If the borrower maliciously fails to repay the loan and has sufficient reasons, he can go to the bank to explain the reasons and issue a certificate. After the borrower pays off the overdue loan, he must repay it on time and make repayment records.
Relevant issues about student loans
1. Does the unpaid student loan affect the mortgage?
1. If the student loan is not repaid or overdue in the repayment process, that person's credit status will definitely be affected, and it may even be listed as a black account by the bank. In this case, the application for housing loans will definitely be affected, because personal credit is tainted. Loans are still difficult.
2. The national student loan is a bank loan which is led by the government, subsidized by the finance, given jointly by the finance and universities, to compensate certain risks of banks, and operated jointly by banks, education administrative departments and universities to help poor students in colleges 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.
3. Many college students have no sense of credit. After graduating from college, the failure to repay student loans for various reasons leads to the deterioration of personal credit status, which hinders them from handling loans and credit cards in their future work and life. Nowadays, college students' loan officers must communicate with the bank in time, repay on time, and don't have personal credit regrets because they don't know.
Second, there are four main forms of 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.
Colleges and universities: public full-time colleges and universities should actively implement the national student loan policy and jointly handle national student loans for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.