As we all know, the student loan is a welfare policy implemented by the state for students with poor family economic conditions. It will not be repaid until after graduation, and it is interest-free during school. If you don't return it, many students don't understand why the consequences of not repaying the student loan are so serious. Let's briefly talk about it today.
the consequences of not paying back the student loan are so serious!
1. Credit reporting: Like other loans, student loans are subject to credit reporting. If they are overdue, they will be reflected in the personal credit reporting, and this record will always accompany them, which may affect the job search after graduation.
2. Incorporate into the academic system: Now when going to work in the company, the company will ask for the certificate of student status network, which includes some personal information and academic situation of the students during their school days. It is said that if the student loan is not repaid, the records can be found in the academic system.
3. Penalty interest: Although the student loan is interest-free at school, it still charges a late fee if it is overdue. Calculated according to the overdue amount and days of the customer, it is about twice the basic interest rate.
4. Legal liability: if the loan is overdue, you still have to bear the responsibility, not to mention the bank's money. If you are judged to be maliciously overdue and defraud the loan, you may have to bear the legal responsibility. These are the possible consequences of student loans not being repaid. I feel that student loans are originally subsidized welfare policies, which are already very favorable, and the sum is not much. For customers who have graduated, there is no great pressure in stages. Besides, this is my obligation, so I should not be tainted with "bad credit" just after graduation. Disadvantages of student loans
Student loans were originally given by the state to some students with excellent grades but poor family conditions, which provided an opportunity to study. However, there are advantages and disadvantages, so I would like to share the disadvantages with you today. I hope you will pay attention to it and prevent this from happening.
The disadvantage of student loans is that students' failure to repay on time will affect their credit. Because the credit information system of China Development Bank and China People's Bank is connected, the student loan information will be recorded. As a student, credit is also very important. When students graduate and enter the society, they will face the situation of work. Some work units will ask you to show your personal credit report when they are working. If your personal credit report is not good at this time, then the work unit can't accept you.
As long as students can repay their loans on time, there is no harm in student loans, but there are only advantages. The advantages are as follows:
1. Students don't have to pay back the principal while studying at school, and the loan interest is subsidized by the government, so they don't have to pay it themselves;
2. There is a three-year grace period for repaying the principal. Students only need to repay the loan interest in the first three years after graduation, and the principal will be repaid in the fourth year. Moreover, within three years of graduation, students should have found jobs and have the ability to repay;
3. low interest. The interest on student loans shall be subject to the benchmark interest rate of the People's Bank of China, and will not fluctuate.
Therefore, we should be grateful for the student loan, make good use of the subsidies given by the state, study hard at school, and live up to the expectations of the state and the efforts made by our parents. Why do you say that you should never repay the loan after graduation?
Student loan is an important measure taken by the state to subsidize students from poor families in ordinary colleges and universities, and it is a very good policy for the majority of poor students.
Because the state subsidizes loans during their studies at school, but interest will be calculated after graduation, many college students will repay their loans in a hurry in order to save some interest. In my opinion, this is very unwise, and it is very disadvantageous to repay the loan early.
Although the media has been reporting that graduates should repay their loans as soon as possible after graduation, otherwise their credit will be affected. There is no denying that the loan must be repaid, but it is not a wise choice to repay after graduation.
First of all, let's take a look at the impact of loans overdue's non-return or direct non-return.
(1) Load the information of students who break the contract and the information of borrowers 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 affect the application and use of almost all financial products related to financial institutions, such as personal credit card, house purchase and car loan, etc., of the defaulting students and borrowers.
(2) Load the information of the students who broke the contract into the graduate education inquiry system, and inform the students who broke the contract and the employment units of the borrower about the breach of contract. This will have a great impact on the employment of students who break the contract and participate in various social recruitment examinations.
(3) if the loan principal is not repaid on time as agreed in the loan contract, the penalty interest will be calculated according to the actual overdue amount and the number of overdue days, and the penalty interest rate will be 13% of the normal loan interest rate.
(4) The lender with serious breach of contract will also bear relevant legal responsibilities
If you look closely, it is really serious, it is really serious. Yes, so the loan should still be repaid on time after graduation. I don't mean to tell you not to repay it here. I just tell you that you must not repay the loan even if you borrow money to save some interest after graduation. You know, the cost of social financing can be very high now, and it will be difficult for you to borrow money from the bank after you pay it back.
why do you say that you should never repay the loan after graduation? Not only that, we can borrow as much as we want during college.
1. I believe that some time ago, everyone paid attention to the naked strip. Many college girls are desperate for money and give their naked photos to others just to get thousands of dollars to borrow money. And the weekly interest rate reaches 3%, which is still rolling interest. It's terrible to think about it, and suddenly I feel that it is a good thing for the country to lend you 6 yuan a year and help you pay interest. Therefore, you can borrow as much as you can, so that your family can reduce the pressure and you don't have to sell your body to borrow usury when you need money urgently.
2. Pay back the loan after graduation. Is there really that much money? Many students originally went to school by loans, but they also had no money after graduation, so they had to borrow money everywhere, ask their families, relatives, friends and classmates, and searched all the relationships they could find. Finally, they got loans, but when they looked back, they owed a lot of human feelings. The loan does not need to be repaid, just to save some interest, which is not worth the loss. You know, when you are away from home, human feelings are the hardest to return.
3. Freshmen have just graduated, and their salaries will not be very high from the grassroots level. After deducting the rent and food expenses, they are basically gone, and they have to save some money every month to repay the loan. You can imagine how much pressure there will be. Isn't it that people struggle to make their lives better? Why do they have to live so hard? It's good to wait and repay the loan. Loans have a grace period of two years, as long as the interest is repaid. In the past two years, you will work hard to get promoted and raised, and it will be easy when the salary rises.
4. As we all know, the cost of social financing after coming out is very high. When we have the idea of starting a business, we suffer from lack of funds, so we need a loan. Let's not talk about usury such as naked strips. Let's talk about P2P. It takes more than 1 points to borrow money on P2P. Compare the loan from the bank, which only charges 6% interest a year, and think about whether it is very cost-effective. So don't borrow money to repay the student loan, but borrow a loan with higher interest rate when you need the money, which will be a big loss.
5. Some people may say that I don't want to start a business and I don't need money. I just want to pay it back as soon as possible and pay less interest. For students with such ideas, I will give you the most stupid method. Is it very high to pay 6% interest for a loan a year? But don't you know that there are many excellent P2P platforms with interest rates higher than 6%? I have no idea, so I will invest the money I intend to repay the loan in P2P. Let's not look at those platforms that can't move the interest rate of 2%. They are all unreliable. We can still find the interest rate of 1% a year, so it's not easy to earn a 4% interest rate difference. This is the way to make money. For many people, it is a lazy way to make money.
finally, the state's student loan must be repaid. When we can't afford to go to college, the state lends us money, and this kindness must be repaid. But when it is still in our hands, as long as we return it on time. After reading so much, you mustn't foolishly repay the loan after graduation, which is a very bad practice. As long as we make a good plan, we can not only repay the loan on time, but also reap a fortune. The consequences of not repaying the student loan are
for your reference.
first of all, you may have great difficulties, but it is not correct to have this idea of not paying back;
Secondly, at present, the national unified basic database of personal credit information established by commercial banks organized by the People's Bank of China has been officially put into operation, and your relevant credit information has been recorded in the database and become a part of your credit record.
according to the regulations of the people's bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you handle the loan business later, the lending bank will refer to your credit history comprehensively.
Finally, the student loan can generally be repaid within six years after graduation. Compared with the loan amount, the repayment period is longer and there is enough time to repay. A bad credit record caused by a temporary impulse cannot be compensated by the amount of student loans.