Consequence 1, the loans overdue record of student aid is automatically recorded in the basic database of personal credit information of the People's Bank of China, which can be viewed by all banks and relevant institutions.
2. If it is overdue for 90 days in a row, no bank will handle financial services such as house purchase and car loan for you. 3. If it is overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. In case of malicious default or intentional default, the bank will. If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected. Pay attention to repayment on time and try not to be overdue. If it is overdue, it may have an impact on everyone's future credit. After all, this is everyone's first loan and the repayment amount is not high. At present, five years overdue can be eliminated, and the individual is seven years, but no one can say what will happen in the future. After all, now that the train tickets are all real names, the credit stain may follow us all our lives. In order to avoid overdue, you should provide the latest contact information to the school or bank at any time, and the school and bank will remind you in time when overdue; Pay attention to the change of loan interest rate and adjust the deposit amount in time (only for national student loans). 2. What about student loans?
Hehe, support the second floor
Third, what will happen if you don't repay the student loan after graduation?
The consequences of not repaying the student loan after graduation are as follows: 1. Lending institutions will collect loans according to law and pay loans according to the mortgage or pledge contract of loan contract and guarantee contract; Measures such as property preservation will be taken, including freezing deposits in all bank accounts of loan guarantors and sealing up pledged property; 2. Credit will be affected, and loans under personal names will also be recorded as overdue loans in the national personal credit information consultation system; 3. If you provide false information or false information when you borrow money, the lending institution may sue you for defrauding the loan. If the loan fraud is true, you may be sentenced for the crime. Normal repayment process of national student loan: 1. According to the loan contract, the repayment amount will be recharged to Alipay account 5 days before the repayment date; 2. Wait for the system to automatically deduct money from Alipay account; 3. On the third working day after the deduction, log in to the student online service system to check whether the repayment is successful. Legal basis: Article 23 of the Interim Measures for the Administration of Personal Loans, the lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
4. What are the consequences of not repaying the student loan?
When the loan has not been paid off, the bank's computer system has the right to return the loan amount and interest at any time of the year. If the loan student fails to repay the loan according to the date agreed in the contract and fails to use the loan according to the purpose agreed in the contract, the handling bank has the right to charge interest at the default interest rate; For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate. If the loan interest rate is adjusted according to the agreement in Paragraph 2 of Article 4 of the Contract, the penalty interest rate will change accordingly after the interest rate adjustment, and the change period is the same as that of the interest rate.
If the student fails to repay the loan within the time limit, the bank will charge a penalty of 3.2625% (7.83% 1.5 ÷ 360) on the overdue loan according to Article 8 of the National Student Loan Contract at the end of this year. (plus 50% normal interest, there is money.
The personal credit information system will also automatically record the impact of the payer's application for housing mortgage loan in the future, and it will only be eliminated after seven years of repayment.
For borrowers who are seriously in arrears in repayment, the relevant administrative departments and banks will publish their names, citizen ID numbers, graduation schools and specific breach of contract through news media, internet and other information channels.
Lenders who seriously breach the contract will also bear relevant legal responsibilities.