D answer analysis This question examines the student-origin credit student loan. The loan term is the academic system plus 13 years, and the longest is not more than 20 years. See P 162 for details. Evaluate the meaning and elements of personal education loan.
Two. What is the longest loan period of student-origin credit student loan?
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.
There is a grace period for students during school and two years 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 study for higher degrees (including the second bachelor's degree) will shorten the period of repayment of principal and interest after graduation.
Three, the longest and shortest term of student credit loan is ()
The loan period of student-origin student loan is academic system plus 15 years, and the longest is no more than 22 years. The grace period for repayment is 5 years, which means that the principal can be repaid without interest within 5 years, and the principal needs to be repaid after 5 years. Student-origin student loans will generate interest from September 1 of the year when students graduate, and students need to repay the interest generated on schedule.
Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.
The loan is a credit loan, and the students and their parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment.
In August 2007, the state issued a new policy of "student-origin credit loan". In August 2007, the Ministry of Finance, the Ministry of Education and the China Development Bank jointly launched a pilot program of student-origin student loans in five provinces (cities) of Hubei, Jiangsu, Shaanxi, Gansu and Chongqing. At present, the pilot provinces (cities) that carry out student-origin loan business are: Hubei, Jiangsu, Shaanxi, Gansu, Chongqing, Qinghai, Xinjiang, Ningxia, Inner Mongolia, Shanxi, Beijing, Shandong, Anhui, Zhejiang, Fujian, Shanghai, Hunan, Jiangxi, Yunnan, Guizhou, Sichuan and Guangxi Zhuang Autonomous Region. Other provinces and cities are also actively piloting the implementation of student-origin credit student loans, and students can consult the local county-level education administrative departments about the specific application of student-origin credit student loans. Students who need loans due to financial difficulties have two choices (only one can be chosen):
4. How long is the loan period for applying for student-origin student loan?
The loan term in the application of student-origin student loan refers to the longest term of student loan. In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. Among them, the students in school are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. 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. Student-origin credit student loans refer to student loans issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the student financial assistance management center or financial institution in the county (urban area) where the students are studying to help the students with financial difficulties pay the tuition and accommodation fees needed during their studies at school.