1. Borrowing students do not need to repay the national student loan during their school days.

Because the loan interest rate during the university period is completely borne by the state finance bureau, which is equivalent to the preferential benefits for borrowing students. Therefore, students who borrowed money do not need to pay it back in those years, of course, not once a year.

2. Repaying the national student loan of China Development Bank after graduation is generally once a year.

According to the official website of China Development Bank, since students have a repayment buffer period of up to five years after graduation, they generally only need to repay the loan interest gradually from the time they graduate from college, that is, once a year, and the latest repayment time is before 65438+February 20th every year.

3. Many financial institutions that organize national student loans may not do it once a year.

Such as China Industrial and Commercial Bank, China Bank and China Construction Bank. Different types of financial institutions have different regulations on repayment time, and the actual contract between the borrower and the bank loan shall prevail.

What should I do if I default again after negotiating repayment? After the repayment is negotiated, the bank will discuss the repayment plan with the borrower again. Generally speaking, increase the repayment period or exempt interest. If the contract is broken again after the repayment is settled, the borrower can choose to ask relatives and friends for help and auction many of his assets by mortgage.

1, ask relatives and friends for help

Under normal circumstances, financial institutions will not give borrowers a second chance when they repay overdue loans after negotiation. Moreover, because the borrower defaults for the second time, the probability that the bank will sue the borrower will greatly increase. In this case, it is best to ask for help from family or friends.

Tell your family or friends about yourself first, and then ask him to lend you a sum of money to repay your loan. There is no need to deduct interest on the loans of family members and good friends, and the repayment time is looser than that of bank loans. Never consider your own face. Seek help as soon as possible to prevent the situation from getting worse.

2. Mortgaged or mortgaged assets

If the borrower has all valuable assets under his name, he can choose to mortgage or bid immediately. Houses, vehicles, brand-name watches and large insurance policies recognized by financial institutions can all be mortgaged. If the mortgage is not smooth, you can also choose to bid immediately or sell it twice. As long as the object has certain use value, it will be exchanged for a sum of property in a short time to prevent the borrower from being sued by the bank and becoming an executor of dishonesty.