant information.
Fill in the application form
Students fill in the national student loan application form online according to the requirements of the operation guide.
Submit an application form
After completing the application form, students can choose "Save" or "Submit Application". Click "Submit Application", and the system will automatically pop up a prompt box, asking students to confirm the key information again (displayed in red font), and suggesting that the application for student loan submitted through this website is regarded as the true meaning of the students, and the students will bear legal responsibility for the authenticity of the relevant information. After the submission is successful, the system will automatically pop up a prompt box to inform the students that the submission has been successful. For related information, you can log on to the website to check the registered mailbox.
After clicking "Submit Application", students cannot modify it by themselves.
Online application time: from July/kloc-0 to September 30th every year.
Website opening hours: unlimited. Students can query relevant information and data online at any time.
● Application information: increase the selection of card opening certificate type, increase the collection of micro-signals, and modify the mobile phone number as a required item.
Four, the Education Bureau funding center to collect data and audit.
(1) Collecting data
1, materials submitted by borrowing students
(1) Attachment 1: The loan contract of student-origin credit student loan of Harbin Bank is in triplicate.
(2) Appendix 2: Two application forms for student credit loan of Harbin Bank.
(3) Annex III: Two Notes on Repayment of Student-origin Credit Loan in Heilongjiang Province (Student-origin)
(4) Attachment 4: Receipt of student-origin credit loan in Heilongjiang Province (student-origin), which is issued once a year.
(5) A copy of the borrower and the borrower's ID card; (Two ID cards are copied on both sides of a piece of A4 paper)
2. Information provided by borrowing students and borrowers.
(1) The borrower and the original ID card of the borrower (at least one, except orphans);
(2) Borrowing the student's admission notice or student ID card;
(3) Questionnaire on the Family Economic Situation of Student Loan in Heilongjiang Province stamped by senior high school, Instructions for Student Loan Application or Questionnaire on the Family Economic Situation of Students in Colleges and Universities stamped and confirmed by the village committee, neighborhood committee and township (street) civil affairs department where the students are registered, certificate of minimum living guarantee for urban residents, certificate of minimum living guarantee for rural residents or other forms of proof of family economic situation.
3, the Education Bureau funding center to sort out the loan student information.
(1) Information submitted to Harbin Bank by the Funding Center of Education Bureau:
1) retained by Harbin Bank:
Copy of the loan contract of Harbin Bank's student source credit student loan (student source)
Harbin Bank Credit Student Loan Application Form (Student Origin)
Copy of Notes on Repayment of Student-origin Credit Loan in Heilongjiang Province
Copy of the borrower and the borrower's ID card (printed on a piece of paper).
Each document shall be bound with a stapler from top to bottom and in the order of application summary table.
2) Huaan Insurance:
Copy of the loan contract of Harbin Bank Credit Student Loan (student origin),
3) Harbin Bank returns the student information after stamping.
Copy 1 copy of the loan contract of Harbin Bank Credit Student Loan (student origin), bound in the order of application summary.
4) IOUs
Two copies for each student, which shall be sorted and bound in the order of application summary.
(2) Information of the Education Bureau's Funding Center:
An application form for student credit loan from Harbin Bank, sorted and filed according to the application summary table.
(3) Borrowing student information:
1) Students will save their own materials after application.
A copy of Notes on Repayment of Student Credit Loan in Heilongjiang Province;
"Receipt of student credit loan (student loan) in Heilongjiang Province" is issued annually according to the application year;
2) Information returned by the bank
Copy of the loan contract of Harbin Bank's student source credit student loan (student source)
Fourth iou
● Paper materials: The loan contract has been rearranged, with detailed information added, and the receipt format has been slightly adjusted. According to the feedback from the Education Bureau, the seal position is separated from the signature date and position, which is more clear.
(2) Audit
1. * * requirements of borrowing students and the same borrower
(1) The borrower's pre-school household registration and the borrower's household registration must be in Heilongjiang Province. If the borrower's household registration is inconsistent with the borrower's pre-school household registration, the borrower's pre-school household registration or the borrower's household registration shall prevail to apply for a loan.
(2)*** At least one borrower (except orphans) aged between 25 and 65;
(3) In principle, the borrower must be a parent. If parents can't be * * * borrowers due to special events (such as parents' divorce, death, incapacity for civil conduct, illness, incapacity for work, going out to work, etc.). ), close relatives or other natural persons who voluntarily share the repayment responsibility with the borrower can be used as * * * borrowers;
(4) If the borrower is an orphan and cannot provide * * * with the borrower, an orphan certificate may be issued, or a certificate issued by the local police station is not required.
After completing the online application and preparing the above loan application materials (paper materials and original documents), the borrowing students should submit the application materials to the local education bureau funding center in time to verify the original documents. Submit the materials no later than 10 June10.
2, data and identity audit
(1) Check whether the submitted materials and application information are accurate, whether the materials are printed on one side, and the size of A4 paper;
(2) Check the certificates and identities presented by the borrowing students and borrowers;
(3) The borrower and the borrower's ID card should be printed on a piece of paper;
(4) Accept the application materials submitted by students, and instruct students and * * to sign the application form, loan contract and repayment instructions with the borrower after thoroughly reviewing the materials and checking that each copy is consistent with the original, and affix their seals on the application form, which must be clear;
(5) Fill in the name, telephone number and seal of the person in charge of the financial aid center of the Education Bureau on the receipt of the credit student loan from Heilongjiang Province (according to the loan year, the system will be automatically configured and students can print it directly). Students can report to colleges and universities with the certificate of the current year, and the receipts of other years are used for renewal.
(6) If the application form is filled in incorrectly, the teacher of the Financial Aid Center of the Education Bureau will log on to the website and return the application information of the students to the students for revision. After the correction is correct, students can print the application form, loan contract, loan receipt, etc. And sign for confirmation.
3. Online audit
After the financial aid center of the Education Bureau verifies that the student's application materials are correct, the Education Bureau clicks "Application Passed" in the system. If the review fails, click the Reject button and select the rejection reason.
● Application review: increase the authority to review and withdraw the application of the Education Bureau to facilitate the handling of misoperation, but only withdraw it on the day when the application is passed, and the operation will be invalid on the other day.
Verb (abbreviation of verb) loan student receipt confirmation
Borrowing students bring the receipt of the credit student loan from Heilongjiang province to the university to find the teacher in charge of funding, help stamp the official seal of the university on the receipt, and then upload the receipt to the online application system to confirm the students' arrival at school.
Six, the Education Bureau funding center audit receipt
After receiving the electronic image file of the receipt submitted online, the funding center of the Education Bureau will verify it, click the receipt, and the verification will pass. If the review fails, click the Reject button and select the rejection reason.
● Review of receipt: increase the authority to review and withdraw receipt from the Education Bureau to facilitate the handling of misoperation, but it can only be withdrawn on the day of approval, otherwise the operation will be invalid.
Seven, Huaan insurance receipt summary table.
Huaan Insurance will extract the list of loans to be repaid once a day from September 1 day to1October 15, check it with the person in charge of the Education Bureau, and forward it to the Harbin Bank Loan Assistance Center after it is correct.
The table function in the system has been greatly changed, showing the application status of each student and adding the prompt and sorting function of loan success.
8. Harbin Bank Loan.
From September 1 day to1October 15, Harbin Bank will transfer the loans to the Harbin bank card signed by the borrowing students in batches according to the list of loans to be loaned.
Nine, the Education Bureau subsidy center to sort out mailing materials and IOUs.
The subsidy center of the Education Bureau will mail the materials and IOUs required by Harbin Bank to Huaan Insurance Company before 10 and 3 1.
X. Harbin Bank returned the contract
After affixing the official seal on the loan contract and IOU, Harbin Bank will mail the materials to the funding center of the Education Bureau to do a good job of docking.
Eleven, the Education Bureau funding center issued contracts, IOUs.
Distribute the contracts and IOUs returned by the bank to the borrowing students or the same borrower.
Twelve. Extension of loan to students
Borrowing students upload the receipt of the student-origin credit student loan in Heilongjiang Province stamped with the official seal of the school to the online application system every May1-July 3/0 to confirm the renewal of the loan. After Huaan Insurance took the receipt, Harbin Bank lent money from August 1 to August 3 1.
XIII. The Borrower signs a repayment agreement.
1 By June 30th of the graduation year, the borrowing students will log on to the online application system of Huaan Insurance to fill in the online repayment agreement, print a copy and submit it to the Education Bureau to learn more about the repayment rules and make good preparations for repayment.
Fourteen Loan extension
Borrowing students who continue to study for undergraduate, postgraduate and doctoral degrees can continue to apply for student loans and apply for loan extension. After the extension is successful, the student's original loan interest will continue to be paid by the state, and the repayment start date will be postponed according to the extension time.
Borrowing students who want to continue their degree extension should log in to Huaan Insurance Online Application System to print the extension application approval form and extension agreement, then submit an extension application to Harbin Bank (no later than June 30th) and sign an extension agreement with Harbin Bank. Borrowing students are required to provide the original college admission notice, ID card, extension application form, extension agreement and original loan contract for continuing degree study.
● Extension: The printing of extension materials of Huaan Student Loan System has been fully opened, and students applying for extension must print relevant extension materials on the website. Like the loan contract, when the bank handles the extension formalities, it only recognizes that the website prints the extension materials, and other forms of materials are considered invalid.
Third, can the repayment time of student loans be advanced?
1, you can apply for prepayment every month from 1 to 10 every year, and prepayment requires paying off all outstanding debts of a contract at one time.
2. Borrowing students must reapply in the Student System of Student-origin Student Loan of China Development Bank before 10 every month or apply to the teacher of the local county financial aid center, and deposit the full amount of funds into the corresponding repayment account before 15 that month. Our bank deducts money on the 20th of every month.
3. If Alipay is used for repayment, Alipay will deduct the corresponding amount from the student's personal Alipay account on the day of prepayment deduction, and feedback to the borrower through SMS, email, etc.
4. Students can log on to the online system to check the prepayment results. If the current advance payment fails, the next advance payment needs to be resubmitted within the specified time.
Fourth, the student-origin student loan has been applied for prepayment. Won't it affect the credit information when it expires?
It will affect credit. If the overdue period is not serious, the impact will not be so great. If the overdue period is too serious, it will affect future loans.
Repaying student loans:
I. Online repayment process:
Log in to the "student online system" and inquire about the personal Alipay loan special account;
Log in to Alipay website with the name of personal Alipay loan special account, and conduct personal Alipay loan special account.
Modify login password and payment password and other related operations to strengthen account security and prevent account theft;
2. Personal repayment process:
Go to the student loan center to receive the repayment application form and fill it out clearly;
Students will give one, and you can pay at the designated bank;
How much is the monthly payment? How much do you want to pay?