Miracle should pay off the student loan within six years after graduation. Within two years after graduation, you only need to pay interest every month, and you don't need to pay the principal; From the third year to the sixth year after graduation, the principal and interest will be repaid at the same time every month. From the third year to the sixth year, * * * has 48 months. Divide the total loan by 48, that is, the monthly principal payable.
The repayment period of national student loan is mainly related to the loan period chosen by students when applying. In principle, it is determined according to the number of years of full-time college education (calculated by the remaining years of the education system) plus 15 years, and the longest is no more than 22 years. Students don't need to repay their loans during their studies, and the loan interest during their studies is fully subsidized by the finance. After graduation, the student loan has a five-year grace period, during which interest can only be repaid in full, and then after the grace period.
If students have sufficient repayment funds after graduation, they can also choose to pay off the loan in advance, and there will be penalty interest or liquidated damages before being told. Moreover, before September of the graduation year, I paid off the student loan in advance, and did not generate interest, but only paid back the principal. If the borrower chooses to pursue a higher degree (postgraduate degree or second bachelor's degree) after graduating from university, he can also apply for loan renewal, and the repayment period after graduation will be shortened accordingly.
It should be noted that the loan should be repaid in time after graduation, so as not to cause bad credit to individuals beyond the time limit.
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When will the university loan be repaid?
University loans (student loans) are repaid after graduation, that is, the interest is calculated from September 1 of the graduation year, and users can repay through different channels. And you can only pay the interest for the first three years, and pay the principal and interest from the fourth year of graduation. Interest is not calculated on loans during school.
At present, there are two repayment methods for university loans (student loans), Alipay repayment and bank repayment; Users can choose their own repayment channels according to their actual situation; Student loan The maximum loan amount that each student can apply for each year cannot exceed 8,000 yuan, and the longest student loan period cannot exceed 8 years.
When you repay the university loan, you must not overdue the repayment. If the repayment is overdue, it will not only generate penalty interest, but also have an impact on personal credit information. If the personal credit information goes bad, it will affect the future mortgage or car loan. And it will be kept for a long time in case it is overdue.
If there is no source of income when you repay the college loan, you can borrow money from friends around you at this time to avoid overdue. But in the later stage, it will be returned to friends in time. Moreover, this overdue loan repayment method cannot be used frequently, otherwise it will affect the feelings between friends, which is something that everyone should pay attention to.
When will the college loan tuition be repaid?
The value date of the student-origin student loan is September 1 of the first year after graduation, that is, after graduation, the student loan does not enjoy financial discount and begins to repay the principal and interest. 65438+February 20th is the annual interest settlement date. Generally, before 65438+February 15, it is enough to transfer the interest payable to Alipay account. There is no need to repay the principal in the first two years, and the principal and interest are equal after graduation in the third year. For example, if the loan is 8,000 yuan and the term is 8 years, you will repay the principal 1 1,000 yuan every year. The time is also 65438+February 20th, but the deduction time last year was September 20th. Extended information: first of all, we must know the repayment method. When applying for a student loan, an Alipay account will be automatically generated. After the loan is successful, real-name management will be carried out. In this way, through the national student loan system, you can know the amount of repayment principal and interest by logging in the user name and password. In addition, through my other Alipay accounts, I can also repay the student loan. The advantage of Alipay repayment is that it is convenient and fast, and it is not restricted by regions and banks. If it is a bank counter repayment, it will be a lot of trouble. Check the repayment amount. It is not difficult for college students to master the repayment process. Students can log on to the website or call (the management center of the county of origin or the online service system of the student loan of China Development Bank) to inquire about the principal and interest to be repaid this year. Of course, remember your previous username and password when logging in. You can also use your other Alipay account. The repayment process of other Alipay accounts is: log in to Alipay account, click the application center, and drop down to find CDB student loan. When you get in, ask me for repayment. You can pay it back. The process of prepayment. Interest is paid on the loan after graduation. After the improvement of living conditions, the average college student will choose to repay the loan in advance. The process of prepayment is similar to normal repayment, but you need to apply for it yourself. Go to the website and select the prepayment application. Apply for prepayment before 10 every month (10 plus next month's interest). You don't need to review the potato batch for early repayment, but you can check the due balance after application. Deposit the money into Alipay account before 15 every month, and generally you can receive SMS reminder on the 20th deduction day. The next month 1 day, you can check the repayment status of the account by logging on the website. Overdue repayment. After the annual repayment period of 65438+February 20, I found that I forgot to repay. Don't wait until next year's 65438+February 20. You can contact the local student financial aid management center or log on to the website at the beginning of each month to inquire about the amount that should be repaid this month (sometimes there is a penalty interest). Then, according to the above method, you can repay through Alipay before 15. As a reminder, there is no penalty interest for overdue interest, that is, there is no penalty interest for the first two years, and the overdue principal is penalized. Is the penalty interest of the principal 130% of the same period interest, or is it relatively high? First of all, around April, the school will inform this year's graduates to confirm graduation. The graduation confirmation website is on the student loan information website of China Development Bank. Of course, if you are admitted to the graduate school, you can temporarily not repay the loan and renew it. As those of us who are employed and unemployed, we need to repay the loan as soon as possible. After all, the interest rate is quite high.
When will the student loan be repaid?
The student loan for college students can be repaid at any time, but the loan does not count interest before graduation, and it is generally repaid after graduation. In the first two years after graduation, you can only repay the interest, not the principal. After the third year, the principal needs to be returned.
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan led by the government, subsidized by the government, compensated by the finance and universities, and jointly operated by banks, education administrative departments and universities. Borrowing students don't need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear the legal responsibility of mutual understanding.
1. According to the student loan policy, the interest settlement date of the loan is 65438+February 20th every year.
2. Within two years after graduation, the borrower shall deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year. Starting from the third year after graduation, the borrower will start to repay the principal and loan interest according to the method of returning the average capital to the rock, and the interest will be paid off with the principal for the last time.
3. Borrowing students who want to repay the loan in advance can apply on June1-June 10 (except June 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank.
Reminder: The interest of student-origin student loans shall be implemented according to the benchmark loan interest rate issued by the central bank in the same period, and it is required to be paid off in full on September 20 of the last year of the loan term. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.
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When will the college student loan be repaid?
The value date of the student-origin student loan is September 1 of the first year after graduation, that is, after graduation, you will not enjoy the financial discount and start to repay the interest. 65438+February 20th is the annual interest settlement date. Generally, before 65438+February 15, it is enough to transfer the interest payable to Alipay account.
There is no need to repay the principal for the first two years. Repay the principal and interest in equal amount after the third year of graduation. For example, the loan is 8,000 yuan, the term is 8 years, and the principal is repaid every year 1 1,000 yuan. The time is also 65438+February 20th, but the deduction time last year was September 20th.
Extended data:
First of all, we must know the way of repayment. When applying for a college student loan, an Alipay account will be automatically generated, and the real-name system will be managed after the loan is successful. In this way, you can know the amount of repayment principal and interest by logging in the user name and password through the national student-aided macro-digging loan system. In addition, I can repay the student loan through my other Alipay accounts. The advantage of Alipay repayment is that it is convenient and fast, and it is not limited by the region and the bank where the account is opened.
If it is a bank counter repayment, it is relatively more troublesome.
Check the repayment amount. It is not difficult for college students to master the repayment process. Borrowing students can log on to the website or telephone (the management center of the county of origin or the online service system of the student loan of the China Development Bank) to inquire about the principal and interest to be repaid this year. Of course, remember your previous username and password when logging in.
You can also use your own other Alipay accounts. The process of using other Alipay accounts for repayment is: log in to Alipay account, click the application center, and drop down to find CDB student loan. When you get in, ask me for repayment. You can repay.
The process of prepayment.
Interest is paid on the loan after graduation. After the improvement of living conditions, most college students will choose to repay in advance. The process of prepayment is similar to normal repayment, except that you need to apply, log on to the website and choose prepayment application. Apply for prepayment before 10 every month (after 10 plus next month's interest), prepayment does not need approval, and the balance to be repaid can be found after application. Deposit the deposit into Alipay account before 15 every month, and generally you can receive SMS reminder on the 20th debit day. The following month 1, log on to the website to check the repayment status of the account.
Overdue repayment. After the annual repayment period of 65438+February 20, I found that I forgot to repay. There is no need to wait until February 20th of the following year 15. You can contact the local student financial aid management center at the beginning of each month or log on to the website to inquire about the amount that should be repaid this month (sometimes with penalty interest), and then repay the money through Alipay before June 15 according to the above methods. As a reminder, there is no penalty interest for overdue interest, that is, there is no penalty interest for overdue interest in the first two years, but there is a penalty interest for overdue principal. The penalty interest on the principal is 65438+ 0.30% of the interest in the same period, which is still relatively high.
First of all, around April, the school will inform this year's graduates to make graduation confirmation. The graduation confirmation website is on the student loan information website of China Development Bank. Of course, if you are admitted to the graduate school, you can temporarily not repay the loan and renew the loan. As employed and unemployed students, we need to pay back as soon as possible. After all, the interest is quite high.
The introduction about when to pay off the college loan and when to pay off the college loan ends here. I wonder if you have found the information you need?