I paid off the loan, so I shouldn't confiscate the house, because you are still studying, unlike people who have jobs in society. First of all, you should check your loan contract, repayment period and repayment method, and there are some additional conditions, such as repayment after completing your studies, repayment by installments, or one-time repayment. Read the contract carefully. If the above deadline comes, it is normal for the bank to urge you, but it doesn't matter. Find the bank you borrowed, that is, the bank filled in the contract, and take the initiative to contact the bank to explain the situation. He might ask you. If you don't contact the bank yourself, your credit will be reduced. Now there are contacts between banks, which will affect your future loans, and then you will have to pay extra liquidated damages.

Second, what are the consequences of not repaying the student loan?

The consequences of studying in loans overdue

1. Overdue records are automatically recorded in the basic database of personal credit information of the People's Bank of China, which can be viewed by all banks and relevant institutions.

2. If it is overdue for 90 days in a row, no bank will handle financial services such as house purchase and car loan for you.

3. If it is overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. In case of malicious default or intentional default, the bank will. If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected. Pay attention to repayment on time and try not to be overdue. If it is overdue, it may have an impact on everyone's future credit. After all, this is everyone's first loan and the repayment amount is not high. At present, five years overdue can be eliminated, and the individual is seven years, but no one can say what will happen in the future. After all, now that the train tickets are all real names, the credit stain may follow us all our lives. In order to avoid overdue, you should provide the latest contact information to the school or bank at any time, and the school and bank will remind you in time when overdue; Pay attention to the change of loan interest rate and adjust the deposit amount in time (only for national student loans). Can't afford the college student loan: Apply for an extension: According to the contract, the bank will also allow an extension if the student applying for the student loan continues to pursue his degree. Even after graduation, the bank will allow an extension to a certain extent. Application for repayment: In July this year, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission issued "Several Opinions on Perfecting the National Student Loan Policy", which not only extended the maximum term of the national student loan from 14 to 20 years, but also established a national student loan repayment assistance mechanism to help students with special difficulties in graduation. For graduate students who have lost their ability to work due to illness, their families have suffered from major natural disasters, their family members have suffered from major diseases, and their economic income is particularly low, if they really can't repay on time, they can apply to the agency for assistance and provide relevant written certificates. After verification by the agency, they can start the aid mechanism to compensate their principal and interest. In addition, according to the contract, parents often have to bear joint and several repayment responsibilities in student loans. When their children are unable to repay the loan, the bank has the right to ask their parents to bear the obligation to repay the loan and help them complete the unfinished road of repayment.

Third, does the repayment of college students' aid to loans overdue affect the loan?

It will affect it.

What are the consequences of the loan money?

If it is really unable to repay, negotiate, extend the repayment period or return it in installments;

If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement;

When accepting enforcement, the name of the lender will be inquired according to law;

If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.

Four, student loan students must bear the consequences of breach of contract is

The consequences students must bear when they breach the loan are as follows: 1. If the national student loan student fails to repay according to the time limit and amount agreed in the repayment agreement signed with the bank, the bank will charge a penalty interest on the amount of the default repayment; 2. The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for the national financial institutions to inquire according to law; 3. Take compulsory measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans; 4. Lenders who seriously breach the contract will also bear relevant legal responsibilities. Legal basis: Article 3 of the General Principles of Loans: The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity. What are the precautions for student loans? 1. Frequency of signing loan contracts: In order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student-origin student loan contracts should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time; 2. When signing a contract to renew the loan, the borrower or * * * with the borrower can handle it with the power of attorney; 3.* * * Same borrower: * * The same borrower is the borrower's parents or legal guardians in principle, and the household registration before entering school must be the same as the borrower himself; 4.* * * If the borrower is not a parent, he must be between 25 and 60 years old. If the borrower is over 60 years old, please change the borrower. 5. Materials required for the initial application of student-origin student loan: sealed application form, borrower and borrower's ID card, college admission notice and a copy of the above materials; I and the * * * borrower only need to produce the household registration book, without a copy; Other materials that need to be provided by the funding center.