Staging education refers to a payment mode in which some schools and institutions with training qualifications pay tuition fees for students by stages. It is not a loan, and the tuition fee is basically interest-free. It is a good choice for students or parents who need to pay high tuition fees at one time. Installment payment can reduce the financial pressure and psychological threshold of students or parents, increase the purchasing power of customers for schools and educational institutions, and help educational institutions fully tap potential customers.

How to cancel the training loan by stages?

Legal analysis: 1. If the loan has not been issued at the time of loan, the loan can be cancelled. If a contract is signed, but there is no loan, it will be regarded as early repayment and the liquidated damages will be paid according to the contract.

1. This breach of contract is recorded in the personal credit record;

2. The expenses incurred at the initial stage of the loan will not be refunded or supplemented;

3. It is necessary to inform the bank of the reasons for not taking the loan;

4. Sign an prepayment contract with the bank;

5. Pay a certain penalty;

6. It will have a certain impact on future loan applications.

Two, the loan is approved but does not want to use, you can cancel without signing a contract, as a waiver of the loan.

1. No fine is required;

2. The preliminary formalities fee will not be refunded;

3. Affect the bank to apply for loans again in the future;

4. It is recommended to inform the bank in advance and explain the reasons for not using the loan.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 538 Where the debtor disposes of the property rights and interests free of charge by giving up the creditor's rights, giving up the guarantee of the creditor's rights, transferring the property free of charge or maliciously extending the performance period of the due creditor's rights, which affects the realization of the creditor's rights, the creditor may request the people to cancel the debtor's behavior.

Article 539 Where the debtor transfers the property at an obviously unreasonable low price, transfers the property of another person at an obviously unreasonable high price, or provides a guarantee for the debt of another person, which affects the realization of the creditor's rights, and the debtor's counterpart knows or should know the situation, the creditor may request the people to cancel the debtor's behavior.

Article 540th The scope of cancellation right is limited to creditor's rights. The necessary expenses for the creditor to exercise its right of cancellation shall be borne by the debtor.

How to repay student loans in installments

Student loans are interest-free only when students are in school. Interest will be calculated from September 1 after graduation. Student-origin student loans are different from national student loans. There are two kinds of student loan repayment, one is normal installment repayment, and the other is early repayment.

Normal repayment:

Every year, 65438+February 30th is a fixed repayment date, including interest and principal repaid in installments (the last principal and interest will be repaid on September 20th). Two years after graduation is a grace period, during which the borrower can not repay the principal according to the loan contract, but needs to pay the interest in full on schedule; After the grace period, the loan principal will be repaid in installments according to the average capital method (a bit like bank mortgage), and the interest will be paid in full. After the borrower graduates, the students and the borrower fully recharge the funds to the repayment account on time.

Repayment needs to register a real-name Alipay account, log in to the student online service system to inquire about the repayment plan, and then deposit the repayment amount in full into Alipay's associated account before 65438+February 65438+May, and log in to the student online service system to inquire about your repayment situation on February 30, 65438.

Advance payment:

Early repayment must pay off the existing loan amount in one lump sum. You can apply for prepayment from June 1 to June 10 every year before 10, and the interest is calculated until the 20th of the current month. Apply after the current month 10, apply for prepayment next month, and interest will start to accrue on the 20th of next month. Before 15 every month, the full amount of funds will be recharged and deposited into the personal Alipay related account for repayment. If the funds are insufficient, the application for prepayment will be automatically abandoned, and the application can be continued next month without overdue treatment.