Nowadays, it is not uncommon for college students to borrow money. For the phenomenon of college students, many college students should be stopped. They have no money to borrow some money to live a rich life. In fact, loans are not a good phenomenon. Some people choose to commit suicide just because the amount of loans is too large to repay.
There are many channels for loans now, and there will be loans on various apps. Therefore, more and more young people rely on loans. In fact, loans are not a good phenomenon. Nowadays, many people like gambling. Without money, they will choose loans, and many people lack hundreds of thousands of loans. Eventually unable to repay, choose to leave this world. This makes the family ruined, so the state should take strict measures. College students, in particular, are forbidden to borrow money, because their parents usually give them living expenses when they go to college. It is precisely because of extravagance and waste that they make the living expenses insufficient.
Now many college students will choose loans. Their life is unimaginable to many people, and they are proud at school. Inviting classmates to dinner will cost a lot of money, but they don't have much money. Yes, they will choose a loan. At first, I would ask my friends to borrow it, but in today's society, borrowing money is particularly hurtful, and many people are reluctant to borrow money. So they will choose loans, in fact, such behavior is not correct. We must crack down on the behavior of college students' loans, and these platforms must not lend to college students.
In fact, as a college student, you must develop a good consumption concept. If you make regular loans, you will get more loans after entering the society. Because of the great pressure at work, you have little pressure at school. With so many loans at school, your loan pressure will be even greater in society.
Therefore, college students should never take out loans. Sometimes a loan can ruin your life.
What is the maximum loan for college students? Can I repay the student loan in advance?
What is the maximum loan for college students? Can I repay the student loan in advance? First of all, for college students who have just entered school, if they can apply for a student loan from the bank because of family difficulties, the student loan will enjoy the discount policy given by the state during the whole university period. The loan is interest-free, and the interest will be calculated according to the benchmark interest rate stipulated by the state after graduation. So, what is the maximum loan for college students? Can I repay the student loan in advance?
What is the maximum loan for college students? The state has a special student loan channel for students from poor families, which belongs to the national public welfare service and can be obtained without interest or mortgage. This loan channel needs to be organized by the school when enrolling students. The loan period is slightly longer, and the materials submitted are more reviewed. Generally, college students can borrow 3,000-5,000 yuan each semester through student loans, and begin to pay back the money after graduation. In addition, there are students' loans, and accommodation fees and tuition fees are required to use the loans. There are also strict restrictions on loan conditions and loan materials, but compared with student loans, the loan amount is generally around 2000-5000 yuan.
Can I repay the student loan in advance? At present, there are two repayment methods for student loans, Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest.
I. Alipay Repayment
1. Before the monthly 10 of the student loan prepayment of China Development Bank, log in to the student loan information network of China Development Bank, find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.
2. Find the prepayment application and apply for prepayment as required (except that the prepayment application date is 1 to 10 every month, 1 1).
3. If advance payment is required, please click the "Add" button to enter the advance payment adding page.
4. In the new page, select the corresponding contract number, and the information to be filled in will be displayed. After confirming the information, click "Submit" to complete the new operation.
5. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.
6. After the accounting processing cycle is 10 per month, the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month.
7. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply.
8. For specific repayment records, please check your loan background repayment records.
Second, the bank repayment
1. Before going to the bank, be sure to bring all the materials for handling student loans, as well as my ID card and bank card. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process.
2. After entering the bank, queue up to get the number, then go to the staff to get the application form and fill in all the contents in detail.
3. Go to the counter to handle the loan repayment procedures.
4. Send the repayment voucher to the relevant person in charge.
What is the maximum loan for college students? Can I repay the student loan in advance? The above are some introductions to this problem, hoping to help everyone. Among them, the student loan has no interest during the school period, and the bank begins to bear interest after graduation. Therefore, if conditions permit, it is best to choose to pay off early after graduation.
What if there are too many student loans?
Don't worry about this problem. It doesn't matter if there are too many student loans. After the school starts, the bank will transfer the student loan to the university you want to attend. After the school deducts all tuition and fees, the remaining money will be returned to your Alipay account, which you can use as daily expenses.
Student loans are generally based on the school fees you provide. If you don't need so many student loans, you can modify the loan amount when you apply for student loans in the second year and choose the amount that suits you.
Students from poor families can apply for student loans.
Student loan is a bank loan set up by the state and educational institutions to help students with financial difficulties. This bank loan is all interest-free and subsidized by the financial department. Therefore, it is very good news for outstanding students with financial difficulties, which means that the state will help them complete their studies, and they no longer have to worry about tuition fees.
Preparations for applying for student loans
So, what about student loans? Students who apply for student loans must first issue a certificate of family financial difficulties in the relevant local departments, hold their ID cards and student cards, and then write an application for student loans, which will be declared by themselves to the local educational institution or school, audited by the school, and finally completed by the bank, so as to issue student loans. Whether the student loan can be successfully handled mainly depends on whether the conditions for handling the student loan are met.
Don't worry about excessive student loans.
In fact, there is no need to worry about this problem. If there are too many loans, the extra money will be returned to your Alipay account after deducting tuition and fees, which can be used for your own living expenses. If you don't want to do this, you can reduce the loan amount and fill in the loan amount when you apply for a student loan in the second year, so there won't be too many loans.
What are the hazards of college students' campus loans?
Campus loan is a kind of nature. Criminals aim at colleges and universities, taking advantage of the poor social cognitive ability and psychological fragility of college students. I sorted out the dangers of college students' campus loans, welcome to read!
The Harm of Campus Loan
Recently, the Gulou police received an alarm about campus loans for help.
In the new semester, in the university campus, a large number of loan staging platforms of various sizes have flooded in, and campus loan accidents have also occurred frequently.
On March 10, a college student borrowed a campus loan from an online lending platform and failed to return it as scheduled, and was maliciously threatened by debt collectors.
"Someone sent me threatening text messages, saying that if I don't repay on time, I will tell my parents and the dean that someone will follow me. I have been desperately borrowing money, but the low interest rate mentioned at the beginning is not the case at all, saying that I don't have to bear the handling fee and late payment fee. I borrowed more than 1000 years ago, and I have to pay back more than 2,000 yuan in less than 2 months. I feel that I have fallen into a trap and I am getting deeper and deeper. " The unbearable Zhou had to call the police for help.
Gulou police said that the police will intervene, warn and stop illegal acts that may threaten Zhou's personal safety.
The police said that they disapproved of college students taking out loans in order to spend money or do business in advance. This kind of loan will increase their pressure, and college students should live within their means.
In fact, campus loans have many security risks for college students with low social prevention. Gulou police summed up the five hazards of campus loans:
1 "low interest" is not credible.
At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.
The more convenient it is, the easier it is to "grab"
Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.
3 Once overdue, the dunning is "all-round"
In some cases, once the student loan is not repaid, the online lending platform will not recover the money through proper channels. Instead, they will use threats such as sending text messages to parents, relatives and teachers, posting posters on campus, and even arranging people to stop them, urging students to pay their debts.
4 easy to breed lending habits
Some students love to keep up with the joneses and have bad habits, so the expenses provided by their parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.
5. It is easy to induce other crimes.
Lenders may use students' collateral and deposits on campus, or use students' information to make phone calls and defraud credit cards.
Harm of Bad Campus Online Loan Intermediary
"Campus online loan", a very active word in recent years, is often associated with negative events such as "jumping off a building" this year. In April this year, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Peer-to-Peer Lending in Bad Campus. The concept of "campus online loan" first appeared in official documents, but the word "bad" was added in the meantime. The photos of overdue repayment were exposed, and the arrears of 600,000 jumped off the building, and the loan was forced to be extended. In the recent vicious incidents of campus loan exposure, three key words are often inseparable: overdue, collection and penalty interest.
Chaos of campus online loan intermediary: robbing Peter to pay Paul
The annual interest rate of campus online loan platform is generally between 1 1%-20%. "At first, I felt that I would lose some interest, and I will be able to pay it back when I make money later." However, a "loan" begins, and then the "loan" is endless. After that, every month or so, we have to find a new platform to borrow money and rob Peter to pay Paul.
Searching for "college student loan" in Sina Weibo can get more than 1300 such accounts, and most of their blog posts are advertisements for campus loans. The advertisement is full of temptations: "Come to me if you want to help your girlfriend empty the shopping cart" and "There are dozens of loan platforms, with a maximum of 50,000 undergraduate students and 30,000 junior college students, and there is no charge for any payment".
Without the consent of the students' parents, loans may not be issued to students.
As a special branch of college students' online loan platform, campus online loan often does not need mortgage. Borrowers can apply for loans as long as they provide college students' identity information and pass the personal data review.
On August 15, the Chongqing Municipal Education Commission released a message, and the Municipal Finance Office, the Municipal Education Commission and the Chongqing Banking Regulatory Bureau jointly issued a document, listing eight negative lists for financial institutions and universities, and standardizing peer-to-peer lending behavior on campus. It clearly requires that "without the written consent of parents, guardians and other secondary repayment sources, loans may not be issued to students."
Reasons for the emergence of campus loans
Enter the words "college student loan" on the Internet, "the fastest 3 minutes to review, the next day loan", "just provide the student ID card to handle" and many other attractive information come to you instantly. At present, P2P online lending platforms for online development of student loans can be divided into several categories according to the main product types, namely, student loan platforms, student entrepreneurship loan platforms and student consumption loan platforms.
In fact, the reason why the consumer loan market for college students is so hot is mainly because college students' credit cards in banks are broken and college students have strong consumer demand.
Since China Merchants Bank issued the first credit card for students in 2002, many banks have aimed at the campus in the "staking the land" of credit cards. While the number of college students holding cards is rising, the overdue repayment rate of college students' credit cards is also rising. Because college students have no fixed income and poor self-control, there have been many incidents of college students' credit card overdraft. In July 2009, China Banking Regulatory Commission required banks not to issue cards (except supplementary cards) to students under the age of 18.
The reason why people focus on the market of college students is because the purchasing power of college students is very strong and the source of funds does not match it. Simply put, they dare to spend but have no money to spend: their income mainly depends on their parents, but collective life makes them compare and imitate each other unnaturally. In fact, open the website of the campus staging platform, and all kinds of luxury goods, such as iPhone6S, Xbox, high-end bags and perfume, come to my face. These high-end goods tempt college students like Pandora's box.
Click on the next page and there are more questions about campus loans.
How to deal with college students' excessive loans
If the loan has been approved and there are many loans, the remaining money can be used for students' daily living expenses, and the remaining money can be withdrawn. You can withdraw cash through the bank card that receives the money, or through the Alipay account that handles the student-origin student loan. As long as the loan is repaid on time, there is no problem.
If the loan has not been approved and you are worried that the application will not pass, you can contact the bank to withdraw the application and submit it after revision.
This is the end of Dachuan's introduction of college student loans. Did you find the information you needed?