The sooner you pay off your debts, the less affected you will be. One day overdue will not have a great impact on credit reporting. If the arrears are not paid off, the overdue situation will always be recorded in the credit report. After the user has paid off the arrears for at least five years, the overdue bad records will not be deleted by the credit information system. If the user can't repay the loan in a short time, it is recommended to actively contact the loan bank to discuss whether the repayment period can be extended or repaid by installments. Explain the specific reasons for overdue, provide information to prove that it is really unable to repay at present, and express its willingness to repay actively. The bank may agree to postpone repayment.
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The overdue nature of student loan interest is the same as that of student loan. Will be included in the personal credit information system, resulting in bad credit records, and have a positive impact on individuals applying for personal credit services such as car loans and mortgages. If the student loan interest is overdue for three consecutive times or six times in two years, the bank will be blacklisted. If the circumstances are serious, banks will disclose students' personal information through the internet, media and newspapers, which will have a certain impact on society.
The borrower must input the loan funds in full into Alipay system ten days before the due date. The system will automatically deduct the repayment date. If the funds in the account are insufficient, the account shall be deducted in the order of interest deduction first, and the rest shall be regarded as overdue, and the liquidated damages shall be paid, which is the current interest rate 130%. After 2 1 day, the system will automatically deduct money from Alipay account. If you enter the Alipay account, you will be deducted on the latest deduction date.
If the student-origin student loan fails to repay the loan principal on time as agreed in the loan contract, the default interest rate of the normal loan interest rate 130% shall be charged according to the actual overdue amount and overdue days.
It should be reminded that if the loan assistance is overdue and the loan is maliciously defaulted, the information of the defaulting students and cooperative borrowers will be loaded into the personal credit information system of the People's Bank of China. Once the bad credit record is loaded into the personal credit information system, it will directly restrict the application and use of almost all financial products related to financial institutions, such as students and cooperative borrowers' personal credit cards, house purchases and car loans.