1. National student loans (including student-origin credit student loans and college student loans) are subsidized by the finance during school, and interest is charged according to the benchmark interest rate of the People's Bank of China at the same level after graduation. For example, the benchmark interest rate of the People's Bank of China for loans over five years is now 6.80, and the interest on your loan 10 is charged at 6.80. You will be given a grace period after graduation, during which you only need to pay interest instead of principal. At that time, paying off in one lump sum meant paying off all the principal at maturity, and the interest was still paid every month.
2. The discount deadline is the date when the interest is calculated. I was not interested before, so I don't need to write an application. The loan interest rate is 4.9%, and the overdue interest rate is 6.37%. Repay with Alipay account when you borrow money.
3. The interest rate policy of student-origin student loan is: the benchmark interest rate of the same period and grade announced by the People's Bank of China shall be implemented and will not rise. The interest of students during their school days is fully subsidized by the finance. The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year.
4. Calculation method of student-origin student loan: In the graduation year, interest will start to accrue on September 1 day, and on February 20th 1 1 day. Interest = principal * (annual interest rate of China People's Bank for more than 5 years /360). Second year after graduation: interest = principal * (annual interest rate of China People's Bank for more than 5 years /360). Third year of graduation: the interest is the same as that in the second year of graduation, and then the principal is repaid in equal amount. From the fourth year of graduation to maturity: the repaid principal is deducted from the annual interest calculation. Note: 1. If loans overdue fails to pay back, it will not only generate bad credit, but also generate penalty interest. The penalty interest of student-origin student loan is 130% of the benchmark interest rate, which is calculated according to the actual overdue amount and overdue days.
5. Application materials for student-origin student loans: application for national student loans; Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. Students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them; Other information required by the bank.