If you don't deal with the bank in the future, your bad credit will be entered into the credit information system and the bank will report you. It is impossible to borrow money in the future, which is the lightest. If the debt reaches a certain amount, it will be forced to repay if the case is lost.
Second, how long will the university student loan be repaid after graduation?
1. How many years is the repayment period of college student loans after graduation?
Student loans are generally repaid monthly according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month without paying the principal; From the third year to the sixth year after graduation, you need to repay the principal and interest at the same time every month. From the third year to the sixth year, divide your total loan by 48, which is the monthly principal payable. It must be paid off in full within six years after graduation. Repayment method of student loan: before graduation, students will pay off in one lump sum or by stages; After graduation, the work unit will return all the loans to the loan issuing department; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; Depending on their performance, the graduate work unit decides to reduce or remit the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.
The loan repayment period for college students is 6 years after graduation.
Student loans are generally repaid monthly according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month without paying the principal; From the third year to the sixth year after graduation, you need to repay the principal and interest at the same time every month. From the third year to the sixth year, divide your total loan by 48, which is the monthly principal payable. It must be paid off in full within six years after graduation.
Second, the repayment period of the student loan? Student loans are generally repaid monthly according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month, without paying the principal.
1. After graduation, you need to repay the principal and interest at the same time every month from the third year to the sixth year. From the third year to the sixth year, the total loan divided by 48 is the monthly principal payable. It must be paid off in full within six years after graduation.
2. The monthly interest rate of the loan is about 6‰, and the monthly interest is the unpaid loan principal multiplied by 6 ‰.
3. Generally, when you graduate, you will sign a repayment agreement with the bank, and the monthly repayment amount is basically a fixed figure. Of course, if you have the repayment ability, you can choose to pay it off at any time within 6 years after graduation. Before paying off, repayment must be made in accordance with the above provisions.
4. Before graduation, the school will handle a bank card specially used for repayment. The monthly interest after graduation should be deposited in the card on time and in full at the beginning of the month, and the bank will automatically deduct it on a fixed date every month. So you need to make sure you have this card. If you want to pay off the principal in one lump sum, you must go to the loan bank where the school is located. If you don't have time to go back, you can give money to your friends and let them do it for you. One-time repayment of the principal cannot directly deposit the money into the card, which is invalid.
In order to be sure, you still need to get in touch with the school and know the specific regulations of the school. There will be an office dedicated to student loans under the student office of a general school. Just try to contact them. If you don't have that card, you need to go to the bank where you borrowed money to apply for a special bank card for repayment.
3. Should I repay the student loan every month during my college years? Yes, you only need to pay interest after two years of graduation. Description of repayment of student-origin student loan:
1. Two years after graduation is a grace period, during which students can only pay interest and cannot repay the principal. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
2. Repay the loan principal. The fixed repayment date is 65438+February 2 1 each year (the last year of the loan is August 3 1 of that year). After entering the repayment period, the borrower shall deposit the repayable loan principal into the repayment account five working days before today (65438+February15th) in strict accordance with the repayment plan of the loan contract.
3. Repay the loan interest. The annual interest payment date is 65438+February 2 1 (the last year of the loan is August 3 1 of the current year), and the interest will be paid off with the principal at the last repayment. Borrowing students shall deposit the loan interest payable into the repayment account five working days before the interest payment date every year from the graduation year.
4. When the student settles the contract, the financial aid management center does not open any formalities, and the transaction records can be queried in Alipay as repayment vouchers. If the borrower repays the loan according to the normal repayment method, it may repay the loan by installments. However, if the borrowing students want to repay in advance, they need to pay off in one lump sum and cannot apply for prepayment and installment repayment. The national student loan is a welfare loan policy for poor college students. Borrowing students apply for loans during their college years, and the interest is subsidized by the state. The borrower does not have to pay any interest. Interest is calculated according to the benchmark interest rate in September of the year after the borrower graduates from college. After applying for the national student loan, the borrower must repay the loan on time and in quantity, and overdue repayment will affect the personal credit record. If it is serious, it may affect the loan to buy a house in the future.
3. Is the repayment of the university student loan in the first year or the second year of graduation?
The repayment time of the national student loan shall be subject to the repayment time agreed in the contract. Under normal circumstances, the annual repayment time is 65438+February 20th, and the repayment time of the last year is September 20th. If the repayment is made in advance or overdue, the repayment time of the national student loan will change.
If it is normal repayment, the repayment time shall be subject to the agreement in the contract. Usually, the repayment time agreed in the contract is 65438+February 20th or September 20th. Loan students need to recharge the payable amount to Alipay account 5 days in advance, and then wait for the system to automatically deduct the money.
Grace period for repayment of principal
Repayment students who do not continue their degree in the year of graduation may choose to use grace period to repay when confirming the repayment plan with the handling bank. Students who borrow money during the grace period only need to repay the interest, not the loan principal. The repayment period is extended from 2 years to 3 years.
The repayment period starts from the confirmation of the repayment plan and ends at the 36th month after the borrower graduates. Borrowing students who continue to pursue their degrees during the repayment period can still enjoy a grace period of 36 months after graduation.
4. How long will the university student loan be repaid after graduation?
After graduating from college, I will repay the student loan regularly every year. Before or after graduation. There will be some interest, but the interest is relatively low, and you can pay it back if you can.