Contact the loan bank directly after graduation and agree to pay back the money. There is no interest after graduation.
Second, how to repay the student loan? How to repay the principal and interest? Is it equal every year?
The so-called "equal principal and interest" means that the monthly amount is fixed, the principal is increasing, and the interest is decreasing. The sum of the principal and interest paid every month is the same, so you can't pay more. Either you pay part of the loan in advance, which will reduce the interest.
Third, how to repay the student loan?
For college students, how to repay after applying for student-origin student loans? The following is some information I have compiled about the repayment of student loans from students' places of origin for your reference.
Guide to Repayment of Student-origin Student Loan
1? Introduction: Every year, 65438+February 30th is a fixed repayment date, including interest and the principal to be 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.
2? , process
3? It should be noted that the loan students who have not adopted Alipay repayment method should be changed to Alipay repayment.
4. In order to prevent repayment failure due to small difference, the deposit amount at the time of repayment is 10 yuan, and the excess will not be deducted.
5. Alipay will send a reminder message 5 days before the repayment date.
Repayment method of Alipay account for student-origin student loan application
You can choose several ways to log in to the student source aid system of China Development Bank. Of course, if you are logging in for the first time, you can choose an ID card to log in. The password is usually the last 6 digits of your ID card. Remember, after the first login, remember to change the password. If the login is unsuccessful, remember to open the following branches and funding centers and call for advice.
After successfully logging into your student loan system, select "Personal Account Change" in the lower left corner.
At this time, in the pop-up page, click "Add" to remember that this is only for some students who did not have student loans in the early days to apply for Alipay accounts. Note that in the new page, when filling in the reasons, I personally suggest consulting the China Development Bank and local capital centers to see if there are other requirements for the reasons. Don't ignore this!
Next, you need to click Export in the previous step. Remember, print two copies. If your local funding center doesn't need it, you can entrust others to give this document to your local funding center. Of course, some of them can't work. You need to go by yourself, bring your ID card and the bank card you used to apply for a student loan.
Under normal circumstances, a few days later, when you log in to your student source system again, the audit will pass. Explain that you have successfully applied for an Alipay account!
At this time, you need to log in to Alipay official website and use the Alipay account number and password given to you by the China Development Bank student loan.
After successfully logging into this Alipay account, click "Account Settings" at the top left.
On the previous page, drag down and select Modify Login Password. In this case, you have to pay in the Alipay account in your hometown to complete the task.
Conditions of student-origin student loan
(a) student loan students must meet the following conditions
1. has the nationality of the people of China;
2. Honest and trustworthy, law-abiding;
3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);
The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.
Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district).
(2) * * * Same as the borrower.
* * * The same borrower is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.
Related articles on how to repay student loans from students' places of origin;
1. Repayment process of student loan
2. How to log into the student loan system of China Development Bank?
3. How to log into the student loan system of China Development Bank?
4. Model essay on student loan repayment commitment
5. Reflections on the implementation process of the national student loan policy
Fourth, how to repay the principal of the student loan?
Student-origin student loan is a kind of student loan specially provided for college students with financial difficulties. After the loan is successful, the borrower does not need to repay any principal and interest during the school period, but only after graduation.
The average borrower shall calculate the loan interest from September 1 of the graduation year. Student loans generally have a grace period of three years. During the grace period, the borrower only needs to repay the loan interest, not the loan principal, that is, the borrower needs to repay the loan principal from the fourth year after graduation, and the graduation year is the first year.
The repayment date of the student loan is fixed every year. The annual repayment date is 65438+February 20th, and the repayment date of the last year is September 20th. In fact, many borrowers still don't know how to repay their student loans.
At present, student loans can be repaid directly through POS machines or Alipay. Borrowers can directly log in to the student online service system to check their repayment amount, and then make corresponding repayment according to their repayment amount.
POS repayment method: the borrower can make repayment at the nearest financial aid center. General student aid centers will have corresponding POS machines for student loans, and the repayment can be successful by depositing the corresponding amount as required.
Repayment by Alipay: The borrower can directly log into his Alipay account, search for and pay attention to "China Development Bank Student Loan", click "Online Repayment" after paying attention, and enter the identity information as required to repay.
Repay student loans in advance
Student loans also support early repayment. Borrowers can directly go to the aid center or log in to the student online service system to apply for early settlement of student loans. After the application is successful, they can settle the student loan in one lump sum through Alipay.
It should be noted that if the borrower applies for early settlement in September or February, 5438+0, the interest will be calculated to the 20th of the current month before June, 5438+05, and if the borrower applies after June, 5438+05, the interest will be calculated to the 20th of the following month. If you apply for early interest settlement on June 5438+00 or June 5438+0 15, you should apply before June 5438+00, and apply for interest settlement on June 5438+05 and February 15. Therefore, if the user wants to prepay, it is recommended to apply for prepayment before September 15.