As a student in loans overdue, the borrower should log in to the student loan system of China Development Bank in time for repayment procedures, and then call the bank's customer service phone in time to explain the specific situation, indicating that he is not maliciously overdue and will definitely repay in full and on time in the future. The specific repayment steps are: 1, log in to the student loan system of China Development Bank, and then log in to the personal account on the login page; 2. Then query the repayable principal and repayment date in "Principal Repayment Plan Query"; 3. Then click "Application Center" in the upper right corner, and then find "Student Loan Repayment" to apply for repayment; 4. Click "I want to repay" and enter the ID number and account name to inquire about repayment information; 5. Recharge according to the repayment amount. Loans overdue, where do the students come from and how to remedy them? After the loan student is overdue, he will pay off the principal and interest and overdue penalty interest in time, and then tell the bank that he did not intentionally overdue, and try to prevent the bank from uploading overdue records to his credit information. If the credit information has been uploaded, you can ask the bank for proof of non-malicious overdue, so that the pass rate will be higher when applying for loans in the future. Student-origin student loan is not the same as general loan, but it is always a loan product. After loans overdue, the lender will be reminded. At first, the overdue loans were students' own. If you can't contact the students themselves, or the reminder is useless, then ask their co-borrower. Article 32 of the General Principles of Loans: The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on time. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it should be urged to repay or repay according to law. The borrower shall negotiate with the lender when repaying the loan in advance. If students are allowed to help loans overdue alone for a long time, the consequences will become more and more serious, the dunning will not stop, and even the personal information of overdue students will be revealed, which will affect students' life after entering the society.
Second, what will happen to Baidu's financial student loan?
Baidu Finance (the brand has been upgraded to Xiaoman Finance) has been connected to the central bank's credit information system. If malicious arrears will affect your personal credit status, please repay in time to maintain good credit.
3. What will happen if the student loan is not repaid on time?
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). Fourth, what will happen if the student loan is not available?
The previous two students have made it very clear that the student loan is a loan problem between you and the bank. If you don't pay it back, it will cause a bad credit record and affect your future credit card application and loan. Finally, the bank will send you a reminder letter, and if you haven't paid it back, you will pay it back.
If you can't repay the loan, please check with the local people's bank.
Credit is priceless, please cherish your credit record.