Repayment interest: calculated according to the benchmark interest after graduation.
Interest level:. Not tall.
Students who graduate from the national student loan should strictly fulfill their repayment obligations and repay the loan on a monthly basis. The interest rate is based on the market quotation (LPR) of loans of the same grade in the same period, minus 30 basis points. . The term of student loan for college students is determined according to the full-time undergraduate academic system plus 10 years, and the longest is not more than 14 years, that is, the full-time undergraduate academic system is 4 years, and after graduation, it is added with 10 years. The loan amount does not exceed 8,000 yuan per student per academic year; Students' interest in school is fully subsidized by the government. After graduation, interest will be calculated year by year according to the benchmark interest rate, and students and their parents will bear the responsibility for repayment. The loan application amount is determined strictly by referring to the sum of annual tuition and accommodation fees. Full-time undergraduate students (including second bachelor's degree and higher vocational students) apply for a loan of no more than 8,000 yuan per year, and full-time graduate students do not exceed12,000 yuan per year.
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The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. Mbth Education Credit Loan Student Credit Loan * * * With borrowers, students and parents, we can quickly navigate the application process of loan quota. Matters needing attention: repayment trend in various places and other relevant application conditions. The loan targets are full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).
[1] loan terms
(1) Students applying for student-origin credit student loans must meet the following conditions:
1. has the nationality of the people of China;
2. Honest and trustworthy, law-abiding;
3. Freshmen, postgraduates and students with a second bachelor's degree who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district);
The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.
[(2) Students' families applying for student-origin credit student loans shall meet the following conditions:
1. No bad credit record;
2. Family financial difficulties should generally meet one of the following basic characteristics:
① Poor households in rural and pastoral areas, low-income households, and poor households who set up a file;
② Families of orphans and disabled people;
(3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses;
④ Family members suffer from major diseases;
⑤ The creator of the main family income loses the ability to work for some reason;
⑥ Single parent families with no stable income;
⑦ Poor families in old, young, marginal, poor and remote rural and pastoral areas;
(8) Families where one or both parents are unemployed;
Pet-name ruby other poor families. Loan purposes: Student-origin credit student loans are used to borrow students' tuition and accommodation fees in principle. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses. The national student credit loan is applied, approved and issued annually.