We need to note that the application for early repayment of student loans can only be made during the period of1-1-kloc-0/0 every month, but not during the period of 1 1. Also, after the application is submitted, it needs to be deposited before 15 of the current month, and then the banking system will deduct the corresponding amount in advance on the 20th of the current month.
Of course, whether the borrowing students repay in advance depends on their own economic situation. If you don't have enough repayment ability for the time being, don't force a one-time repayment before graduation in order to reduce interest. In fact, the first five years after graduation is a grace period to repay the principal, and only interest is paid. For people who work normally, the repayment pressure is not great.
If you don't understand the big data on your own network, you only need to search: Beijian Quick Check, click Query and enter information to find your own 100-line credit data. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.
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Can I repay interest on student loans after graduation?
After graduation, student loans cannot be repaid with interest first. After all, student loans do not support the repayment method of paying interest first and then principal. Moreover, the first five years after graduation is a grace period for repaying the principal, during which the principal is mainly repaid, and the principal and interest are only repaid after the five-year grace period.
Of course, you can apply for prepayment, but it is also to repay the principal and interest that should be repaid in the current year in advance. There is no case of paying interest in advance and paying back the principal later.
It should be noted that in order to repay the student loan in advance, the application must be made between June 10 and June 1 0. If the China Development Bank agrees, the borrowing students need to deposit the funds they want to repay in advance into the special Alipay account for student-origin student loans before June 15, and then the system will deduct the corresponding funds from it on the 20th of that month.
However, it is impossible to apply for prepayment in June 5438+065438+ 10, and February 20th of each year is the repayment date of the student loan, 18 (the repayment date of the last year of the student loan is September 20th).