1. As long as you have enough funds or stable income, you can make prepayment. First, apply for early repayment to the national development bank student loan information network, and then log in to the Alipay account provided in the loan contract for repayment.
2. Student loans do not need to pay interest when they are students, and they also need interest after graduation, so there is no harm in repaying in advance. If you have extra money, you can repay it in advance, as long as it is not overdue.
1) If you repay the loan in advance when you are a student, you don't need to pay interest. If you pay in advance in one lump sum after graduation, you will be charged a certain amount of interest. If users want to pay off all debts in advance, they need to submit an application for prepayment. After the early repayment is successful, the student loan will no longer generate any interest, and the credit will also show that the student loan has been paid off. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual loan term, and will not charge any other fees except the interest payable. Prepaid interest of student loan = loan amount * corresponding annual interest rate * loan days /360. Generally, the corresponding interest can be calculated according to this formula.
2) The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities and increase the financial aid for poor students in colleges and universities under the socialist market conditions. Economy. The national student loan is a bank loan led by the government and compensated by financial subsidies, finance and universities. It is jointly operated by banks, education administrative departments and universities to help students. Students who borrow from poor families in colleges and universities do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. Loan students apply for loans from the bank through the school to make up for the shortage of various expenses during their school days and repay them in installments after graduation.
3) The interest on the student loan is calculated from graduation, and when it can be fully paid off depends on the maturity date signed at the time of the loan. If you need to inquire, you can bring your valid ID card to the bank where the student loan account is opened. The interest rate of student loan is also adjusted with the adjustment of national interest rate. It is best to repay in advance. Because there are more and more benefits. The formula for calculating interest is: principal multiplied by interest rate divided by 360 and then multiplied by days. I hope I can pay it off in advance.