Fill in the Beijing bank loan agreement

1The student financial assistance center to apply for loans, students fill out the "national student loan agreement" and the relevant formalities.

2,Fill out the "loan agreement"Time and place

(1Fuchengmen Road Campus):9Month27Day9:00In the eastern auditorium.

(2Liangxiang campus):9Month27Day14:00In the academic exchange centerAAuditorium.

3Requirements: college, organization, orderly admission, with a pencil.

Submit loan materials

1Students fill in the loan agreement, according to the requirements in the9Month29On the day of all materials department.

2Financial aid to students, faculty, Center for collective review loan materials.

3The student financial assistance center, responsible for the loan data statistics, report to the Beijing city center, the National Student Loan Bank of Beijing.

Credit standards and loan way

Lending standards: each6000Yuan, one-time delimit school special account by the bank. The school according to the students tuition and fees and acceptance check, or through student fees card fees balance, or the balance of loans into students "future card".

The term of the loan and loan interest calculation method

1Various types of loans, students during the school year to apply for loans, to its normal school graduation year6Month20Recently by the national treasury100%Discount,6Month21The day after the borne by the individual student loan interest.

2To apply for loans, undergraduate, graduate obtain double degree, graduate, can apply to school sponsored centers in undergraduate graduation, request the government100%Study on the discount to its dual degree, students graduated from the normal school year6Month20Day,6Month21Days later by the personal burden of students.

3Various types of loans, the students during the school year loan, according to personal circumstances early repayment. Loans for a maximum period of later stage of normal school graduation to apply for loans for six years to pay off the. (example: undergraduate school to apply for the loan, the loan principal repayment date because it not to obtain double degree, postgraduate and extend, still its undergraduate normal school six years to pay off.)

4The national student loan interest rates, according to the people's Bank of China loan interest and national interest rate policy.The interest rate for loans0.19%/Day. Interest calculation formula is: Quarterly loan interest=The principal of the loan interest rate loan, the quarter * * the actual number of days. 

Interest on loans, repayment of principal repayment

1, encourage student loans early repayment of the loan principal.

2, the repayment of the loan interest: before the loans after graduation the students to the principal of the loan maturity, in the quarter is not3,6,9,12Month20Days before the loan interest paid into loans to students at the Bank of Beijing Fu Yu branch bank card to ensure the balance of bank card to repay the interest of not less than one yuan of money.

3, repay the loan principal: Principal must be before the due date, the loan principal deposit loan students at the Bank of Beijing Fu Yu branch "future card". If the loan students working in the field, through the local banks will loan repayment to the students at the Bank of Beijing Fu Yu branch opened "the next card". Student loans must ensure that "the future card" in the balance after the repayment of money not less than one yuan of money.

4, to repay the principal amount of deposit, will immediately call repaymentNotify the Bank of Beijing Fu Yu branchThe next day, you can go to Fu Yu branch to retrieve the repayment vouchers. Contact telephone number:51817111. Fu Yu branch address: Hangtianqiao southwest side of space medicine building a layer of.

5Repayment of the loan principal and interest, the "card" to the "future card" consistent with the loan application and the release of the future, if the card is lost, should immediately report required and promptly notify the bank credit to the Department of corrections. Otherwise it may cause student loan default.

6The graduates, loans, repayment shall sign the "confirmation" and "credit guarantee" (three copies, one copy, a copy to me, a load of my files). Meet the graduation requirement for student loans, the school to graduate, degree certificate copy "". Student loans to repay the loan principal repayment period, can aid center bank repayment vouchers to students to receive the original certificate "". Then by payment vouchers and original certificate "" the work units and personnel departments to withdraw from its archives "credit guarantee".

The default for

At present, "the national personal credit rating system" has been implemented nationwide network in banks and other financial institutions, such as the student loan default, the bad records will be retained in the "personal credit system"7Years. The bank has the right to the "personal credit system" and related media release default information, personal credit problems resulting from breach of contract for students. In addition, bank loans will be recovered through legal procedures, because the student loan default all economic losses caused to the lending bank.