Can college students get interest refunds on online loans, is it true that college students can get

The interest already paid is non-refundable and will not be refunded unless you negotiate with the platform and the other party agrees to return it. You can negotiate, and if you can't reach a no-go, you can only settle the matter in litigation. If the online loan is owned by a licensed financial institution such as a bank or consumer finance, the interest cannot be refunded because the interest of such products is within the legal range.

Online loans are private loans, and the interest rate exceeds the user, and the user can apply to the lending institution to refund the interest if the interest rate is exceeded. It is possible to repay only the principal without paying the interest, and the state stipulates that the annual interest rate shall not be greater than %24, and the excess part is illegal.

However, college students should try not to borrow money on the Internet, as it will be easy to go astray.

The online loan of college students while in school can be refunded. If the online loan is owned by a licensed financial institution such as a bank or consumer finance, then the interest cannot be refunded. Because the interest of such products is within the legal range.

However, if the online loan is not provided by a licensed financial institution and is a private loan, then the user can apply to the lending institution for a refund of the interest on the part of the interest rate exceeded.

Extended Information:1Among the current debtors, if you have borrowed online loans during college or school, if these online loans are still in operation, you can complain to the platform to get back the annualized interest that exceeds the regulations.

2.According to national regulations, it is forbidden to lend to school students, and in the final analysis, these platforms were previously engaged in campus loans.

3.Features of Campus Online Loan:

1) Strong publicity.

In order to attract college students, a variety of campus online loan platforms on the Internet have adopted a variety of publicity and promotion methods.

For example, a large number of leaflets are distributed at the entrance of the university, and you will easily see this kind of promotional information about campus online loans in the school and the surrounding areas. Among them, some people are hired to enter the campus to promote, in short, so that college students can see these campus loan information everywhere.

2) The borrowing process is simple.

In particular, the loan procedures handled by the campus ** people are extremely simple. The borrower only needs to inform the other party of his student ID, ID card, household registration and other information to complete the loan. And some are only on this basis, the lending process of real person verification is carried out, which is what we know (naked loan).

For such a simple way of borrowing, the money that arrives quickly will make many college students only see the money in front of them, so as to ignore its usurious nature, and from then on they will be mired in the quagmire of online loans and cannot extricate themselves.

3) Distribution of borrowing amounts.

In order to prevent their borrowing funds from being wasted, the campus online loan platform will adopt a hierarchical and hierarchical method to distribute the quota.

Depending on the borrower's grade and school level, the loan amount ranges from 100 to 50,000 yuan. Such a grading method will gradually reduce the self-defense of college students. It allows college students to borrow according to their own loan repayment ability, so they fall into the trap of campus loans step by step.

4) Extremely deceptive.

Attract the attention of borrowers with extremely low borrowing interest rates. But in fact, these so-called "low interest" are actually charging high loan service fees while charging interest. As a result, college students will choose to borrow under the drive of consumer psychology, coupled with the lack of certain social experience and the ability to identify the substance of online loans, so that they cannot jump out of the trap of serial loans on campus loans.

No. Online loans have nothing to do with the identity of college students, but are closely related to the platform regulations of your loan.

However, generally speaking, student loans can be interest-free during school studies, but online loans are generally interest-bearing and will not be interest-free just because they are college students.

The interest paid is generally non-refundable, but if it is applied for by a current student, it is basically refundable.

No, you cannot. In addition, it is not recommended for college students to take out loans, because some loans are not formal, and the loans also need to be replaced, so don't rely on the loans.

First of all, if you apply for a college student, as long as it is an online loan, you can basically get it back. Don't ask why, because of the retreat. Personally tried it so far:

You and I loans, paipai loans, capricious loans, quick loans, China Post, Anyi flowers, foreign money banks, these are generally returned in cash, and some platforms will return cash together with JD e-card.

Focus: You can speak, someone else's sentence: When you apply and submit, there is a reminder that college students cannot apply. If you say something like this, you will be paralyzed, then you should not think about retiring as soon as possible, IQ problems.

Precautions: 1: First of all, we must understand the platform information, where it is, what department is in charge, don't hold 12378 for a day.

2: First check all the bills of the corresponding platform, whether you want to ** or check it yourself, and then calculate the expenses other than the principal.

3: Communication is straight to the point, to the point, don't chirp wow wow said that he didn't know what to say for a long time, directly explain his demands, and then detain the reason, the two sides reason, he has 10,000 reasons for him to avoid responsibility and is not afraid, as long as you have a reason to detain it is enough, as for other skills, think for yourself.

The regulations are as follows: 1. China Banking and Insurance Regulatory Commission.

and other five departments issued the "Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students", prohibiting microfinance companies from issuing Internet consumer loans to college students, and prohibiting non-licensed institutions from providing credit services to college students. The Circular clearly stipulates that microfinance companies shall not set college students as the target customer group for Internet consumer loans, and shall not conduct targeted marketing to this group.

False, misleading, or inducing propaganda and other improper methods must not be used to induce college students to spend ahead of time or borrow excessively; Any violent collection behavior that interferes with the normal study and life of college students is strictly prohibited. In addition, licensed institutions such as commercial banks and consumer finance are also regulated.

2. There are many online loan routines, and college students who are not deeply involved in the world are obviously too "tender" compared with those who have already gone deep into society. This may also be why, when "campus loans" have long been explicitly banned, the five departments are still "further regulated". The so-called road is one foot high, and those familiar and unfamiliar online loans will always change their tricks to recruit college students on board, regardless of the vicious waves behind them.

In fact, as early as 2017, Zhao Jianjun, then deputy director of the Finance Department of the Ministry of Education.

I once took out a loan to college students on campus.

Response: No online lender is allowed to issue loans to college students. Now, the notice of the five departments can be regarded as the concrete implementation of this concept.

After all, it is clear that the education sector alone cannot do the chaos of online loans targeting college students.

3. It is undeniable that there are some college students who do encounter times when they need money. For example, if the family is poor, but this problem can be solved by applying for grants and student loans.

and even social donations and other ways to solve the problem, instead of appealing to microfinance companies and non-licensed financial institutions. In that year, while the Ministry of Education clearly proposed to prohibit campus loans, it clearly pointed out that the total funding for each stage of education in the past five years was nearly 700 billion yuan. For example, if there are college students who need entrepreneurial funds, there are also special entrepreneurial loans for college students.

Many localities, universities and banks also have corresponding preferential policies and support. At the beginning of March this year, Zhengzhou, Henan Province just issued a new policy, stipulating that college students can apply for a guaranteed loan of up to 400,000 yuan to start a business.

Extended Materials. If your interest rate is more than 36% per annum.

If it is calculated, then the part exceeding 36% can apply for interest refund, and if it is within 36%, the online lending institution has the right to refuse the application. First of all, you can apply to the online loan platform.

If the application is denied, you can file a complaint with the China Internet Finance Reporting Information Platform, or you can file a lawsuit with the court.

Depending on the specific loan, the interest refund of high-interest online loans can be negotiated.

1. If the online loan is a bank, consumer finance.

and other licensed financial institutions, then the interest is non-refundable, because the interest on such products is within the legal range. However, online lending is not provided by licensed financial institutions, but belongs to private lending.

Then the user has paid the interest on the part of the interest rate exceeded, and can apply to the lending institution to refund the interest.

2. After the online lending institution accepts the application, the interest will be refunded to the user's receiving bank card. Refusal to refund the interest requires the user to file a lawsuit in court.

2. If it is an online loan and a high-interest loan, first collect your borrowing and repayment records on the platform, and then call customer service**, declare that you borrowed money during your student period, you can provide student proof, negotiate a refund of interest and service fees, and if the customer service accepts, you can wait. Wait for the platform to reply, if the customer service does not accept the screenshot of the loan repayment record on the mobile phone, complain to the major reporting platforms, such as the black cat complaint. Complain about the borrowing software.

There is no guarantee that there will be absolute gains, but if you try it, there is a chance that it will be effective.

Extended Materials. About loans.

1) Loan refers to the lending of monetary funds by banks or other financial institutions at a certain interest rate and on the condition that they must be returned.

A form of credit activity, which is simply understood as borrowing money with interest.

2) Banks can put out the concentrated money and monetary funds through loans, which can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

3) When the borrower applies for a loan from a bank or other financial institution, he or she needs to repay the borrowed principal and interest according to the agreed interest rate and repayment method. Common repayment methods include borrowing and repaying, monthly repayment, equal principal repayment, and equal principal and interest repayment.

early repayment, etc.

4) Overdue interest will be incurred, and overdue interest is usually calculated on a daily basis, which means that the longer the overdue time, the more overdue interest needs to be repaid.

Microfinance companies should strengthen substantive verification of the identity of loan customers, and must not set college students as the target customer group for Internet consumer loans, must not target college students for targeted marketing, and must not issue Internet consumer loans to college students.

Lending institutions outsourcing cooperative institutions should strengthen customer acquisition screening, and must not use false, misleading, or inducing publicity or other improper methods to induce college students to spend ahead of time or borrow excessively, must not target college students with precision marketing, and must not push and attract college students to lending institutions.

Institutions established without the approval of the banking regulatory department or the local financial supervision and administration department shall not provide credit services to college students.

1.It clarifies the "three prohibitions" of microfinance companies: it is not allowed to directly stop setting college students as the target customer group of Internet consumer loans, it is not allowed to target college students for precision marketing, and it is not allowed to issue Internet consumer loans to college students.

The previous regulations were "all online lending institutions should be suspended from carrying out online loan business for college students, and the existing business should be gradually digested?" Supervise and urge online lending institutions to complete business rectification on schedule, take the initiative to take offline campus online loan related business products, suspend the release of new campus online loan business targets, and orderly clear the outstanding balance of campus online loan business".

2.The previous policy documents clarifying the "three prohibitions" for lending institutions and outsourcing cooperative institutions did not clearly restrict external cooperative institutions. False, misleading, or inducing propaganda and other improper methods must not be used to induce college students to spend ahead of time or borrow excessively, and must not target groups of college students with targeted marketing, and must not be pushed to lending institutions to attract college students.

Banking financial institutions can carry out Internet consumer loan business for college students, after all, they are formal financial institutions. However, the principles of small-amount, short-term, and controllable risks should be adhered to, and the balance of loans to the same borrower and the total business scale of college students' Internet consumption should be strictly limited.

Extended Material: Interest.

1.Money other than the principal received as a result of deposits or loans (as distinct from 'principal').

2.Interest (interest) in the abstract refers to the amount of value added by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital.

Also known as sub-gold, the symmetry of the mother gold (principal). The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

3.Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds into the real economic sector, and its calculation formula is:

Interest = Principal Interest Rate Tenor 100%.

4.Classification of bank interest.

5.According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

6.Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

7.Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.