Second, students don't need to pay interest during school, because it is subsidized by the state. However, after graduation, interest will be calculated from September 1 day of the graduation year, and the repayment date is1February 20th, and holidays will not be postponed. In the second year after graduation, the principal will be repaid in installments in the form of average capital. Students can pay with Alipay account. If students who apply for student loans can repay in advance, they can submit the repayment application in advance in the student online system before the tenth day of each month, and then recharge the money into Alipay account. If it is overdue, the lender will pay extra interest, and the penalty is 130% of the current interest rate. So if you apply for a student loan, you'd better be able to repay it on time.
Student loan is a kind of loan that the state opens to students. There are generally student loans and college loans. Interest is generally low and the term is generally long. The time left for students to graduate is repayment. You can apply for a student loan from the local education bureau or the bank.
Huaan Insurance pioneered the national student loan credit insurance (hereinafter referred to as student loan insurance), which has benefited more than 330,000 poor college students in the past five years, and its business involves ten Yusheng cities such as Hubei, Chongqing, Heilongjiang and Yunnan. Xu Rong, head of Huaan Insurance Loan Insurance, said in an interview with Shenzhen Business Daily recently that at present, more than 30,000 college students in Heilongjiang have entered the repayment period, and the default rate is less than 5%.
According to reports, there are more than 100 countries in the world to carry out student loans, and the operating model of Huaan Insurance Loan is the first. This project has been affirmed by the United Nations Development Programme and invited to participate in the selection of the project "Expanding development, alleviating poverty and promoting cases to achieve the Millennium Development Goals". The operation mode of student loan insurance is that the bank provides loans to poor college students with a term of 10 or 14, and the loan amount ranges from several thousand yuan to tens of thousands of yuan to help students complete their college studies. After the bank issues the loan, it is insured by Huaan Insurance to provide insurance protection for the loan funds.
According to reports, a student loan 1000 yuan only pays interest in the first two years after graduation, and the monthly repayment is less than 60 yuan; Repaying the principal and interest for four years, about 220 yuan every month.