First, common sense of repayment

1. Repay the interest on time within the grace period. Students begin to bear the loan interest on September 1 day of the year of graduation, and repay the interest in the first year before 65438+ on February 20th of that year, and then repay the interest on time before 65438+ on February 20th of each year.

2. Repay the principal on time after the grace period. Two years after graduation, students began to repay the principal for the first time before February 20, 65438, and then repaid the principal on time before February 20, 65438.

3. Repay normally every year. Every year from165438+10.21to 65438+20.2, students can check the principal and interest to be repaid each year through the online student loan system of China Development Bank.

4. Overdue repayment. In the following year, overdue repayment can be made before 20th of each month, but the default interest on overdue principal is required (contract loan interest rate 130%).

5. Repay in advance. Every year from June 65438+ 10 to June 65438+ 10/0 to June 1 0, students submit an application for early repayment through the student online system of China Development Bank (or contact the county student aid center to apply for repayment), and go through repayment procedures before the 20th of each month. When repaying in advance, the principal and interest under the contract must be paid off in one lump sum.

6. Every year 1 1 month is the time for the system to settle interest in advance. If you don't accept repayment, Alipay can't deduct money.

Second, the query method of student repayment principal and interest

1. Log in to "Student Online Service System for Student-origin Loan" and select "Student-origin Loan" and "ID Login".

2. Select "Province", "City", "County" and "Funding Center".

3. Enter the personal ID number.

4. Enter the login password. If the login password is wrong, you can contact the county student financial assistance center to reset the password.

5. Enter the verification code to log in to the system.

6. In the menu bar "Loan and repayment inquiry", you can inquire about the principal and interest that the loan student should repay, and the repayment account number (Alipay account number, or rural credit cooperative account number, postal savings account number).

Iii. Repayment process of college students' loans without Alipay accounts (referring to rural credit cooperative accounts and postal savings accounts)

1. After logging into the system to inquire about the students' principal and interest, contact the county-level student financial assistance center through 1 to 10 every month to inquire about the repayment method and repayment account information, and deposit the repayment funds into the repayment account designated by the county-level student financial assistance center.

2. On the 20th of each month, the county financing center will deduct the repayment funds from the China Development Bank.

3. In June of the following month 1, contact the county student aid center through the "student online service system" or telephone to inquire about the repayment situation.

Four, has opened the Alipay account of college student loan repayment process (Alipay account)

1. After logging in the system to check the principal and interest that students should repay, students log in to Alipay website every month from 1 to 10, and enter Alipay account name, login password and check code on the "Personal Login" page.

2. After logging in successfully, click "Recharge Now".

3. Choose the online banking channel (online banking that requires students to open bank cards first).

4. Students fill in the recharge amount according to the repayment amount, and click "online banking recharge".

5. Jump to the corresponding bank webpage, fill in the online banking and password, and complete the recharge.

6. On the 20th of each month, Alipay will automatically deduct the money.

7. After the next month 1 day, log in to Alipay, or log in to the student online service system, or contact the county financial aid center to check whether the automatic deduction is successful.

8. If there is no automatic deduction, you can call Alipay hotline.

Five, Alipay recharge repayment (refers to the students will not use Alipay repayment, entrust others to do it)

1. After logging in the system to inquire about the principal and interest that the students should repay, log in to the Alipay account of the client from June 5438+05 to the 20th of each month.

2. Select "Application Center", "Repayment" and "Repayment of Student Loan", and click to view "Function Demonstration".

3. Click "I want to repay" and enter "Repayment Student Alipay Account", "Repayment Student ID Number" and "Verification Code" to inquire about repayment information.

4. Inquire and confirm the repayment amount of students, select online banking, and directly recharge the repayment.

5. The customer inquires about the "transaction record", prints the "record details" and keeps the repayment voucher.

Second, how to repay college students' loans

Find a job after graduation, and then pay the principal and interest. Put the money on the card and consult your tour guide and bank.

Third, how to repay the student loan?

According to the national student loan policy, students who apply for loans do not need to pay interest during their normal study at school, but are subsidized by the government. But from September 1 of the year of graduation, they have to bear the loan interest.

The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise. The current annual loan interest rate is: 1 to 3 years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%.

It is reported that the national student loan adopts the cumulative interest-bearing method, and the interest is charged every year according to the actual number of days.

The formula of cumulative interest method: interest = cumulative interest × daily interest rate.

Among them, accumulated interest product = total daily balance of the account.

The value date is the date when the Development Bank issues the loan, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last year of the loan is September 20th).

Expand data

The credit loan interest rate of the students' origin is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and does not rise. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is borne by the students and their parents (or other legal guardians).

National student loan interest

1. National Development Bank student loan interest

First, the National Development Bank student loan interest is divided into the following two situations:

1. The interest of the interest-free student loan of China Development Bank during the school period shall be borne by the state, that is, there is no need to bear interest during the school period.

Earn interest after leaving school One-time repayment after graduation is interest-free and needs to be repaid in installments. The longest repayment period of student-origin student loan is longer than that of national student loan. To put it bluntly, the total principal and interest is greater than the student loan, and the repayment pressure is heavier than the national student loan.

Student-origin credit student loan refers to the student-origin credit student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled by the county (city, district) where the students are registered before entering school.

The funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan.

Two, the National Development Bank student loan interest calculation method:

For loans within six months (inclusive), the annual interest rate (%) is 5. 10.

For loans from half a year to one year (including one year), the annual interest rate (%) is 5. 10.

For loans of one to three years (including three years), the annual interest rate (%) is 5.50.

For loans from three years to five years (including five years), the annual interest rate (%) is 5.50%.

For loans over five years, the annual interest rate (%) is 5.65%.

2. The student financial aid policy of this university

Which students can apply for national student loans on campus?

Full-time college students (including higher vocational students), second-degree students and graduate students with financial difficulties can apply for national student loans from the handling bank through the Student Financial Assistance Office of our school.

How many national student loans can a student apply for on campus each academic year?

According to the relevant provisions of the national student loan policy, the loan amount of each student in each academic year should be the difference of the students' total annual income (including family, relatives, other funding sources, etc.). ).) as well as school tuition, accommodation and local basic living standards. The maximum loan amount per student in this college is not more than 8000 yuan per year, and the maximum loan amount per student in graduate school is not more than 12000 yuan per year.

How is the interest rate of the national student loan on campus stipulated?

The interest rate of national student loans in schools shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. In case of interest rate adjustment, it shall be implemented according to the relevant regulations of the People's Bank of China.