Dear.

   Time flies, the university four years journey is coming to an end, you are about to take the package set foot on a new journey, we express our heartfelt congratulations to you. The honest code of conduct, who believe in Guangde, warm told dear don't forget who helped you finish school student loans! Is about to graduate, we will to the relevant matters dear details of repayment of student loans.

   A two system:

    Dear, repayment can only use pay treasure, the original agricultural bank account or bank card repayment function stop.

   1．Online service system of National Development Bank college student loans (hereinafter referred to as the online systemHttps://www.csls.cdb.com.cn) you submit applications for early repayment and query loans and student loan repayment information official website. Login default to the code (10476) + ID number, the default password for the 8 birthday number. If the first login, the system will prompt to modify the password to log in. (if you forget the password can contact the student loan management department for password reset.)

   2．Pay site (Http://www.alipay.com) is the only site you repay the loan principal and interest. You can use "online system" and "home loans and repayment query" module to view your student loan "pay treasure" account, account the default password for the rest of your ID number to remove the number 6, the first time login pay treasure can modify the password. (if you forget your password please contact customer service hotline to solve the proposed pay treasure, pay treasure to associate, and mobile phone through the mobile phone so you can easily find the password. )

   Two specific Repayment:

   1Interest payments:Dear will graduate in July 1st from pay the loan interest, in conditions permit before graduation to apply for early repayment. The principal was not repaid dear can through online system "loans and repayment query" view that I should also interest amount in every year since November 20th, and in December 20th (the interest settlement date for that year in December 20th) before the full capital charge to my loan pay treasure account. The system will be in 12 month 21 day uniform is buckled, deduction can be in early log online query system. When the failed to timely payments will appear "default records". Loans each month will have interest, dear in repayment before you login to the online system to view should also interest, do not according to view the last month to pay principal and interest.

   2Early repayment:If the need for early repayment dear (before the expiration of the contract are early repayment), can be in each month (except November) 1-10 days (including 10 days) login online system to submit "apply for early repayment" and view should also principal amount, the 20 days before the funds added to your student loan (special pay treasure account 21 unified deduct). Early by "online system" (see list of loan repayment status should be "closed"). The failure of normal repayment, need next month to re submit applications for early repayment.

   3The overdue repayment:Due to various causes of interest and principal payments without the timely repayment of their dear, the need for overdue repayment, this also need not submit application. Only on the monthly 20 has sufficient amount added to your student loan pay treasure account, 21 monthly pay treasure unified deduct.

   4 loan: if you are admitted to a full-time graduate, can apply for the loan extension, extension period continues to enjoy the national finance discount. Specify the detailed Henan Normal University "sky net" student loan "shows a column for loans extended". Extension of successful loans are generally of two years students after graduation to pay off, as the national student loan is belonging to the management (i.e. where loans to where management), you graduate need loans don't forget and we loan management section!

    Liability for breach of contract three

    Dear, please cherish their credit record, if not carefully by default, you will bear the following responsibilities:

   1．Personal credit records will enter the China people's Bank "credit system", will bring a lot of inconvenience to your future work and life.

   2．The employment of university students network, diploma query website and the national student loan website will publish your list and related information.

   3．The principal overdue for more than three months and shown to be malicious arrears, will pursue you the corresponding legal responsibility.

After graduation, if change dear work units, contact details, home address and other important information, related information please login to submit the student online system, in order to facilitate the school in time of need can contact you in time. Please close close attention "sky net" student loan column, we will send the work timely upload on student loans, for your query.

   Student loan is a policy loans based on credit, if dear defaulting, will not only damage the image of the school, also to the economic difficulties but diligently studying alumni to cause adverse effects. Honesty, to cultivate one's morality; thanksgiving nature, Ze the self and others. Hope dear to attach great importance to, take the initiative to maintain contact with school, to repay the loan principal and interest. We hope the above tips can help you a helping hand, finally I wish dear growth on the road is full of positive energy!

   Advisory telephone:0373-3329375   

                                                      Henan Normal University student loan management department

                                                               2013 April