considering that some students may not be able to find jobs in time after leaving school, the state has also set up a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means that there is no need to repay or pay interest. As a result, some overdue repayments have occurred.
If the overdue period is not malicious, you can explain it to the bank and cancel your personal bad credit record. Don't be discouraged if there is indeed negative information in the credit report. These information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new and good records will gradually refresh and replace old and negative records.
National student loan subsidy standard
Full-time undergraduate students (including second bachelor's degree and higher vocational students, the same below) each apply for a loan amount of no more than 8, yuan per year; If the sum of annual tuition and accommodation fees is less than 8, yuan, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students apply for a loan amount of no more than 12, yuan per person per year; If the sum of annual tuition and accommodation fees is less than 12, yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
proportion of national student loans
The national average proportion of national student loans for full-time college students should be equivalent to the proportion of national student loans in that year, and the proportion of national student loans in various regions and universities should be equivalent to that in their own regions and universities in that year. The proportion of national student loans for full-time graduate students is determined according to the coverage of national scholarships, academic scholarships and other scholarship policies and the situation of students with financial difficulties.
Full-time college students are not allowed to apply for a national student loan on campus and a student-origin credit student loan repeatedly in the same academic year, and they can only choose to apply for one of them. Full-time graduate students apply for the national student loan on campus in principle.
loan conditions
1. A natural person of China nationality who has reached the age of 18 and has full capacity for civil conduct, has a fixed residence in China and has a valid identity certificate.
2. Having a proper occupation and stable economic income (except for students who apply for education student loans), and being able to guarantee repayment of the loan principal and interest on schedule.
3. Open a savings account in a loan bank, and deposit not less than the down payment of the total consumption and the expected mortgage registration fee, notary fee, insurance fee and other expenses.
4. It can provide effective guarantee measures recognized by banks for personal consumption loans.
5. The loan is used within the specified scope.
loan limit
1. If a loan is applied by pledge, or a bank or insurance company provides joint liability guarantee, the down payment shall not be less than 2% of the total value of consumer goods, and the loan amount shall not exceed 8% of the total value of consumer goods.
2. If a borrower or a third party applies for a loan with real estate as collateral, the down payment shall not be less than 3% of the total value of consumer goods, and the loan amount shall not exceed 7% of the total value of consumer goods.
3. If you apply for a loan by means of a third-party guarantee (except banks and insurance companies), the down payment shall not be less than 4% of the total value of consumer goods, and the loan amount shall not exceed 6% of the total value of consumer goods.
Legal basis:
Article 32 of the General Principles of Loans:
The borrower shall repay the loan principal and interest in full and on time according to the loan contract.
the lender shall send a notice of repayment of principal and interest to the borrower one week before the short-term loan expires and one month before the medium-and long-term loan expires; The borrower shall prepare funds in time and repay the principal and interest on time.
the lender shall promptly issue a collection notice for overdue loans and do a good job in the collection of overdue loan principal and interest.
the lender shall impose additional interest on the loan that cannot be repaid within the time limit stipulated in the loan contract; If the repayment of the principal and interest cannot be made or implemented, the repayment shall be urged or legal proceedings shall be instituted.
if the borrower repays the loan in advance, it shall negotiate with the lender.