1、 建议毕业同学离校前在任意一家中国银行办理与还款的银行卡勾连的网上银行。
2、研究生毕业后第一个扣款日为2月10日,此后每月10日还款。有个别学生每月1日扣款,请以个人网上银行勾连的贷款信息为准。
3、 还款方式:从2012年2月至2014年1月,每月还款额为贷款金额的利息(具体金额下面详述);2014年2月至学生贷款到期日(借款合同第一页贷款期限中有贷款到期日),偿还本金和利息,每月还款金额由于贷款期限不同,有所不同,请参照网上银行贷款信息偿还。(具体贷款到期日因每人贷款期限不同有所不同,请以自行在中国银行办理的网上银行的贷款信息为准。)
4、 还款方法:还款需每月将应还款额存入银行卡中。此银行卡必须是签订还款协议时填写的借记卡账户,若因其他原因需更换还款账户的,需本人带身份证到中国银行大连高新技术园区支行二楼消费信贷部申请更改还款账户。
5、 提前还款:
(1)在毕业后第一个扣款日(2月10日)之后的还款期间,借款人可以申请提前还款或部分提前还款。提前还款或部分提前还款无需提前申请。提前还款或部分提前还款可以节省部分利息,贷款所产生的利息计算到提前还款当天,提前还款后不再产生其他利息。
部分提前还款每整年只能申请一次,每次不得低于5000元人民币。(即若2012年5月申请部分提前还款,则最早2013年5月才能再次部分提前还款或全部提前还款。)
(2)还款时间:工作日(周一至周五)上午8:30至11:30 下午1:00至3:30
(3)还款所需材料:
借款人本人或代办人带中国银行大连的银行卡(借款人本人银行卡或代办人银行卡均可)、卡中存入足额还款金额(还款金额可以参照网上银行)、银行卡密码、借款人身份证复印件。(提前还款可以找代办人代办)
(4)还款地址:大连市高新园区高新街2号,中国银行大连高新技术园区支行二楼消费信贷部(只能到本贷款发放行办理提前还款)大连市高新园区高新街2号,可坐3路、28路、202路、531路到高新园区站,下车高新园区管委会旁即是。
6、测算月还款金额
(1)以“贷款金额18000元,2009年11月申请贷款,2018年11月到期,贷款期限108个月”为例。
期数 |
未偿还本金 |
偿还本金 |
偿还利息 |
偿还本息和 |
2012-2-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-3-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-4-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-5-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-6-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-7-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-8-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-9-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-10-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-11-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-12-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-1-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-2-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-3-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-4-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-5-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-6-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-7-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-8-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-9-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-10-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-11-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-12-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2014-1-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2014-2-10 |
18,000.00 |
261.37 |
105.75 |
367.12 |
2014-3-10 |
17,738.63 |
262.91 |
104.21 |
367.12 |
2014-4-10 |
17,475.72 |
264.45 |
102.67 |
367.12 |
2014-5-10 |
17,211.27 |
266 |
101.12 |
367.12 |
2014-6-10 |
16,945.27 |
267.57 |
99.55 |
367.12 |
2014-7-10 |
16,677.70 |
269.14 |
97.98 |
367.12 |
2014-8-10 |
16,408.56 |
270.72 |
96.4 |
367.12 |
2014-9-10 |
16,137.84 |
272.31 |
94.81 |
367.12 |
2014-10-10 |
15,865.53 |
273.91 |
93.21 |
367.12 |
2014-11-10 |
15,591.62 |
275.52 |
91.6 |
367.12 |
2014-12-10 |
15,316.10 |
277.14 |
89.98 |
367.12 |
2015-1-10 |
15,038.96 |
278.77 |
88.35 |
367.12 |
2015-2-10 |
14,760.19 |
280.4 |
86.72 |
367.12 |
2015-3-10 |
14,479.79 |
282.05 |
85.07 |
367.12 |
2015-4-10 |
14,197.74 |
283.71 |
83.41 |
367.12 |
2015-5-10 |
13,914.03 |
285.38 |
81.74 |
367.12 |
2015-6-10 |
13,628.65 |
287.05 |
80.07 |
367.12 |
2015-7-10 |
13,341.60 |
288.74 |
78.38 |
367.12 |
2015-8-10 |
13,052.86 |
290.43 |
76.69 |
367.12 |
2015-9-10 |
12,762.43 |
292.14 |
74.98 |
367.12 |
2015-10-10 |
12,470.29 |
293.86 |
73.26 |
367.12 |
2015-11-10 |
12,176.43 |
295.58 |
71.54 |
367.12 |
2015-12-10 |
11,880.85 |
297.32 |
69.8 |
367.12 |
2016-1-10 |
11,583.53 |
299.07 |
68.05 |
367.12 |
2016-2-10 |
11,284.46 |
300.82 |
66.3 |
367.12 |
2016-3-10 |
10,983.64 |
302.59 |
64.53 |
367.12 |
2016-4-10 |
10,681.05 |
304.37 |
62.75 |
367.12 |
2016-5-10 |
10,376.68 |
306.16 |
60.96 |
367.12 |
2016-6-10 |
10,070.52 |
307.96 |
59.16 |
367.12 |
2016-7-10 |
9,762.56 |
309.76 |
57.36 |
367.12 |
2016-8-10 |
9,452.80 |
311.58 |
55.54 |
367.12 |
2016-9-10 |
9,141.22 |
313.42 |
53.7 |
367.12 |
2016-10-10 |
8,827.80 |
315.26 |
51.86 |
367.12 |
2016-11-10 |
8,512.54 |
317.11 |
50.01 |
367.12 |
2016-12-10 |
8,195.43 |
318.97 |
48.15 |
367.12 |
2017-1-10 |
7,876.46 |
320.85 |
46.27 |
367.12 |
2017-2-10 |
7,555.61 |
322.73 |
44.39 |
367.12 |
2017-3-10 |
7,232.88 |
324.63 |
42.49 |
367.12 |
2017-4-10 |
6,908.25 |
326.53 |
40.59 |
367.12 |
2017-5-10 |
6,581.72 |
328.45 |
38.67 |
367.12 |
2017-6-10 |
6,253.27 |
330.38 |
36.74 |
367.12 |
2017-7-10 |
5,922.89 |
332.32 |
34.8 |
367.12 |
2017-8-10 |
5,590.57 |
334.28 |
32.84 |
367.12 |
2017-9-10 |
5,256.29 |
336.24 |
30.88 |
367.12 |
2017-10-10 |
4,920.05 |
338.21 |
28.91 |
367.12 |
2017-11-10 |
4,581.84 |
340.2 |
26.92 |
367.12 |
2017-12-10 |
4,241.64 |
342.2 |
24.92 |
367.12 |
2018-1-10 |
3,899.44 |
344.21 |
22.91 |
367.12 |
2018-2-10 |
3,555.23 |
346.23 |
20.89 |
367.12 |
2018-3-10 |
3,209.00 |
348.27 |
18.85 |
367.12 |
2018-4-10 |
2,860.73 |
350.31 |
16.81 |
367.12 |
2018-5-10 |
2,510.42 |
352.37 |
14.75 |
367.12 |
2018-6-10 |
2,158.05 |
354.44 |
12.68 |
367.12 |
2018-7-10 |
1,803.61 |
356.52 |
10.6 |
367.12 |
2018-8-10 |
1,447.09 |
358.62 |
8.5 |
367.12 |
2018-9-10 |
1,088.47 |
360.73 |
6.39 |
367.12 |
2018-10-10 |
727.74 |
362.84 |
4.28 |
367.12 |
2018-11-10 |
364.9 |
364.98 |
2.14 |
367.12 |
(2)以“贷款金额18000元,2009年11月申请贷款,2017年11月到期,贷款期限96个月”为例。
期数 |
未偿还本金 |
偿还本金 |
偿还利息 |
偿还本息和 |
2012-2-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-3-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-4-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-5-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-6-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-7-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-8-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-9-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-10-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-11-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-12-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-1-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-2-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-3-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-4-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-5-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-6-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-7-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-8-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-9-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-10-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-11-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-12-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2014-1-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2014-2-10 |
18,000.00 |
341.95 |
105.75 |
447.7 |
2014-3-10 |
17,658.05 |
343.96 |
103.74 |
447.7 |
2014-4-10 |
17,314.09 |
345.98 |
101.72 |
447.7 |
2014-5-10 |
16,968.11 |
348.01 |
99.69 |
447.7 |
2014-6-10 |
16,620.10 |
350.06 |
97.64 |
447.7 |
2014-7-10 |
16,270.04 |
352.11 |
95.59 |
447.7 |
2014-8-10 |
15,917.93 |
354.18 |
93.52 |
447.7 |
2014-9-10 |
15,563.75 |
356.26 |
91.44 |
447.7 |
2014-10-10 |
15,207.49 |
358.36 |
89.34 |
447.7 |
2014-11-10 |
14,849.13 |
360.46 |
87.24 |
447.7 |
2014-12-10 |
14,488.67 |
362.58 |
85.12 |
447.7 |
2015-1-10 |
14,126.09 |
364.71 |
82.99 |
447.7 |
2015-2-10 |
13,761.38 |
366.85 |
80.85 |
447.7 |
2015-3-10 |
13,394.53 |
369.01 |
78.69 |
447.7 |
2015-4-10 |
13,025.52 |
371.18 |
76.52 |
447.7 |
2015-5-10 |
12,654.34 |
373.36 |
74.34 |
447.7 |
2015-6-10 |
12,280.98 |
375.55 |
72.15 |
447.7 |
2015-7-10 |
11,905.43 |
377.76 |
69.94 |
447.7 |
2015-8-10 |
11,527.67 |
379.97 |
67.73 |
447.7 |
2015-9-10 |
11,147.70 |
382.21 |
65.49 |
447.7 |
2015-10-10 |
10,765.49 |
384.45 |
63.25 |
447.7 |
2015-11-10 |
10,381.04 |
386.71 |
60.99 |
447.7 |
2015-12-10 |
9,994.33 |
388.98 |
58.72 |
447.7 |
2016-1-10 |
9,605.35 |
391.27 |
56.43 |
447.7 |
2016-2-10 |
9,214.08 |
393.57 |
54.13 |
447.7 |
2016-3-10 |
8,820.51 |
395.88 |
51.82 |
447.7 |
2016-4-10 |
8,424.63 |
398.21 |
49.49 |
447.7 |
2016-5-10 |
8,026.42 |
400.54 |
47.16 |
447.7 |
2016-6-10 |
7,625.88 |
402.9 |
44.8 |
447.7 |
2016-7-10 |
7,222.98 |
405.26 |
42.44 |
447.7 |
2016-8-10 |
6,817.72 |
407.65 |
40.05 |
447.7 |
2016-9-10 |
6,410.07 |
410.04 |
37.66 |
447.7 |
2016-10-10 |
6,000.03 |
412.45 |
35.25 |
447.7 |
2016-11-10 |
5,587.58 |
414.87 |
32.83 |
447.7 |
2016-12-10 |
5,172.71 |
417.31 |
30.39 |
447.7 |
2017-1-10 |
4,755.40 |
419.76 |
27.94 |
447.7 |
2017-2-10 |
4,335.64 |
422.23 |
25.47 |
447.7 |
2017-3-10 |
3,913.41 |
424.71 |
22.99 |
447.7 |
2017-4-10 |
3,488.70 |
427.2 |
20.5 |
447.7 |
2017-5-10 |
3,061.50 |
429.71 |
17.99 |
447.7 |
2017-6-10 |
2,631.79 |
432.24 |
15.46 |
447.7 |
2017-7-10 |
2,199.55 |
434.78 |
12.92 |
447.7 |
2017-8-10 |
1,764.77 |
437.33 |
10.37 |
447.7 |
2017-9-10 |
1,327.44 |
439.9 |
7.8 |
447.7 |
2017-10-10 |
887.54 |
442.49 |
5.21 |
447.7 |
2017-11-10 |
445.05 |
445.09 |
2.61 |
447.7 |
(3)以“贷款金额18000元,2009年11月申请贷款,2016年11月到期,贷款期限84个月”为例。
期数 |
未偿还本金 |
偿还本金 |
偿还利息 |
偿还本息和 |
2012-2-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-3-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-4-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-5-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-6-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-7-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-8-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-9-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-10-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-11-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2012-12-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-1-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-2-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-3-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-4-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-5-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-6-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-7-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-8-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-9-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-10-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-11-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2013-12-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2014-1-10 |
18,000.00 |
0 |
105.75 |
105.75 |
2014-2-10 |
18,000.00 |
479.84 |
105.75 |
585.59 |
2014-3-10 |
17,520.16 |
482.66 |
102.93 |
585.59 |
2014-4-10 |
17,037.50 |
485.49 |
100.1 |
585.59 |
2014-5-10 |
16,552.01 |
488.35 |
97.24 |
585.59 |
2014-6-10 |
16,063.66 |
491.22 |
94.37 |
585.59 |
2014-7-10 |
15,572.44 |
494.1 |
91.49 |
585.59 |
2014-8-10 |
15,078.34 |
497 |
88.59 |
585.59 |
2014-9-10 |
14,581.34 |
499.92 |
85.67 |
585.59 |
2014-10-10 |
14,081.42 |
502.86 |
82.73 |
585.59 |
2014-11-10 |
13,578.56 |
505.82 |
79.77 |
585.59 |
2014-12-10 |
13,072.74 |
508.79 |
76.8 |
585.59 |
2015-1-10 |
12,563.95 |
511.78 |
73.81 |
585.59 |
2015-2-10 |
12,052.17 |
514.78 |
70.81 |
585.59 |
2015-3-10 |
11,537.39 |
517.81 |
67.78 |
585.59 |
2015-4-10 |
11,019.58 |
520.85 |
64.74 |
585.59 |
2015-5-10 |
10,498.73 |
523.91 |
61.68 |
585.59 |
2015-6-10 |
9,974.82 |
526.99 |
58.6 |
585.59 |
2015-7-10 |
9,447.83 |
530.08 |
55.51 |
585.59 |
2015-8-10 |
8,917.75 |
533.2 |
52.39 |
585.59 |
2015-9-10 |
8,384.55 |
536.33 |
49.26 |
585.59 |
2015-10-10 |
7,848.22 |
539.48 |
46.11 |
585.59 |
2015-11-10 |
7,308.74 |
542.65 |
42.94 |
585.59 |
2015-12-10 |
6,766.09 |
545.84 |
39.75 |
585.59 |
2016-1-10 |
6,220.25 |
549.05 |
36.54 |
585.59 |
2016-2-10 |
5,671.20 |
552.27 |
33.32 |
585.59 |
2016-3-10 |
5,118.93 |
555.52 |
30.07 |
585.59 |
2016-4-10 |
4,563.41 |
558.78 |
26.81 |
585.59 |
2016-5-10 |
4,004.63 |
562.06 |
23.53 |
585.59 |
2016-6-10 |
3,442.57 |
565.36 |
20.23 |
585.59 |
2016-7-10 |
2,877.21 |
568.69 |
16.9 |
585.59 |
2016-8-10 |
2,308.52 |
572.03 |
13.56 |
585.59 |
2016-9-10 |
1,736.49 |
575.39 |
10.2 |
585.59 |
2016-10-10 |
1,161.10 |
578.77 |
6.82 |
585.59 |
2016-11-10 |
582.33 |
582.17 |
3.42 |
585.59 |
(4)以“贷款金额18000元,2009年11月申请贷款,2015年11月到期,贷款期限72个月”为例。
期数 |
未偿还本金 |
偿还本金 |
偿还利息 |
偿还本息和 |
2012-2-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-3-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-4-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-5-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-6-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-7-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-8-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-9-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-10-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-11-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2012-12-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-1-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-2-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-3-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-4-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-5-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-6-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-7-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-8-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-9-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-10-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-11-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2013-12-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2014-1-10 |
18,000.00 |
0.00 |
105.75 |
105.75 |
2014-2-10 |
18,000.00 |
768.84 |
105.75 |
874.59 |
2014-3-10 |
17,231.16 |
773.36 |
101.23 |
874.59 |
2014-4-10 |
16,457.80 |
777.9 |
96.69 |
874.59 |
2014-5-10 |
15,679.90 |
782.47 |
92.12 |
874.59 |
2014-6-10 |
14,897.43 |
787.07 |
87.52 |
874.59 |
2014-7-10 |
14,110.36 |
791.69 |
82.9 |
874.59 |
2014-8-10 |
13,318.67 |
796.34 |
78.25 |
874.59 |
2014-9-10 |
12,522.33 |
801.02 |
73.57 |
874.59 |
2014-10-10 |
11,721.31 |
805.73 |
68.86 |
874.59 |
2014-11-10 |
10,915.58 |
810.46 |
64.13 |
874.59 |
2014-12-10 |
10,105.12 |
815.22 |
59.37 |
874.59 |
2015-1-10 |
9,289.90 |
820.01 |
54.58 |
874.59 |
2015-2-10 |
8,469.89 |
824.83 |
49.76 |
874.59 |
2015-3-10 |
7,645.06 |
829.68 |
44.91 |
874.59 |
2015-4-10 |
6,815.38 |
834.55 |
40.04 |
874.59 |
2015-5-10 |
5,980.83 |
839.45 |
35.14 |
874.59 |
2015-6-10 |
5,141.38 |
844.38 |
30.21 |
874.59 |
2015-7-10 |
4,297.00 |
849.35 |
25.24 |
874.59 |
2015-8-10 |
3,447.65 |
854.34 |
20.25 |
874.59 |
2015-9-10 |
2,593.31 |
859.35 |
15.24 |
874.59 |
2015-10-10 |
1,733.96 |
864.4 |
10.19 |
874.59 |
2015-11-10 |
869.56 |
869.48 |
5.11 |
874.59 |
7、 个人贷款详细信息可以在网上银行“贷款管理”项下个人贷款查询中查询。
8、请同学们毕业后一定保证按时足额存款,以免影响个人信用记录,影响以后的贷款和其他。