Will the withdrawal be sent to the lender?

Will * * * notify the same lender by SMS after the student-origin student loan is successful?

No, there will be a short message after the repayment of the national student loan is successful. After the repayment of the national student loan is successful, the bank will send a short message notification according to the mobile phone number reserved by the lender in the bank.

The borrower of student-origin student loan must be registered in the same county as you. Parents are of course the first choice. If there are special circumstances, they must be immediate family members under the age of 70.

Repayment procedures for student loans:

1. Get the repayment application form from the student loan center and fill it out clearly.

The place of origin will give you a card number, and you can pay at the designated bank.

3. How much is the monthly regulation?

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First, the national student loan repayment matters needing attention:

1. The period of student loans is ten years, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation.

2. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

3. If it is maliciously overdue, you can explain to the bank and cancel your personal bad credit record. Don't be discouraged if there is indeed negative information in the credit report. National student loan.

4. Bad credit record information will be deleted from the credit report after a certain number of years. Moreover, as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.

Two, the national student loan students have one of the following acts, the bank can stop issuing loans and pay off the loan principal.

1. Failing to use the loan for the purposes stipulated in the contract.

2, there are violations of law and discipline, by the school administrative punishment or criminal punishment of the relevant departments.

3. Drop out of school, expel from school or cancel school.

4, poor academic performance, unable to complete their studies.

5. Study abroad or settle down.

6, was declared missing, dead, lost full capacity for civil conduct or ability to work.

* * * Will the borrower also receive a reminder message?

I won't. But you must take the initiative to repay the loan. If you don't take the initiative to repay the loan, you will definitely send a text message to the borrower.

If you renew the loan, the borrower will know, because this is a loan made by two borrowers, and the other party will receive the news of your loan. If there is a short message with a verification code, it means that your loan renewal application has been successfully accepted.

1.*** The same borrower is common in bank loan business. The most typical example is that in the housing mortgage loan, both husband and wife or the same buyer of the house apply for a loan from the bank as the same borrower. The relevant personal loan system clearly stipulates that the same borrower can be the owner of the purchased house or other natural persons who meet the loan conditions. In practical work, the * * * owner of the house as a * * * borrower is easy to understand and grasp because of the similarity between the * * * owner and the * * * borrower. However, for other natural persons who are borrowers of * * *, the inconsistency between other natural persons and borrowers of * * * often involves many factors, such as motivation, background, complicated social and legal relations and asymmetric information, so there are many uncertainties. Therefore, it is necessary to strengthen the prevention of risks arising from such borrowers.

2. On the contrary, China's General Principles of Civil Law has clear legal provisions on the same borrower model in general. Article 84 of the General Principles of Civil Law stipulates that "debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the provisions of the contract or the law. " Article 87 of the General Principles of Civil Law stipulates that "if there are more than two creditors or debtors, each creditor with joint rights has the right to require the debtor to perform his obligations in accordance with the provisions of the law or the agreement of the parties; Every debtor with joint and several debts has the obligation to pay off all debts, and the person who has fulfilled his obligations has the right to ask other people with joint and several debts to pay his share. " In the loan contract, both the parent company and the subsidiary company are borrowers, so there is a relationship of rights and obligations between the bank and the parent company and the subsidiary company. The bank is the creditor and the parent company and the subsidiary company are the debtors. Therefore, it can be concluded that, on the whole, the * * * borrower model conforms to the provisions of the General Principles of Civil Law of China.

3. In addition, the General Rules for Loans of the People's Bank of China itself does not stipulate the number of borrowers, that is, the General Rules for Loans does not prohibit the existence of more than two borrowers in the same loan, so generally speaking, the "* * * same borrower" model in bank loan business is not prohibited by Chinese laws.

Will the student loan and the borrower receive SMS notification?

No, I won't send a text message to the borrower of * * when the student loan is repaid. I will send it after the deadline, but it must be based on my own initiative to repay. If I don't take the initiative to repay, I will definitely send a text message to the borrower of * * *. In fact, the establishment of student loans is to serve more ordinary college students, because these students make such decisions out of poverty when borrowing money. You must take the initiative to repay the loan in time.

1. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.

2. Legal responsibility: Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.

3. 1999, the national student loan pilot project was officially launched in 8 cities including Beijing, Shanghai, Tianjin, Chongqing, Han, Shenyang, An and Ning.

4. In February and August 2000, the state made two adjustments to this policy, expanding the loan scope to colleges and universities nationwide, expanding the undertaking banks to four wholly state-owned commercial banks of industry, agriculture, China and China Construction, and expanding the loan targets to graduate students and full-time students studying for double degrees, and changing the guaranteed loans into credit loans.

5. In the second half of 2003, the national student loan declined, which was in danger of stopping. The Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission have carried out major reforms on the national student loan policy and mechanism, and established new policies and mechanisms with the risk compensation mechanism as the core.

6. On June 28th, 2004, after the promulgation and implementation of the new mechanism, the student loan interest of the loan was extended from the financial subsidy and repayment period to six years after graduation.

7. The national student loan compensation mechanism, which was initially launched in September 2006, laid a good foundation for improving the financial aid system for students from poor families in colleges and universities with national student loans as the main body.

On August 2002 1 September1day, the executive meeting of the State Council decided to strengthen the support of national student loans. The meeting decided to improve the national student loan policy and increase the amount of national student loan. First, the loan amount will be increased from the fall semester. The maximum annual loan amount for undergraduates will be raised from 8,000 yuan to1.20 thousand yuan, and for postgraduates from1.20 thousand yuan to1.60 thousand yuan. The financial department will fully subsidize the loan interest of students during their school days. Second, the financial department continues to give a certain proportion of risk compensation to the student loan undertaking banks, and reasonably reduce the compensation ratio. Third, guide students to be diligent and thrifty, apply what they have learned, enhance their employability and serve the country and society. Schools should also strive to provide more work-study opportunities for students.

On 9.2021September 14, the State Council held a routine briefing on the State Council policy. Owen Han, Assistant Minister of Finance, said that according to the notice, the annual loan amount of full-time college students was increased from no more than 8,000 yuan to no more than 1.2 million yuan. The number of full-time graduate students increased from no more than 1.2 million yuan to no more than 1.6 million yuan.