What are the repayment rules of student-origin student loans? How to repay? I have compiled the relevant contents below for your reference. Let's have a look!
How to pay back the student loan?
(1) Normal repayment
Under normal circumstances, students should repay the interest on an annual basis from September 1 day of the graduation year, and begin to repay the principal and interest two years later. The normal repayment deduction date of China Development Bank is February 20, 65438.
Please log in to the Student System of Student Source Loan of China Development Bank after June 20, 2008 +065438+ to check the principal and interest to be repaid this year, and deposit the money into the corresponding loan account before June 65438+February 20, 2008, and the bank will automatically deduct the money.
If Alipay is used for repayment, Alipay will send a repayment notice to the borrowing students by SMS and email five days before the repayment date. If the mobile phone number and email address are changed, please log in to the student loan system of China Development Bank in time to make changes.
(2) Advance payment
1 to 10 can apply for prepayment every month, and all outstanding debts of a contract must be paid off in one lump sum.
Borrowing students must apply for a new student-origin student loan in the student system 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.
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 feed back the loan students by SMS, email, etc.
Students can log on to the online system to check the results of prepayment. If the current advance payment fails, the next advance payment needs to be resubmitted within the specified time.
What are the repayment methods of student loans?
There are three repayment methods:
1, Alipay repays
When making repayment, the borrower must deposit the repayment amount in full into the Alipay account agreed in the contract five days in advance, and the system will automatically deduct the payment.
2. Bank account repayment
If when you apply for a loan, it is agreed to repay the loan through a bank account, then you need to deposit the repayment amount in full into the account five days in advance.
3. pos repayment
At present, some cities have opened pos machines to repay loans. Borrowing students or parents can easily repay their loans without charge as long as they hold a bank card and swipe their cards on the pos machine with the logo of "China Development Bank" printed on the student qualification management center where their household registration is located.
How to repay student loans
Details are as follows:
1, Alipay repayment: Students can log in to the online service system for college students' loans opened and closed by the state, then carry out Alipay real-name authentication, bind personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval, loan maturity reminder SMS and other functions), and determine the amount that Alipay has credited to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time.
2. Bank repayment: The borrower needs to bring all the materials for handling the student loan, as well as his ID card and bank card. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.
Extended data
Matters needing attention in loan:
1. In order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student loan contracts should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time; When renewing the loan and signing the contract, the borrower or the borrower can handle it with the power of attorney. From 20 1 1, the terms of the new version of the student loan contract stipulate that the borrower and the borrower authorize each other by default, and there is no need to sign the remaining power of attorney to change to the state.
2. Borrowing students are required to start repaying student loans after graduation. Student-origin student loans are repaid through Alipay account. It should be noted that the normal repayment date of student-origin student loans is before 65438+February 20, and the repayment date of the last year is before September 20. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month.
3. The repayment person needs to register his real-name Alipay account, log in to the student online service system to inquire about the repayment plan, and then deposit the repayment amount in full into the Junna Alipay related account before 65438+February 65438+May 5, and log in to the student online service system on February 30, 65438 to inquire about his repayment situation.
What are the repayment methods of student-origin student loans? There is a more popular method!
In real life, there are still many people who need to repay the student loans they owe during their college years. Some friends are repaying loans for the first time, and I don't know what repayment methods are available for students' loans. Today, I will introduce you to the detailed methods to avoid overdue repayment.
There are two main repayment methods of student-origin student loans, one is direct repayment by Alipay, and the other is repayment by bank card. You can deposit the repayment amount into the corresponding account on February 20th, 65438 every year. In addition, you can also repay manually through Alipay.
Alipay manual repayment method:
1. 12 On February 20th, log in to Alipay account via mobile phone or computer;
2. After entering the Alipay account, check the repayment information with your ID number;
3. After finding the loan that should be repaid in that year, you can go directly to the Alipay cashier to repay it.
Paying back student loans with Alipay is becoming the mainstream. It is suggested that friends who have not yet opened Alipay repayment should open Alipay accounts for student-origin student loans as soon as possible.
Alipay account opening method:
1, enter the student loan system of "Student Loan Information Network of China Development Bank";
2. Find "Personal Account Change" and click "Add" to open the Alipay account of the student loan.
Generally speaking, everyone can repay students' loans through banks and Alipay.
How to pay back the student loan?
There are two repayment methods for student loans: Alipay repayment and bank repayment.
Details are as follows:
1) Alipay Repayment: Students can log in to the online service system of China Development Bank's college student loan, and then carry out Alipay real-name authentication, and bind personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan expiration reminder SMS, etc. ), and determine the amount of Alipay credited to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time. The steps are as follows:
1. First, log on to the website of China Development Bank.
2. Transfer the money to Alipay, the amount is slightly higher than the due amount! Then log in to the computer version of Alipay, you must log in to the computer (you can't operate it on your mobile phone).
3. Then on the Alipay homepage, click "Application Center" in the upper right corner, and then click "Life Service".
4. Then drop down the slider on the right side of the webpage, find "public welfare education", find "student loan repayment" under public welfare loans, and then click "I want to use it"
5. Then click "I want to repay" on the student loan repayment page.
6. Enter the verification code in the entered interface, and then click "Query Loan Information".
7. Then enter the repayment information interface, and you can see the payable amount. Click "Confirm Repayment" at this time.
8. Enter the payment password of Alipay, and the repayment is successful, and the success interface will pop up. Operating environment:
Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition
System version: Windows 1 1
Browser: Google chrome browser
Browser version: 87.0.4280.88
2) Bank repayment: The borrower needs to bring all the materials for handling the student loan, as well as his ID card and bank card. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.
Extended data:
I. Student-origin student loan
At present, the student-origin credit loan contract signed by China Development Bank and students does not clearly stipulate the time when the funds will be transferred to the student account. However, according to the application process of student-origin student loan, it should be about 1 1. However, the arrival time of the money does not affect students' enrollment, and they only need to explain the situation to the school when registering.
Second, the national student loan
If it is a student loan applied for this academic year, it will be signed with the borrower after being audited by the school and the loan bank. After the contract is signed, the loan will be released in about 20 working days, and the time is about165438+1mid-October.
If you apply for a student loan every academic year, the loan bank will transfer the loan amount to the Alipay account of the loan student year by year. In the second year, there is no need to reapply, and the review is much simpler. The main concern is students' school performance and exam results, so they will receive a loan amount in the middle of 10.
Third, the student loan application process
Student loans are mainly aimed at undergraduates, master students and second bachelor students with financial difficulties. After school starts in September every year, you can apply. The specific process is as follows:
1. Prepare loan-related materials, including but not limited to student ID card, ID card, proof of family financial difficulties and other materials.
2. China Development Bank student loan information online registration personal information, and then enter the "loan application" module, click "export loan application form".
3. Fill out the application form and go to the village committee or the township civil affairs department to stamp it.
4. Submit the application form and confirm the loan amount. In principle, the loan amount per person per year does not exceed 6,000 yuan, which is mainly used for tuition and accommodation.
5. The school will review the loan student information, seal it after confirmation, and the lender will conduct the final review.
6, after the success of the audit, the loan.
How to repay the student loan after graduation?
There are two ways to repay student loans:
1, Alipay repays.
Students can log on to the online service system of student loans in colleges and universities of China Development Bank, and then carry out Alipay real-name authentication, and bind their personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan maturity reminder SMS, etc.). ) and determine the amount paid by Alipay to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time.
2. Bank repayment.
Borrowers need to bring all materials for student loans, as well as their ID cards and bank cards. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.
(1) Loan amount
The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1000 and 8,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
(2) loan term
In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of the education system) plus 10 years, and the longest period shall not exceed 14 years. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract.
There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to study for higher degrees (including graduate students and second bachelor's degrees) will shorten the period of repayment of principal and interest after graduation.
(3) Loan interest rate
The benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
How to repay the national student loan?
There are several repayment methods for national student loans: 1, and normal repayment. The borrower logs into CDB's student financial aid system and connects optical fiber to stabilize his Alipay. According to the contract, the repayment amount will be recharged to Alipay account five days before the repayment date, and the system will automatically deduct the money. After the deduction, the borrower can log in to the student online service system to check whether the repayment is successful. 2. prepayment: this method requires the borrower to apply.
My opinion on student loan management
Article 1 Improve the measures for the administration of national student loans.
Second, further develop general commercial student loans.
(1) All financial institutions should actively offer general commercial student loans, including credit student loans and guaranteed student loans under the guidance of the principle of good faith. It is necessary to effectively improve the quality of service, improve work efficiency, sum up experience in time, and improve the management system; Rural credit cooperatives should also give full play to their own advantages and issue guaranteed student loans and credit student loans to students or parents in the places where students' families are located.
(2) Credit student loans are generally distributed to college students who have reached the age of 18, and guaranteed student loans are generally distributed to the immediate family members or legal guardians of students who receive non-compulsory education.
(three) to grant credit loans to college students, the school where the students are located must provide loan referees and witnesses.
1. Financial institutions and schools should sign a bank-school agreement, clearly defining the obligations and responsibilities in accepting student loan applications, investigating and approving, deregulating, and establishing borrowers' credit files. Schools should actively cooperate with the issuance and management of student loans. After the borrower transfers school, the student loan should be handed over to the new school as one of the contents of the student file. After graduation, the borrower shall notify the loan financial institution of his whereabouts.