Students forget to repay the principal and interest of the student loan, and the bank will report the overdue situation to the People's Bank of China. It is suggested to contact the bank immediately to explain the situation, otherwise it will have a great negative impact on buying a house and car in the future. 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. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
Two, the National Development Bank student loan information network overdue how to repay the loan?
When the overdue payment is found, the due payment will be deducted from the account, and then the second deduction will be made from the entrusted bank. If necessary, you can call China Development Bank to explain the situation and apply for a second deduction.
Overdue consequences:
1. According to the actual overdue amount and overdue days, the penalty interest rate is130% of the normal loan interest rate;
2. Banks have the right to publish students' default information in the news media and online according to the contract;
3. Default information and borrower information are loaded, which directly affects personal credit (car loan, mortgage loan, etc. ).
Three, the National Development Bank student loan information network overdue how to repay the loan?
If overdue repayment is found, it should be immediately deposited into the student loan deduction account, and then deducted from the entrusted bank for the second time. If necessary, you can call China Development Bank to explain the situation and apply for a second deduction.
Overdue consequences:
1. According to the actual overdue amount and overdue days, the penalty interest rate is130% of the normal loan interest rate;
2. Banks have the right to publish students' default information in the news media and online according to the contract;
3. Default information and borrower information are loaded into the personal credit information system of the People's Bank of China, which directly affects personal credit (car loans, mortgages, etc.). ).
4. Is CDB's aid loan overdue?
You missed the repayment date, and you will pay it back soon. If you miss the repayment date of the student loan, you should pay off the arrears in time and pay the penalty interest, and then repay the loan on schedule every month, keep a good credit record, and minimize the negative impact of overdue, because the credit inquiry at the student loans overdue meeting will affect the future loan application. Repayment operation Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows: (1) Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment in 2006-2008 school year is the school code student ID number, and the password is the eighth birthday; The login name and password for prepayment of online loans after 200 years are the login name and password when students apply for loans); (2) Click "prepayment application" on the left to enter the prepayment application summary information page; (3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment addition page; (4) Select a loan contract record and click OK to save the prepayment application information. (5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in. There are 1 questions. How to repay the student loan? Alipay will inform you to recharge your Alipay account five days in advance according to the deduction date stipulated by CDB. Before the repayment date, you need to recharge the funds to your Alipay account, and the Alipay system will deduct the corresponding funds from your Alipay account on the deduction date and transfer them to China Development Bank! 2. Do I need authentication to repay the student loan with Alipay account? The repayment of student loan has nothing to do with whether Alipay account is certified or not. Just recharge the funds to your Alipay account before the repayment date specified by CDB. However, for the safety of your funds, I suggest you authenticate your Alipay account. 3. How can I determine whether my student loan has been successfully repaid? You can log in to Alipay-Transaction Records-Revenue and Expenditure Details.