0.5%

Two, the National Development Bank student loan interest is related to the signing period.

It has nothing to do with years.

The national student loan interest rate is subject to the statutory loan interest rate announced by the People's Bank of China. The current annual interest rate of the loan is: 5.76% for one to three years; 5.85% for three to five years; More than five years is 6. 12%.

I hope I can help you, and I hope to adopt it!

Three, the National Development Bank student loan interest repayment method

The student loan of China Development Bank has no interest before graduation, and it is not necessary to repay the interest. After graduation, the loan interest shall be borne by the borrower, and the interest and principal shall be repaid together. The repayment method is Alipay repayment.

First, the repayment method of student loans

1. Students should pay off in one lump sum or in installments before graduation.

2 after graduation, the work unit will return all the loans to the loan issuing department.

3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly.

In the place where graduates work, according to their performance, it is decided to reduce the loan repayment.

5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.

Second, the repayment period.

The longest loan period is 20 years with a grace period of 3 years. During the grace period, only the interest needs to be repaid, not the principal.

Extended data:

Student loan application process

I. Loan application

The borrower shall apply for a loan from the Student Financial Assistance Management Center of the Education Bureau where his domicile is located, fill in the loan application form and provide materials at the same time.

Second, the contract signing

1, local funding centers review application materials.

2. The local financial aid center guides students to open personal accounts in the handling bank.

3, signed the "student credit loan contract"

4, issued by the local funding center "student credit loan contract receipt".

Third, the contract receipt

1. Borrowing students bring contract receipts to school.

2. The school shall go through the acceptance procedures according to the contract requirements.

3. The student will send the contract receipt back to the county-level funding center where the student is located.

4, the local financial aid center to prepare a summary report to the provincial student financial aid management center.

5, the provincial funding management center submitted to the handling bank for approval.

Four. loan origination

1. The handling bank transfers the loan funds to the borrower's personal account.

2. The loan funds are transferred from the personal account to the tuition account of the borrower's school.

Verb (abbreviation of verb) contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center.