Repayment process of China Development Bank: 1. Browser: computer: macbookpro mos 14. Open google version 92.0.4515.131,log in to the online student loan system of China Development Bank, initiate an application for prepayment, log in to the website, and enter the account password.

1. Repayment steps: 1. First submit an application for prepayment in the student loan system (you will know how to apply when you enter the system). You can enter the prepayment amount yourself, and pay attention to the need to submit the application within the specified time. The loan contract clearly stipulates:

Party A may apply to Party C or log in to the "online system" to pay off all the outstanding principal and corresponding interest in advance, or repay part of the principal (which must be above 500 yuan and be an integer multiple of RMB 65,438+000) and corresponding interest in advance. Where Party A applies before 15 of each month (except 1 1 month), it shall deposit the payable principal and interest into the designated account before the 20th of that month, and Party B shall deduct the amount on the 20th of that month; If Party A submits the application after June 5438+05 (excluding June 10 and June 5438+0 10), it shall be deemed that Party A has applied for early repayment next month. Party A shall deposit the due principal and interest into the designated account before 20th of next month, and Party B shall deduct the amount on June 2nd1. If Party A submits an application between June 65438+1October 65438+June-June 65438+1October 30, it shall be deemed that Party A applied for prepayment on June 65438+February, and deposited the principal and interest payable as of June 20 into the designated account, and Party B did so on June 65438+February 20.

After the application is submitted, the amount to be repaid and the interest shall be deposited into the designated Alipay account (i.e. the Alipay account that issued the loan) before the 20th of the current month.

Second, quietly wait for the money to slip away from Alipay account.

Three. Calculation of prepayment interest 1. No interest will be charged for repayment before the discount deadline. Generally, interest is charged in September of the graduation year 1. The loan contract for the discount period states that the interest of Party A (the borrower) during the period of studying at school and during the period of suspension due to illness shall be subsidized by the state, and the interest shall be borne by Party A from September 1 day of the year of graduation. Therefore, I didn't charge any interest for the prepayment in August.

How does China Development Bank repay the loan?

There are three repayment methods in China Development Bank: normal repayment, early repayment and overdue repayment. For normal repayment, deposit the money into Alipay account before the repayment date and wait for the system to deduct the money. If you want to prepay, you need to submit an application for prepayment on 10 every month, and then return the money to Alipay account before 15. Overdue repayment, repayment on the 20th of each month.

In addition, the repayment of overdue loans from China Development Bank was made at the meeting, and there were overdue repayment records in the repayment, which had an impact on handling bank loans and credit cards in the future.

Repayment Method of Student-origin Student Loan

(1) Advance payment

Students can apply for prepayment at any time through the system, and there is no time limit.

1. The system will automatically determine the corresponding interest settlement date and calculate the receivable principal and interest according to the time when students apply for prepayment.

2, 65438+1October16-165438+1October 30th, apply for prepayment, and the interest will be calculated to 65438+February 20th (the interest settlement date). Students should pay in advance on February 20th, 65438+.

Students can log on to the student online service system or apply for early repayment in the county-level financial aid center, and choose to settle the loan contract in one lump sum or make partial early repayment (the principal must be greater than 500 yuan (inclusive) and be an integer multiple of 100 yuan). If the funds are insufficient, it will be deemed as an automatic waiver of the application for early repayment, and the application can be continued next month without overdue treatment.

Note: 1. After the application, you need to recharge your account at the nearest county-level rescue center or Alipay account as soon as possible.

You can't apply for the same loan contract twice in the same month.

(2) Normal repayment

Log in to the student online system, check the current repayment amount, and fully recharge the funds to Alipay account through Alipay within 5 days before the repayment date (65438+February 20th or September 20th). Alipay will deduct the corresponding amount from the student Alipay account on the repayment date according to the deduction instruction of CDB's loan management system. After three working days, students can log on to the student online service system to check whether the repayment is successful.

Extended data:

Precautions for advance payment

1. Before prepayment, everyone should carefully check their repayment amount to avoid insufficient repayment ability. An important step of prepayment is to submit an application for prepayment. At present, applications can be submitted from June 1 day to June 10 and February 10 every year through the student online service system or the local county-level financial aid center.

2. If part of the loan is repaid in advance, the repayment principal must be greater than that of 500 yuan and be an integer multiple of 100 yuan. By default, the original repayment account is an early repayment account. If you need to change, you should submit a change application through the student online service system.

How to repay the student loan of China Development Bank?

1. Alipay repayment:

(1) You can recharge your student loan Alipay account from 1 to 20/every month. From 2 1 to the end of each month, the system will deduct the corresponding amount from your account and deposit it in China Development Bank for repayment.

(2) Log in to Alipay official website, find "Student Loan Repayment" in the "Application Center", select "I want to repay" and follow the instructions on the page.

2. Manual repayment: the loan applicant or * * * and the borrower hold the loan contract and ID card to the local education bureau for repayment.

After using Alipay to repay, the repayment status of China Development Bank system can be updated at the end of the month. If you need to log in to the system for inquiry, you can inquire at the end of this month or early next month.

First, the national student source credit student loan refers to the student loan issued by the National Development Bank to eligible freshmen in colleges and universities and students in counties (cities, districts) where students are registered. The loan from the student's place of origin is a credit loan. The student and his parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.

Second, the loan conditions

1. Students who apply for student-origin credit student loans in their places of origin must meet the following conditions: they have China nationality;

2. Honest and trustworthy, law-abiding;

3. Approved, according to the relevant provisions of the state, the realization of higher education education has been established. Full-time undergraduate colleges, junior colleges, vocational schools and junior colleges in and outside the region officially recognize the true admission notice, and legally and effectively obtain freshmen or students who have studied, graduate students and second bachelor's degree students;

4 students and their parents (or other legal guardians) registered in the same county (city, district);

5. The family is in financial difficulties, and the income is not enough to pay for the tuition and accommodation needed to complete their studies at school.

Iii. Loan amount: increase the national student loan amount to 12000 yuan for undergraduates, junior college students, preparatory students and 16000 yuan for postgraduates, ranging from 1000 to 12000( 16000). In principle, it can be used for students' tuition and accommodation during school. College students who have obtained national student loans in the same year may not apply for student-origin credit student loans at the same time. Loan term: the loan term is school education plus 15 years, with a maximum of 22 years. The grace period is 5 years.

(Operating environment: iPhone XS Max14.7.1Alipay 10.2.38)

Interest Repayment of Student Loans of China Development Bank

The student loan of China Development Bank has no interest before graduation, and it is not necessary to repay the interest. After graduation, the loan interest shall be borne by the borrower, and the interest and principal shall be repaid together. The repayment method is Alipay repayment.

First, the repayment method of student loans

1. Students should pay off in one lump sum or in installments before graduation.

2 after graduation, the work unit will return all the loans to the loan issuing department.

3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly.

In the place where graduates work, according to their performance, it is decided to reduce the loan repayment.

5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.

Second, the repayment period.

The maximum loan period is 20 years, with a grace period of 3 years. During the grace period, only the interest needs to be repaid, not the principal.

Extended data:

Student loan application process

I. Loan application

The borrower shall apply for a loan from the Student Financial Assistance Management Center of the Education Bureau where his domicile is located, fill in the loan application form and provide materials at the same time.

Second, the contract signing

1, local funding centers review application materials.

2. The local financial aid center guides students to open personal accounts in the handling bank.

3, signed the "student credit loan contract"

4, issued by the local funding center "student credit loan contract receipt".

Third, the contract receipt

1. Borrowing students bring contract receipts to school.

2. The school shall go through the acceptance procedures according to the contract requirements.

3. The student will send the contract receipt back to the county-level funding center where the student is located.

4, the local financial aid center to prepare a summary report to the provincial student financial aid management center.

5, the provincial funding management center submitted to the handling bank for approval.

Four. loan origination

1. The handling bank transfers the loan funds to the borrower's personal account.

2. The loan funds are transferred from the personal account to the tuition account of the borrower's school.

Verb (abbreviation of verb) contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center.