Why do you regret not paying back the student loan?

The consequences of not paying back the student loan are so serious! I don't know yet. What a loss!

As we all know, student loan is a welfare policy implemented by the state for students with poor family economic conditions. Only after graduation, interest-free during school. If you don't repay the loan, you will receive penalty interest and so on. Many students don't understand why the consequences of not paying back the student loan are so serious. Let's talk about it briefly today.

The consequences of not paying back the student loan are so serious!

1. Credit report: Like other loans, student loans need credit reports. If it is overdue, it will be reflected in the personal credit report, and this record will always accompany them, which may affect the job search after graduation.

2, into the academic system: now go to work in the unit, the company will ask for proof of the student status network, which includes some personal information and academic situation of students during their school days. It is said that if the student loan is not returned, the record can be found in the educational administration system.

3. Penalty interest: Although the student loan is interest-free in the school, the overdue fee is still charged, which is about twice the basic interest rate according to the overdue amount and the number of days of the customer.

4. Legal liability: After loans overdue, you still have to bear the responsibility, not to mention the bank money. If it is judged as malicious overdue and defrauds loans, it may bear legal responsibility.

These are the possible consequences of not paying back the student loan. I feel that the student loan is originally a subsidy welfare policy, which is already very favorable and the amount is not much. For customers who have graduated, there is little stage pressure. Besides, this is my obligation, and I should not be contaminated with "bad credit" just after graduation.

Disadvantages of student loans

Student loan was originally an opportunity for the country to provide some students with excellent grades but poor family conditions with learning, but it has both advantages and disadvantages, so I would like to share the disadvantages with you today, hoping that you will pay attention to it and prevent this from happening.

The disadvantage of student loans is that students' failure to repay on time will affect their credit. Because the credit information systems of China Development Bank and China People's Bank are networked, the information of student loans will be recorded. As a student, credits are also very important. Students will face the situation of work when they enter the society after graduation. Some work units will ask you to show your personal credit report at work. If your personal credit report is not good at this time, then the work unit can't accept you.

As long as students can repay their loans on time, student loans have no disadvantages, only benefits. The advantages are:

1, discount during school. Students don't have to repay the principal during their study in school, and the loan interest is subsidized by the government, so they don't have to repay it themselves;

There is a grace period of three years to repay the principal. Students only need to repay the loan interest in the first three years after graduation and the principal in the fourth year. Moreover, within three years of graduation, students should have found a job and have the ability to repay;

3. Low interest. The interest on student loans is subject to the benchmark interest rate of the People's Bank of China, and does not float.

Therefore, for student loans, we should be grateful, make good use of the subsidies given by the state, study hard at school, and live up to the expectations of the state and the efforts of parents.

Why do you never have to worry about repaying loans after graduation?

Student loan is an important measure for the state to subsidize students from poor families in colleges and universities, and it is a very good policy for the majority of poor students.

Because the state subsidizes loans when studying at school, but interest will be calculated after graduation, many college students will rush to repay the loans in order to save some interest after finishing college. In my opinion, this is very unwise and it is very unfavorable to repay the loan in advance.

Although the media has been reporting that graduates should repay their loans as soon as possible after graduation, otherwise their credit will be affected. It is undeniable that the loan must be repaid, but it is not a wise choice to repay it after graduation.

First of all, let's look at the impact of loans overdue's non-return or direct non-return.

(1) Load the default student information and borrower information into the personal credit information system of China People's Bank. Once the bad credit record is loaded into the personal credit information system, it will directly affect the application and use of almost all financial products related to financial institutions, such as personal credit cards, house purchases and car loans. Students and borrowers in arrears.

(2) Load the information of the defaulting students into the graduate education inquiry system, and inform the defaulting students and * * * employers with borrowers. This has a great impact on the employment of students who break their contracts and take various social recruitment examinations.

(3) If the loan principal is not repaid on time as agreed in the loan contract, the normal loan interest rate 130% penalty interest rate shall be charged according to the actual overdue amount and overdue days.

(4) Lenders who seriously breach the contract will also bear relevant legal responsibilities.

Look carefully. It's really serious. It's really serious. Yes, so the loan should be repaid on time after graduation. I'm not asking you not to return it here. I'm just telling you that even if you borrow money to save some interest after graduation, you must not pay it back. You know, the cost of social financing can be very high now, and it is difficult to borrow money from the bank after you pay it back.

Why not worry about repaying the loan after graduation? Not only that, we can borrow as much as we want during college.

1, I believe that some time ago, everyone paid attention to the naked strip. Many college girls are desperate for money and give their nude photos to others just to borrow thousands of dollars. Moreover, the weekly interest rate reaches 30%, and it is still rolling interest. It's terrible to think about it. Suddenly, it's a good thing that the country lends you 6000 yuan a year to help you pay interest. Therefore, you can borrow as much as you can, so that your family can reduce the pressure, and you don't have to sell your body to borrow usury when you need money badly.

2. Repay the loan after graduation. Is there really that much money? Many students used to go to school by loans, but they have no money after graduation, so they have to borrow money everywhere, ask family, relatives, friends and classmates, and look for all the relationships they can find. Finally, they got a loan, but looking back, they owed a lot of people. There is no need to repay the loan, just save some interest, which is not worth the loss. You know, in a foreign land, human feelings are the hardest to repay.

Freshmen have just graduated, and the salary will not be very high from the grassroots level. After deducting the rent and meals, it's basically gone, and I have to save some money to repay the loan every month. You can imagine how much pressure there will be. Isn't it that people struggle to make their lives better? Why do they live so hard? Just wait to repay the loan. The loan has a grace period of two years, as long as the interest is repaid. In the past two years, you will try your best to get a promotion and raise your salary, and it will be easier if your salary rises.

Everyone knows that the cost of social financing is very high. When we have the idea of starting a business but suffer from insufficient funds, we need loans. Let's not talk about usury such as naked strips. Let's talk about P2P. It takes more than 10 to borrow money from P2P. Compare with the loan from the bank, which only charges 6% interest a year. Think about whether it is very cost-effective. So don't borrow money to repay the student loan, but borrow a loan with higher interest rate when you need the money, which will lead to a big loss.

Some people may say that I don't have the idea of starting a business and don't need money. I just want to pay it back as soon as possible and pay less interest. For students who have this idea, I will give you the most stupid method. Is the annual interest rate of 6% on a loan high? But don't you know that there are many excellent P2P platforms with interest rates higher than 6%? If you have no idea, you will invest the money you intend to repay the loan in P2P. We don't want to see platforms where 20% interest rates can't be moved. None of them are reliable. We can still find a one-year 10% interest rate, so it is not easy to earn a 4% spread. This is the way to make money. For many people, this is a lazy way to make money.

Finally, the national student loan must be repaid. When we couldn't afford to go to college, the state lent us money, and this kindness must be repaid. But when it is still in our hands, as long as we return it on time. After reading so much, don't be silly to repay the loan after graduation. This is a very bad practice. As long as we make a good plan, we can not only repay the loan on time, but also reap a fortune.

Consequences of not repaying student loans

For reference.

First of all, you may have great difficulties, but it is not correct to have this idea of not paying back;

Secondly, at present, the national unified personal credit information basic database organized by the People's Bank of China for commercial banks has been officially put into operation, and your relevant credit information has been entered into the database and become a part of your credit record.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you handle loan business in the future, the loan bank will refer to your credit history comprehensively.

Finally, student loans can generally be paid off within six years after graduation. Compared with the loan amount, the repayment period is longer and there is enough time to repay. The bad credit record caused by impulsiveness cannot be compensated by the amount of student loans.