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资助奖励

生源地信用助学贷款还款操作流程(2018年5月更新)

发布时间: 2017-05-16    通讯员:     编辑者: 黄Sir    

一、还款常识

1、宽限期内按时偿还利息。按照规定,贷款毕业学生应该从毕业当年9月1日起开始承担贷款利息,并于当年12月20日前开始偿还第一年利息,以后每年12月20日前按时偿还利息。如当年专升本、考上研究生,需于8 月1日前向县级资助中心提出展期,办理就学信息变更,申请继续攻读学位期间财政补贴利息。否则,不予继续贴息。

2、宽限期后按时偿还本息。yabo手机版在毕业2年(或3年,因宽限期政策从2015年开始调整,是2年还是3年以学生系统中实际情况为准)后的12月20日前开始第一次等额偿还本金,以后每年12月20日前按时偿还本金,贷款期限最后一年的9月20日前还清,具体时间见《借款合同》。

3、及时更新联系方式

yabo手机版(1)meinian12yue1riqian,biyexueshengzhudongyudaikuanbanlidixueshengzizhuguanlizhongxinhegaoxiaolaoshilianxiyici,tigongzijijijiatingzuixindetongxundizhihelianxidianhua,zhidaikuanhaiwanzhi。

(2)meinian12yue1riqian,denglushengyuandixinyongzhuxuedaikuanxueshengzaixianxitong,gengxingerenxiangguanxinxi,chaxunxuyaohaikuanqingkuang,zhidaikuanhaiwanzhi。

4、享受贷款代偿学生如何还贷?yabo手机版贷款学生毕业后参加了国家有关就业项目(如: 服义务兵役、参加“三支一扶”等),符合条件享受贷款补偿的,补偿资金会通过学校或项目组织单位发放到学生手中,不会直接抵扣贷款,请贷款学生按规定提前自行归还贷款利息或本金,不要因此影响自己信用记录。

5、违约后果

(1)genjushijiyuqijineheyuqitianshujishoufaxi,faxililvweizhengchangjiekuanlilvde130%;

(2)yinxingyouquananhetongguidingzaixinwenmeitihewangluoshanggongbuweiyuexueshengxinxi;

(3)weiyuexinxijigongtongjiekuanrenxinxizairurenminyinxinggerenzhengxinxitong,zhijieyingxianggerenxindai(xinyongka、chedai、fangdaideng);weiyuexinxiyidanjinruzhengxinxitong,jishilijihaikuan,weiyuexinxiyeyaobaoliu5nian。

二、如何知道自己应该还多少钱?

yabo手机版dengluwangzhi(guojiakaifayinxingshengyuandizhuxuedaikuanxueshengzaixianxitong),(ruxianshi“ciwangzhandeanquanzhengshuyouwenti”qingzhijiedianji“ jixuliulanciwangzhan”。)

yabo手机版(yi)zhengchanghaikuanchaxunshijian: 11yue21ri-12yue20ri;

(er)ruyiyouyuqilixichaxun: suishidenglu,jikechaxun。

(san)tiqianhaikuan: zaidaikuanweidaoqiqian,keyixuanzejiangyigehetongdebenjinjilixijieqinghuozheshichanghaibufenbenjin,xuanzechanghaibufenbenjin,haikuanjineyingweiyingbudiyu500yuanqiewei100yuandezhengshubei。

qinggenjuzijihaikuannenglishenqing,yidanshenqingdangyuebunengchexiao,zanshimeiyounenglitiqianhaiyigehetongbenjindexueshengbudeshenqinghaiyigehetongbenjin,fouze12yuefenxitongjiangxiankoutiqianhaikuanbenjin,zaikouzhengchanglixi,congerdaozhiwuqianhaizhengchanglixieryuqi。

shenqingshijian: 1-10yuede1-15rinei、12yuede1ri-15rinei(jichu11yueyiwaisuoyouyuefen),qingzaiguojiakaifayinxingshengyuandizhuxuedaikuanxinxixitongde“tiqianhaikuanshenqing”zhong“tijiao”tiqianhaikuanshenqing,dangyue15riqiantichushenqing,dangyue20riqianbixuanzhaotiqianhaikuanbenjinjilixicunruzhifubaohuotongguodangdixueshengzizhuguanlizhongxinguihai,fouzetiqianshenqingjiushixiao,bixuzhongxinshenqing。(ruxueshengshizaidangyue15ri-31rizhijiantijiao“tiqianhaikuanshenqing”,zezhinengdengtongyuxiayue1ri-15rishenqing,xiayueshouli)

rudangnianyingjiebiyesheng,youjingjinengliguihaiquanbudaikuanbenjin,erbuxiwangzijichengdanlixi,bixuyu8yue15riqianzaixitongneitichutiqianhaikuanshenqing,bingyu8yue20riqianjiangdaikuanquanbuhaiwan,fouzecong9yue1riqizixingchengdanlixi。

11yue1riyihoujingjitiaojianhaole,yaotiqianhaikuanchulibanfa: yaodengdao12yue1ri-15riqijian,zaixitongzhongtijiaotiqianhaikuanshenqing,ranhouzai12yue20riqianjiangyinghaikuancunruzhifubao(xitongzidongkouhua)huotongguodangdixueshengzizhuguanlizhongxinguihai。

yabo手机版xitongdengluchaxunbuzhouruxia:

1.dianjidengluwangzhi,(ruxianshi“ciwangzhandeanquanzhengshuyouwenti”qingzhijiedianji“ jixuliulanciwangzhan”)

zaiqingxuanzenindedaikuanleixingzhongxuanze“shengyuandizhuxuedaikuan”。

yabo手机版2.xuanze“shiyongshenfenzhengdenglu”huo“denglumingdenglu”。

yabo手机版3. ruguoxuanze“shiyongshenfenzhengdenglu”,shurugeren18weishushenfenzhenghaomaheshenqingdaikuanshishedingdemimadenglu。ruguoxuanze“denglumingdenglu”,shurudaikuanshenqingshishedingdedengluminghemimajikedenglu。

yabo手机版4.rudenglumimacuowu,xuanzedenglukuangxiafangde“zhaohuimima”。

fangshiyi: “genjumimatishiwentizhaohuimima”

(1)shenfenzhengyanzheng: yicitianxie“sheng”、“shi”、“xian”、“xueshengzizhuguanlizhongxin”),shurugerendaikuanshiluruxitongdeshenfenzhenghaoma,huidayuliudewentijikezhongzhimima。

yabo手机版(2)yonghumingyanzheng: zhijieshurudaikuanshizixingshedingdedengluming,huidayuliudewentijikezhongzhimima。

fangshier: “huidaxitongwentizhaohuimima”

yabo手机版(1)shenfenzhengyanzheng: yicitianxie“sheng”、“shi”、“xian”、“xueshengzizhuguanlizhongxin”,shurugerendaikuanshiluruxitongdeshenfenzhenghaoma,huidaxitongtichudesangewentijikezhongzhimima。

(2)yonghumingyanzheng: zhijieshurudaikuanshizixingshedingdedengluming,huidaxitongtichudesangewentijikezhongzhimima。

yabo手机版fangfasan: bodakaixingrexiandianhua(95593)jinxingmimazhongzhi。

5.shuruyanzhengmajikedengluxitong。

yabo手机版6.caidanlan“daikuanjiyinghaikuanchaxun”,jikechaxungaixueshengqianjiaobenxi。

三、如何还款

1.tongguozhifubao(shoujiban)haikuan,xiangxijianzhifubao(shoujiban)caozuozhinan;

yabo手机版2.tongguozhifubao(diannaoban)haikuan,xiangxijianzhifubao(diannaoban)caozuozhinan;

3.tongguoposjizaixianjizizhuzhongxinhaikuan;xiangxizixunxianjizizhuzhongxin。

四、其他注意事项

yabo手机版1、meinian11yue21rihou,suochadaodeyinghaibenxiweidangnianyingzhengchangguihaidedaikuanbenxi,qingwubiyudangnian12yue20riqianjiangyinghaibenxizuecunruhaikuanzhanghu,ruweijishicunruzuezijin,zedaikuanyuqi,cinianmeiyue20riqianjunkechanghai,danxuzhifuyuqibenjinfaxi(hetongjiekuanlilvde130%)。

2、meinian11yueweiyujiexishijian,bushoulihaikuan,zhifubaoyebunengkoukuan。

3、ruxutiqianhaikuan(tiqianguihaiyigehetongshangdaikuan),qingzaiguojiakaifayinxingshengyuandizhuxuedaikuanxinxixitongdetiqianhaikuanshenqingzhongtijiaotiqianhaikuanshenqing(tiqianhaikuanshenqingxuzai1-10yuehe12yuede1-15rineitichu,11yuebujieshoutiqianhaikuan,tiqianhaikuanxuyicixinghaiqingyigehetongxiangxiabenxizijin),ranhoucaiqushangshufangshicunruxiangyingjinejike(ruyouxuyaoqingxiazai)。

4、zhifubaozhanghaozaidaikuanshenqingbeishoulihou,luruhetongxinxishixitonghuizidongshengcheng,bingdayindaohetongshang,xueshengzaihetongshangkeyizhidaozijidezhifubaozhanghao。(2010nianhoushenqingdaikuanshengchengdezhifubaozhanghuxitongsuijishengcheng8weizimushuzizuhefenbiezuoweizhifubaodenglumima、zhifubaozhifumimayijibangdingdexinlangyouxiangdenglumimasanmatongyidayinzaidaikuanshoulizhengmingshang,dengluhouqingjishixiugai)

yabo手机版5、xian、shi、quxueshengzizhuguanlizhongxinlianxifangshi、haikuanfangshijiyouguanxiangxizhengcechaxun,kedengluhubeishengxueshengzizhuwang: http://zzpt.e21.cn/content.php?id=16232

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