The national student loan is a discount loan supported by the policy, and the consequences of overdue are also very serious. This kind of loans overdue needs to pay overdue penalty interest, but for many loan students, they don't know the repayment process of overdue penalty interest. Then, let's know how loans overdue, a national student, can remedy it.
The first step of the repayment process of national student aid in loans overdue: Confirm the monthly repayment interest. After graduation, the graduates repay the student loan, and only need to pay interest every month for the first two years. Therefore, the loan students must calculate the repayment interest amount every month, otherwise it will easily lead to the failure of system deduction. Step 2: Confirm that the monthly repayment date is 2th, which means overdue repayment is after 2th. Step 3: Log in to the system to check overdue details. If there is overdue repayment this month, loan students can check overdue details, such as overdue days and overdue penalty interest, through the student online service system from the 11th of next month. Step 4: Next month's repayment amount plus overdue penalty interest. Since last month was overdue, only the interest payable in the current period was repaid, but the overdue penalty interest was not repaid. Therefore, this month's loan students should recharge the repayment amount to the Alipay account of the national student loan on the 15th. Tips: The amount payable this month is = principal and interest payable in the current period+overdue principal and interest of last month and overdue penalty interest as of the 2th of this month. The repayment process of loans overdue, a national student, is introduced here for everyone. As the overdue penalty interest rate for overdue repayment is 13% of the contract loan interest rate, and the overdue penalty interest will be calculated on a daily basis, it is suggested that everyone must ensure the success of repayment on the repayment date. Otherwise, in the next month, you will have to pay more interest and penalty interest. What should I do to study in loans overdue?
If I study in loans overdue, the borrower should log in to the student loan system of China Development Bank in time to go through the repayment procedures, and then call the bank's customer service phone in time to explain the specific situation, indicating that he is not maliciously overdue and will definitely repay in full and on time in the future. The specific repayment steps are as follows:
1. Log in to the student loan system of China Development Bank, and then log in to your personal account on the login page;
2. Then, query the repayable principal and date in "Query of Principal Repayment Plan";
3. Then click "Application Center" in the upper right corner, and then find the "Student Loan Repayment" application for repayment;
4. Click "I want to repay" and enter the ID number and account name to inquire about repayment information;
5. Just recharge according to the repayment amount.
Extended information:
How can loans overdue, a student from other places, be remedied?
After the student comes to loans overdue to study, he will pay off the principal, interest and overdue penalty interest in time, and then tell the bank that he didn't intentionally overdue, and try to get the bank not to upload the overdue record to his credit report. If he has uploaded the credit report, he can ask the bank for a proof of non-malicious overdue, so that the pass rate will be higher when applying for loans in the future.
Student-based student loans are not the same as ordinary loans, but they are still loan products. After the loan is overdue, the lender will be reminded. At first, the overdue loan is for the student himself. If the student himself cannot be contacted or the reminder is useless, it is for the borrower.
Article 32 of the General Principles of Loans:
The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall send a notice of repayment of principal and interest to the borrower one week before the short-term loan expires and one month before the medium-and long-term loan expires; The borrower shall prepare funds in time and repay the principal and interest on time.
the lender shall promptly issue a collection notice for overdue loans and do a good job in the collection of overdue loan principal and interest. The lender shall impose additional interest on the loan that cannot be repaid within the time limit stipulated in the loan contract; If the repayment of the principal and interest cannot be made or implemented, the repayment shall be urged or legal proceedings shall be instituted. The borrower shall negotiate with the lender when repaying the loan in advance.
If the students are left to study in loans overdue for a long time, the consequences will become more and more serious, the dunning will not stop, and even the personal information of overdue students will be released, which will affect the students' life after entering the society. How to continue to repay the loan after the students come to loans overdue to study
How to continue to repay the loan after the students come to loans overdue to study:
Students who fail to repay the loan on time on the 2th of each month will be regarded as overdue, and the repayment methods are as follows:
Except in November, overdue loans can be repaid before the 2th of each month. After paying the principal and interest, if the repayment is not made in time on December 2th of that year, it will be regarded as loans overdue, and a penalty interest will be generated from December 21st. The overdue penalty interest is 13% of the current interest rate. The principal and interest payable in case of overdue repayment include overdue principal and interest and penalty interest on the 2th day of the month when repayment is cut off. The specific amount can be found in the student online service system.
Extended information:
Relevant requirements for student-origin credit student loans stipulate:
1. Borrowing students are required to start repaying student loans after graduation. Student-origin student loan is repaid through Alipay account. It should be noted that the normal repayment date of student-origin student loans is before December 2, and the repayment date of the last year is before September 2. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 2th of each month.
2. * * * In principle, the borrower is the parent or legal guardian of the borrower, and the household registration must be the same as that of the borrower himself before entering school; * * * If the borrower is not a parent, the age must be between 25 and 6 years old. If the borrower is over 6 years old, please change the borrower.
3. After the signing of the loan contract, if the borrower needs to change the account name or account number of his personal account, 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 borrower can change the contract upon his own application and approval by the county-level financial aid center. In principle, the adjustment of repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended. What should I do if I study in loans overdue?
If you miss the repayment date, just return it immediately. If you miss the repayment date of the student loan, you should pay off the arrears and pay the penalty interest in time, and then repay it on schedule every month, keep a good credit record, and minimize the negative impact of overdue, because the credit inquiry at the student loans overdue meeting will affect the loan application in the future.
repayment operation
Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. Within one year after graduation, you can apply to the bank for adjusting the repayment plan. There are many ways to repay the principal and interest of student loans, and you can repay the loan in advance one or more times. If college students choose to repay the loan in advance, the handling bank shall not charge any other fees except the interest payable. The specific operation methods are as follows:
(1) Log in to the homepage of CDB's student loan information network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment of loans for the 26-28 academic year is the school code+student ID number, and the password is 8 birthdays; The login name and password for online loan repayment in 29 and beyond are the login names and passwords when students apply for loans);
(2) Click "prepayment application" on the left to enter the prepayment application summary information page;
(3) Click the "Add" button at the bottom left of the prepayment application summary information page to open the prepayment adding page;
(4) Select one of the loan contract records and click OK to save the prepayment application information.
(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.
There are problems
1. How to repay the student loan?
Alipay will inform you to recharge your Alipay account five days in advance according to the deduction date stipulated by CDB. Before the repayment date, you need to recharge the funds to be repaid to your Alipay account, and Alipay system will deduct the corresponding funds from your Alipay account on the deduction date and transfer them to China Development Bank!
2. Do I need authentication to repay the student loan with Alipay account?
The student loan repayment has nothing to do with whether the Alipay account is certified or not. Just recharge the funds to be repaid to your Alipay account before the repayment date specified by CDB. However, for the safety of your funds, I suggest you authenticate your Alipay account.
3. How can I determine whether my student loan has been repaid successfully?
you can log in to AliPay-Transaction Records-Revenue and Expenditure Details to check.