Financial institutions that borrow student loans stipulate that applicants must pay off their debts within six years after graduation. In other words, the term of the national student loan does not exceed 6 years after graduation. Under normal circumstances, students should repay the interest on an annual basis from September 1 day of the graduation year, and begin to repay the principal and interest two years later. The normal repayment deduction date of China Development Bank is February 20, 65438.
How long is it appropriate to fill in the graduate loan period?
The number of years of student loans is calculated according to the school time plus the repayment period. For example, the loan term 10 year is 4 years of school time plus 6 years of repayment period. Students in school are calculated according to the remaining years of schooling. For example, the remaining years are 3 years, the loan period is 10 years MINUS 3 years of study, and the repayment period is 7 years.
The longest term of student loans is the normal academic system plus 10 years, that is, 14 years. Generally speaking, students will have a two-year grace period after graduation. During the grace period, they only need to repay the interest. After the grace period, they will repay the loan principal and interest according to the average capital.
If students continue to pursue their degrees according to the normal academic system after graduation, such as graduate students, the repayment period after graduation will be shortened accordingly.
The annual repayment date of student-origin student loan is 65438+February 20th. Everyone must pay attention to repayment on time, and timely deposit the full amount of funds into Alipay account before February 20 every year to avoid overdue behavior (the repayment date in the previous year was September 20).
What information do graduate students need to apply for a student loan? 1, national student loan application
The reasons for the application should include the family's financial situation, not too simplistic, sincere and not contradictory to the contents in other materials. The application form cannot be changed.
2. Questionnaire for College Students and Their Families
The handwriting of the questionnaire cannot be changed, deleted or added. Must be filled in with a carbon pen or a black signature pen. Stamp the official seal of the civil affairs department. The official seal of the civil affairs department must have the word "civil affairs" (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid.
3. Copy of parents' ID card
If your ID card has expired, you can use a copy of the newly stamped household registration book (with your parents' ID number on it) to replace it. If parents are divorced, parents' divorce agreement (or court judgment) and copies of their parents' ID cards shall be provided. If the contents of the divorce agreement or the court's judgment on child support are inconsistent with the actual support situation, it shall be indicated in the corresponding documents.
4. Student ID card and copy of student ID card
A copy of the student ID card is stamped with the seal of the Student Financial Assistance Center. (handled by the Student Affairs Office)