Student loans can apply for deferred repayment, but they must meet the extension conditions. Under normal circumstances, if it is necessary to extend the academic system due to reasons such as undergraduate, graduate, joining the army, supporting schools, etc., the extension is allowed. Delayed due to academic system and other reasons.
Meet the extension terms, apply for extension registration at the college student office, and apply for extension repayment to the loan handling bank after applying for interest renewal discount for the students who have extended repayment.
After receiving the school's audit, the loan handling bank will adjust the student loan repayment plan of the loan students, and continue to study for the affiliation of colleges and universities during the degree period, and the original subsidized financial department will continue to subsidize.
Borrowing students do not make early repayment after applying for early repayment of student loans, and banks generally do not regard it as overdue and will still deduct money on the repayment due date. However, if the due repayment date (65438+ February 20 every year, the last year is September 20) is not paid back, it is really overdue and will affect personal credit.
However, the application was made between 1 October 1 to 10, and then the money deposited before 15 of the current month will be deducted by the system on the 20th of that month.
Repayment Process of National Student loans overdue
Step 1: Confirm the monthly repayment interest.
Graduates only need to pay the monthly interest for the first two years to repay the student loan after graduation. Otherwise, it will easily lead to system deduction failure.
Step 2: Confirm the monthly repayment date
The monthly repayment date is the 20th, and after that.
Step 3: Log in to the system to inquire about overdue details.
If there is a date of 1 1 in this month, the loan system will check the overdue details, such as overdue days and overdue penalty interest.
Step 4: Penalty interest
Because last month's overdue payment only paid the current interest, the overdue penalty interest was not paid, so this month's loan students should pay the repayment amount to the Alipay account of 15 national student loan.
How did you apply for a student loan when you were a graduate student? ...
According to Article 3 of Supplementary Opinions on the Management of Student-origin Student Loans forwarded by the General Office of the State Council to the Ministry of Education and Finance of the People's Bank of China on August 22, 2000, "If a loan student continues to study for a postgraduate and a second bachelor's degree after graduation, the loan period will be correspondingly extended during the study period, and the principal and interest of the loan will be paid off within four years after graduation of the postgraduate and the second bachelor's degree." The provisions of the, the borrower should apply for extension and extension one month before the first repayment date of the loan, and provide relevant certificates to continue studying for graduate students and second bachelor's degrees.
Third, how to apply for a doctoral deferred student loan?
You can apply for student loans.
The process of handling student loans:
1. The loan acceptance department applies for a loan;
2. Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;
3. Review the materials. The borrower and co-borrower go to the student financial assistance management department of the county (city, district) Education Bureau to receive the registration form, and provide two identification materials (including the borrower, co-borrower ID card and copy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the county Education Bureau;
4. Sign the contract. The borrower and co-borrower himself signed the Loan Contract for Student Credit Loan of China Development Bank, signed the loan contract and authorized the Postal Savings Bank to deduct the loan principal and interest from the above account;
5. Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. Within 30 days after registration, if the student financial assistance management department of the Education Bureau does not receive the receipt (no later than 65438+1October 30), it will be deemed that the student has cancelled the loan application;
6. Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;
7. Repay the loan. After the borrower graduates, the student and co-borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.
Four, how to apply for deferred repayment of student loans?
How to apply for deferred repayment of student loans
How to apply for deferred repayment of student loans? In order to help students with financial difficulties, the state issued student loans. After graduation, students can apply for deferred repayment in order to alleviate the employment pressure. How to apply for deferred repayment of the following shared student loans?
How to apply for deferred repayment of student loans 1 1. Interest-free and principal deferred repayment scope
(1) Interest-free range
According to the requirements of the Notice, the development bank will exempt the national student loan interest that should be repaid in 2022 from the borrowing students who graduated in 2022 or before.
(B) the scope of deferred repayment of principal
For the principal of the national student loan that should be repaid by the borrowing students who graduated in 2022 or before, the repayment can be postponed 1 year upon the independent application of the borrowing students.
Second, the handling process
(1) interest-free process
Borrowing students do not need to apply for interest-free national student loans in their own names within the interest-free scope of the Notice, and the Development Bank will automatically waive the relevant interest in accordance with the relevant provisions of the Notice. Borrowing students can apply for the Loan Contract of Student Credit Loan of China Development Bank or the Loan Contract of Student Loan of China Development Bank.
(hereinafter collectively referred to as the "loan contract"), log in to the student online system of China Development Bank (hereinafter referred to as the "student online system") within five natural days before the repayment date in 2022 (inclusive) to inquire about the corresponding interest-free situation.
(II) Application process for deferred repayment of principal
If the borrower needs to postpone the repayment of the principal of the national student loan under his name in the second paragraph of Article 1 of this announcement, please log in to the online student aid system before the repayment date of 2022 (excluding) agreed in the loan contract and apply for the postponement of repayment of the principal, and complete the relevant operations according to the system prompts.
Borrowing students who apply for deferment of repayment of principal of several national student loans under their names must apply for deferment of repayment of principal of each national student loan through the student online system no later than the earliest repayment date (excluding) 2022 (hereinafter referred to as the "original repayment date") agreed in the relevant loan contract. Borrowing students who successfully apply for the extension of principal cannot cancel the extension application, but can apply for early repayment during the extension period.
The repayment of the principal is postponed for one year, and the deferred repayment date (hereinafter referred to as "deferred repayment date") is the same day of the same month in 2023 (that is, the same day of the same month after the original repayment date is postponed for one year). The interest calculation and repayment of deferred principal shall be carried out in accordance with the relevant provisions of the state and the loan contract. There is no default interest or compound interest on deferred loans, and the interest within the notice scope is exempted, and the excess is borne by the borrowing students themselves.
If the borrower fails to submit an application for deferred repayment of the principal according to the above requirements, or the application is unsuccessful because the application does not conform to the relevant national policies, it can continue to enjoy the interest-free policy in 2022 according to the requirements of the Notice, but the remaining repayment should still be repaid according to the loan contract.
If the borrower successfully applies for deferred repayment of the principal, the principal and interest of the national student loan that should be repaid in 2023 (inclusive) and the following years still need to be repaid in accordance with the loan contract. If the deferred repayment date is later than the principal repayment date of the last year within the loan period agreed in the corresponding loan contract (the "contract maturity date") due to the successful application for deferred repayment of the principal, the contract maturity date will be automatically postponed to the deferred repayment date, and the principal and interest payable on the original contract maturity date will be repaid on the deferred repayment date, and the corresponding new interest will also be repaid by the borrowing students on the deferred repayment date.
Third, warm tips
Borrowing students should note that the interest on the deferred principal is still calculated and collected normally according to the loan contract, and it will be repaid together with the deferred repayment date (except for the interest-free part required by the notice), and no interest will be generated. Please decide whether to apply for deferred repayment of principal after comprehensive consideration.
The development bank will not attach unreasonable conditions, request transfer and remittance or ask for personal information on the grounds of interest avoidance and repayment delay. If you receive such emails, phone calls or text messages, please don't be credulous to avoid losses.
How to apply for deferred repayment of student loan 2 service scope
(a) the scope of students applying for deferred repayment of principal and interest
Borrowing students who should repay the principal in 2022. Graduates who have settled the national student loan before applying are not covered by this policy.
(two) apply for overdue records to adjust the scope of borrowing students.
Borrowing students who failed to repay in time due to the COVID-19 epidemic from the outbreak of new crown pneumonia to the end of 2022.
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If the application has entered the repayment period, it will be postponed for one year according to the application time; If the initial repayment date is before the end of 2022 and the borrower has not entered the repayment period at the time of application, the initial repayment date in the original repayment plan will be postponed for one year. After the application for deferred repayment of principal is submitted, if it meets the policy requirements, Bank of China will adjust the new repayment plan, and notify you by SMS after adjustment, or inquire about the latest repayment plan through electronic channels such as mobile banking.
After the application for adjustment of overdue records is submitted, China Bank needs to go through the corresponding audit procedures. If it passes, it will be notified by SMS, and the adjusted credit report can also be viewed in mobile banking or other official channels.
Bank of China will not impose unreasonable conditions to request transfer on the grounds of delaying repayment of principal and adjusting overdue records.
How to apply for deferred repayment of student loans 3 student loans can apply for deferred repayment under the following circumstances:
1, undergraduate, postgraduate, master's degree to doctor's degree (the loan can be renewed during graduate school, but the repayment period will be shortened accordingly after graduation).
2. Drop out of school due to illness, join the army, and support frontier/frontier construction (that is, support frontier/inland construction). (And this year's graduates will also enjoy the preferential policy of student loan compensation when they participate in "Three Supports and One Support").
Everyone needs to pay attention to:
1.The executive meeting of the State Council held on May, 20221/kloc-0 pointed out that in order to help graduates from poor families reduce their employment burden, it was decided to exempt the national student loan interest that graduates should repay this year and in previous years, and the interest-free funds were borne by the finance; And the principal can also be extended for one year.
2. Borrowing students who meet the extension conditions can go directly to the school student financial assistance center to find the relevant person in charge to apply for extension registration, and then apply for extension repayment through the college or by themselves to the loan handling bank.
After receiving the application for deferred repayment, the handling bank will adjust the repayment plan of the student loan if it is approved.