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 ordinary colleges and universities in China and increase the financial aid for poor students in ordinary 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 the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they must promise to repay 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 began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.
3. Borrowing students who want to repay in advance can apply during the period from 1 to1every month (except 1 1), 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 it is required to be paid off in full 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. The penalty interest rate is 130%.
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