Borrowing students are required to repay their student loans after graduation.

Student-origin student loans are repaid through Alipay account. It should be noted that the normal repayment date of student-origin student loans is before 65438+February 20, and the repayment date of the last year is before September 20. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month.

Early repayment needs to be paid off in one lump sum, and partial early repayment is not accepted. From June 1 to June 1 every year, you can apply for prepayment before 10, and the interest is calculated until the 20th of that month. Apply after the current month 10, apply for prepayment next month, and interest will start to accrue on the 20th of next month.

Before 15 every month, the full amount of funds will be recharged and deposited into the personal Alipay related account for repayment. If the funds are insufficient, the application for prepayment will be automatically abandoned, and the application can be continued next month without overdue treatment.

Extended data

The applicants of the Student Source Credit Loan of China Development Bank (hereinafter referred to as Student Source Loan) are students from poor families whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardian) form a student loan co-borrower.

(a) the object of student loan support must meet the following conditions:

1. has People's Republic of China (PRC) nationality;

2. Honest and trustworthy, law-abiding;

3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);

The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.

Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district).

(2) co-borrower

Co-borrower is mainly the parents (or legal guardians) of the borrowing students. If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.

References:

Student Credit Loan _ Baidu Encyclopedia

How to repay college student loans after graduation?

First of all, answer directly.

Students with student loans can renew their loans if they continue to study for a postgraduate or second bachelor's degree after graduation from university, and then they don't need to repay them temporarily during their school days. After graduation, repayment can be started at 65438 on February 20th of that year.

Second, the specific analysis

After that, the annual repayment date is 65438+February 20, and the money needs to be returned to the special Alipay account for student loans before 15. The system will automatically deduct money on the 20th (the last year is September 20th).

It should be noted that the repayment period after graduation is correspondingly shortened because of graduate students and second bachelor's degrees.

Of course, if you have a stable income, you don't need to borrow money to pay tuition, accommodation and other expenses during your study. Borrowing students can also give up renewing their loans and repay them directly.

Because the student loan has a grace period of five years, only the interest of the first five years needs to be repaid, and there is no need to repay the principal. Pay the principal and interest after five years.

There are many online loan big data systems that can provide online loan records, which can be found: Xiaoqi New Tea. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.

3. When will the college loan be interest-free after graduation?

When I was in college, I applied for a student loan and waited until I graduated.

There is a grace period for repayment after graduation. During the grace period, you only need to pay the principal, not the interest.

As for the specific period of the grace period for repaying the principal, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission mentioned in the Notice on Adjusting and Perfecting the Relevant Policies of the National Student Loan in July 2020 that the grace period for repaying the principal was extended from 3 years to 5 years.

In other words, after graduation, students do not need to pay interest for repayment within five years, but only need to repay the principal; Wait until five years after graduation, and then repay the principal and interest of the loan annually.

As for the interest of students during their school days, they will be fully subsidized by the finance.

As for the interest rate of student loans, starting from June 65438+1 October1in 2020, the interest rate of newly signed student loans will be reduced by 30 basis points according to the LPR list price of the same grade in the same period (one basis point is equal to 0.0 1%).

The loan period of student-origin student loan is academic system plus 15 years, and the longest is no more than 22 years.

How to repay the student loan?

There are two ways to repay student loans:

Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest.

Bank repayment:

Before you go to the bank, you must bring all the materials for handling student loans, as well as my ID card, bank card and so on. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process; After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

Then go to the counter to handle the loan repayment procedures; Finally, send the repayment voucher to the relevant person in charge.

Extended data:

Application method of student loan:

Students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. The following information is required:

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

Baidu encyclopedia-repayment method of student loan

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