Student-origin student loans are divided into normal repayment, early repayment, overdue repayment and due repayment, in which the normal repayment time is from 0 to 20 February every year/kloc-0; The prepayment time is 20th of the current month or 20th of the following month; The overdue repayment is from June 1 day to June 1 day to 1 October 20th, and from June1day to February 20th; The repayment due is between last year 1 October 1 1 and February 20th1.
Interest analysis of national student loan
For example, an undergraduate student in a university borrows 6,000 yuan, the loan term is 7 years, and the loan interest rate is 4.90%. How much interest should he pay?
Since the interest is free during school, the interest payment for the first four years is 0.
Interest paid in the first year: 60008 1 day 4.90%/360=66. 15.
Interest paid in the second year: 60004.90%=294 yuan.
The principal of the third year is 6000 yuan, and the interest is 60002754.90%/360=6224.58 yuan.
Interest analysis: the loan term is 6000 years, the loan term is 7 years, and the total interest paid is 584.73 yuan. It can be said that the interest to be paid is very low.
Repayment methods of student loan for college students
At present, there are two repayment methods for student loans: Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. Therefore, the earlier the loan is repaid, the less interest can be paid.
College students repay student loans with PayPal;
1, the student loan of China Development Bank is repaid in advance
2. Every month before 10.
3. Log on to the student loan information network of China Development Bank.
4. Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.
5. Find the prepayment cancellation.
6. Apply for prepayment as required. [The application date for prepayment is from June 1 day to June1day (except June1day)]
7. Please check your loan background repayment record for the specific repayment record.
University student loan bank repayment:
1. Before you go to the bank, you must bring all the materials for handling the student loan, as well as your ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process;
2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;
3. Go to the counter to handle the loan repayment procedures;
4. Send the repayment voucher to the relevant person in charge.
When will the student loan be repaid?
College student loan can be repaid at any time, but before graduation, the loan does not calculate interest, and it is generally repaid after graduation. In the first two years after graduation, you can only pay interest but not principal. After the third year, you need to return the principal.
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 colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan which is led by the government, subsidized by finance, compensated by finance and universities, and operated by banks, education administrative departments and universities to help students with financial difficulties in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay the loan on time and bear legal responsibility.
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. From the third year after graduation, the borrower will begin to repay the principal and loan interest in the same way, and the interest will be paid off with the principal for the last time.
3. Borrowing students who want to repay in advance can apply on June 1 day-June1day (except June 1 1 day), 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 all loans shall be paid off 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, that is, 130% of the current interest rate.
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When will the student loan be repaid every year?
First, the repayment time of student loans.
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. From the third year after graduation, the borrower will begin to repay the principal and loan interest in the same way, and the interest will be paid off with the principal for the last time.
3. Borrowing students who want to repay in advance can apply on June 1 day-June1day (except June 1 1 day), 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 all loans shall be paid off 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, that is, 130% of the current interest rate.
Second, the student credit loan amount.
The loan amount does not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. Students who obtained national student loans in colleges and universities in those years may not apply for student-origin credit student loans at the same time.
Third, the student credit loan period
In principle, the loan term is determined by the number of years of full-time undergraduate education (students according to the remaining years of education) plus 10 years, and the longest loan term shall not exceed 14 years. Students begin to repay the loan principal in installments according to the loan contract two years after graduation from the normal academic system.
The two-year grace period is for students at school and after graduation. After the grace period, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to pursue higher degrees (including graduate students and second bachelor's degrees) will correspondingly shorten the time limit for students to pay principal and interest after graduation.
Extended data:
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 colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan led by the government, with financial subsidies and certain risk compensation from the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students with financial difficulties in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.