Repayment party of student-origin student loan

(1) prepayment: users need to apply for prepayment in CDB student loan system before 0: 00/1day of the current month (repayment due is not required), otherwise they cannot repay (please contact the teacher in charge of student loans or contact CDB for details).

(2) Due repayment: users do not need to repay every month. When the loan contract expires (normally 65438+February every year, please check the loan contract for details), you will be allowed to return the full amount of the loan together. CDB will pay the repayment amount to Alipay synchronously, and Alipay will withhold it on its behalf. (If the amount deducted by Alipay is different from the loan amount, I suggest you contact CDB. Alipay deducts money according to CDB synchronization amount).

1. The national student loan is a credit student loan led by the government and provided by financial institutions to students with financial difficulties in colleges and universities, which is used to help solve the tuition and accommodation expenses of students during their stay at school. The national student loan interest rate shall be based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period, and shall not rise. The national student loan interest of the loan students during their school days is paid by the finance, and the interest after graduation is paid in full by the borrower. In order to encourage financial institutions to undertake national student loans and establish a loan risk sharing mechanism, finance (universities) will give certain risk compensation to the handling banks.

2. The national student loan is a credit loan. 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. According to the different application places and work processes of students, national student loans are divided into two modes: national student loans in schools and credit student loans in students' places of origin. Full-time college students are not allowed to apply for national student loans and student-origin credit student loans repeatedly in the same academic year, and they can only choose to apply for one of them. In principle, full-time graduate students apply for national student loans on campus.