1 reservation

You need to make an appointment to repay, and the time of each branch of each bank is different. You can make an appointment on the same day and pay back the next day. Some may take several months. If you want to repay the loan in advance, make an appointment first.

2 Prepare information

Prepare your loan contract, repayment bank card and identity document, and take the money or card you need to pay back to the bank to fill out the application form. Deposit the money to be repaid in the bank card and go to the bank to fill out the repayment application form. If the money is transferred to the repayment card on other bank cards, wait for the bank to deduct the money.

3 cancel the mortgage

Because the house bought by the loan is mortgaged, you have to go to the Housing Authority to cancel the mortgage after paying back the money. However, it usually takes a little longer. If you need to sell a house, it is recommended to cancel the mortgage.

Generally speaking, the prepayment of mortgage should first check the requirements of prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment. Then call the loan bank to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared, and personally apply to the relevant departments for early repayment according to the requirements of the bank. Then, the borrower brings the relevant documents to the borrowing bank, goes through the relevant formalities of prepayment, submits the prepayment application form and deposits the prepayment in the counter.

Two, how to apply for early repayment of national student loans

There is a time limit for repaying the loan in advance, which does not mean that you can repay it if you want. Specific things can be found in the student loan system of China Development Bank. /page.do？ targetpage=/portal/index.jsp

Third, how to repay the student loan in advance.

There are two channels for prepayment of student loans, Alipay and online student loan system. 1, Alipay prepaid. Log in to Alipay account and find the application for "student loan repayment" in the "Application Center". Click on the option that it has an advance payment and follow the prompts. 2. Repayment of student loan online system. Open the student loan information network of China Development Bank, select prepayment after opening, and follow the instructions on the page. 1. 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. 2. There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice: What is the application process of student loans? 1. The borrower needs to complete the application form and seal it completely. 2. The borrower and * * * together with the borrower go to the Student Financial Assistance Management Section of the County (city, district) Education Bureau to issue materials, which will be checked by the staff. 3. The borrower and * * * signed the Student Loan Contract of China Development Bank with the borrower himself. The loan contract has been signed. 5. Payment and payment. Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

4. After the national student loan is applied for prepayment, how can I repay it only through Alipay?

1. Normal repayment: deposit the money to be repaid into the designated Alipay for manual deduction. The maturity year of the loan is August 3 1 or September 20, and the specific date can be queried in the system.

2. Repayment in advance: log in to the student online service system-deposit the amount into the designated Alipay account of the loan-and the system will automatically deduct the money when it expires.

The borrower can submit an application for early repayment every day, and the repayment can be made after submission without review. Different application dates correspond to different repayment dates, specifically:

If the application is submitted before 10 (inclusive) in 65438, the interest will be calculated until the 20th of the current month, and if the application is submitted after1-0/5 (inclusive), the interest will be calculated until 10/0/0/20; 65438+1October16-165438+1October 30th, submit the application, and the interest will be calculated until 65438+February 20th.

3. Take the initiative to repay any Alipay login, find the student loan repayment module in the application center, enter the ID number and the designated Alipay account number, and you can repay.

After repayment, early next month.

Find out if the repayment is successful.