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Repaying student source loans
Read the loan contract and inquire about the repayment plan, and repay in full on schedule. Every month (except 1 15), the application before 15 (inclusive) will be charged on the 20th of the month (the charging process may last until 2 1), and the application after 15 will be charged on the 20th of the next month. ?
If the student loan account is an Alipay account, you can use the active repayment function, or deposit money into this Alipay balance, and the system will automatically deduct the money.
In addition, you or your family and friends can also go to any funding center in the country that supports POS repayment and repay with UnionPay cards.
If you apply for prepayment, but you don't pay back the money, it won't affect your credit. You can continue to apply next month. Pay off the interest-free loan before graduation (note: prepayment is required before 15), and graduation confirmation is not required.
Extended data:
I. Interest and principal
1, the interest during the school period is fully discounted by the state finance;
2. Party B shall bear the interest on the student loan from September 1 day of the year of graduation (or graduation), and the repayment date shall be February 20th of each year (September 20th of the last year), which will not be postponed in case of holidays.
3. From the fourth year of graduation (or graduation) (the first year of graduation), the principal and interest will be repaid, and the repayment date of principal is the same as that of interest.
4. If you continue to study for a degree during the repayment period after graduation, you should apply to the county-level funding center in time and provide relevant written proof. After passing the exam, you can continue to enjoy the financial benefits during your school days.
Second, interest rates and interest rate adjustments.
In accordance with the relevant provisions of the state, the interest rate of students' credit student loans shall be subject to the benchmark interest rate of RMB loans of the same grade in the same period announced by the People's Bank of China, and shall not rise. Every February 2 1 65438 is adjusted according to the latest benchmark interest rate. ?
China National Development Bank-Frequently Asked Questions