Student loans that exceed the repayment date agreed with China Development Bank will be regarded as overdue. The repayment date of the student-origin loan is before 65438+February 20th every year, and the loan will be repaid after graduation, and the longest period cannot exceed 6 years after graduation. 1. How long will you study in loans overdue? Student loans overdue is overdue on the repayment date. There is no grace period for repayment, and you cannot apply for deferred repayment. After graduation, 65438+February 20 is the unified repayment date, and the repayment date of the last year is September 20, which will not be postponed in case of holidays. 2. Repaying the principal and interest from the sixth year of graduation. The repayment date of principal is the same as that of interest. If the remaining loan term after graduation is less than 5 years, repayment shall be made according to the repayment plan agreed in the loan contract. Students who continue to pursue their degrees during the repayment period after graduation may apply to the county-level financial aid center and provide relevant written proof. After passing the exam, you can continue to enjoy interest-free during your study at school. 3. The students' student loan funds are directly transferred to Alipay, so the repayment is also deducted from Alipay account. Students only need to ensure that the account has enough funds before the repayment date, and the system will automatically deduct the money. 4. In addition to timely repayment, student-origin student loans also support repayment, but they need to be applied in advance. After the application is successful, the money will be deposited in Alipay and deducted automatically on the repayment date. After applying for prepayment, if the funds in the account are insufficient to pay the interest payable for prepayment, the application shall be deemed invalid. 5. Student loans are connected to the credit information system. If the student fails to repay the loan within the time limit, it will be shown in his credit report. Student-origin student loan is actually a student-origin student loan, which is a loan provided by China Development Bank for qualified college students who cannot pay tuition fees due to financial difficulties. You can borrow up to 8,000 yuan a year, which can cover tuition, accommodation and living expenses. Student-based student loans do not require students to pay interest, but are completely supplemented by the state, but students need to meet certain conditions.
Second, what do you mean by the cumulative overdue and the longest overdue period of student loans for bank credit problems?
The cumulative number of overdue periods refers to how many times you are always overdue, and the maximum number of overdue periods refers to how many consecutive installments you have failed to repay according to the conditions.
3. What does it mean to be a student in loans overdue?
It has exceeded the time limit and cannot be handled externally.
4. What does it mean to partially repay the student loan?
1. Normal repayment Under normal circumstances, students begin to repay the interest on an annual basis from September of the year of graduation 1, and begin to repay the principal and interest two years later. February 20th every year is the normal repayment deduction date of China Development Bank. Please log in to the Student System of Student-origin Student Loan of China Development Bank 165438 after October 20th every year to inquire about the principal and interest to be repaid this year, and deposit the money into the corresponding loan account before February 15, and the bank will deposit the money into the corresponding loan account.
2. You can apply for prepayment every month from 1 to 10. Early repayment requires paying off all debts in one lump sum. Borrowing students must apply for a new student-origin student loan in the student system of China Development Bank before 10 every month or apply to the teacher of the local county financial aid center, and deposit the full amount of funds into the corresponding repayment account before 15 that month. Our bank is on the 2nd of every month.
If Alipay is used for repayment, Alipay will deduct the photo email from the student's personal Alipay account on the prepayment deduction date and feed it back to the borrowing student. Students can log on to the online system to check the results of prepayment.
3 overdue repayment fails to repay the principal and interest of the loan on time according to the time limit stipulated in the loan contract, which is overdue repayment. Overdue repayment record.
On June 5438+00 every month, the Student System of Student-origin Student Loan of China Development Bank will automatically calculate the principal and interest and penalty interest of overdue students. Students who are overdue can log in to the student system to check the overdue principal and interest and penalty interest until the 20th of the month, and automatically deduct the overdue principal and interest on the 20th of each month. Please deposit the overdue principal and interest into the corresponding repayment account in time to avoid more penalty interest.
Extended data:
Problems that should be paid attention to in student-origin loan;
1. Loan amount:
The loan amount does not exceed 8,000 yuan per person per academic year, which is used in principle for the tuition and accommodation expenses of students during their school days. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
2. Term of the loan:
In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the loan term shall not exceed 65,438+0 years, and shall be phased year by year according to the loan contract.
The two-year grace period is for students at school and after graduation. 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. Students who have studied for more than 4 years for further study (including graduate students and loan students) will be shortened accordingly.
3. Loan interest rate:
The interest rate is the benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance, and the annual interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
The student's place of origin is charged annually, and the repayment date is 65438+ February 20th every year. Student discount, after graduation, the interest will be shared by the students and their parents (or other legal guardians).
4. Discount policy:
According to the national student loan regulations, the loan interest after the student loan business shall be borne by the borrower.
(1) interest. Students admitted to universities directly under the central government during their school days will be subsidized by the central government. Students are admitted to local colleges and universities, and cross-provincial financial commitment; In this province, it is borne by local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.
(2) Risk compensation. The special fund for risk compensation of student loans, the risk compensation ratio is 15 of the loan amount of the current year.
(3) Discount interest and risk-taking Discount interest and risk compensation are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th every year, it will be allocated in full and on time to the handling bank that carries out the student-origin credit loan, and the handling bank will implement special account management, which is mainly used to make up for risks and strengthen management.