Students with national student loans are interest-free during their school years, and they only need to repay the interest after two years of graduation. From the third year on, they only need to repay the principal and interest, so the algorithm of national student loan interest will be different from other loans. So what's the interest on the student loan of 32 thousand?
Student loan interest of 32,000 yuan
For example, a student with a loan of 8,000 yuan a year has applied for a student loan for four consecutive years. The total loan amount is 32,000 yuan, the loan term is 7 years, and the loan interest rate is LPR minus 30 basis points. Then, referring to LPR, 438+2009 in February, 1965, the loan interest rate of CreditEase yixinlicai.com was 4.5%, and the interest after graduation was calculated.
The interest in the first year after graduation is 32,000 * 81day *4.5%/360=324 yuan, the interest in the second year after graduation is 32,000 * 4.5% = 1.440 yuan, and the interest in the third year is also1.440 yuan.
So the total interest for three years is 324+1440+1440 = 3204 yuan.
Handling of loans overdue as a student.
I applied for a student loan when I was in college, and now I have graduated from work. I need a loan to buy a house and do a credit card, only to find that I have bad credit. Due to negligence, many students who have applied for student loans have left bad credit records. What should I do if I encounter such a problem?
Many students' overdue interest payments are caused by their ignorance of the policy.
The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set 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 no repayment and no interest. As a result, there have been some cases of overdue repayment.
If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This 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 good records will gradually refresh and replace the old negative records.
What is the interest standard of national student loan?
Legal analysis
The repayment method of student-origin loan is: within two years after graduation, only the interest can be repaid every year, but from the third year after graduation, the principal and interest must be repaid every year. If you don't know how to calculate it, you can take a look at the following example.
Loan amount: 6,000 yuan
Repayment period: 6 years
Loan interest rate: 5.65%
The annual repayment amount after graduation is as follows:
Repayment in the first year: 65,438+004 yuan (that is, loan interest from September to February 20 of that year).
legal ground
the education law of the peoples republic of china
Article 31 The sponsors of schools and other educational institutions shall, in accordance with the relevant provisions of the state, determine the management system of the schools and other educational institutions they run.
Principals or principal administrators of schools and other educational institutions must be China citizens who have settled in China and have the qualifications prescribed by the state, and their appointment and removal shall be handled in accordance with the relevant provisions of the state. The headmaster is responsible for the teaching and other administrative management of the school.
Schools and other educational institutions shall, in accordance with the relevant provisions of the state, ensure that the teaching and administrative staff participate in democratic management and supervision through organizational forms such as teachers' congresses.
Thirty-second schools and other educational institutions with legal person status shall obtain legal person status from the date of approval of establishment or registration.
Schools and other educational institutions shall enjoy civil rights and bear civil liabilities in civil activities according to law.
State-owned assets in schools and other educational institutions belong to the state.
School-run industries established by schools and other educational institutions shall bear civil liabilities independently.
How to calculate the interest of national student loan?
The calculation method of loan interest of national student loans is the same as the calculation date, calculation method and time of student-origin student loans.
Student-origin student loans begin to calculate interest in September of the year when college students graduate. Before graduation, the interest of student-origin student loans is subsidized by the government. Borrowing students do not need to pay interest. After graduation, students began to repay their loans every year. The loan interest after September 1 of the year in which the student graduated shall be borne by the borrower, and the government will no longer discount the interest. Unlike the monthly repayment of medium and long-term loans, students' loans are repaid once a year. The annual repayment time is before 65438+February 20th, and the interest settlement date due in the last year is September 20th. The student loan interest is calculated on an annual basis according to the actual number of days. The loan interest of students' origin loans is calculated according to the benchmark interest rate of the central bank, and the interest rate does not rise.