1. The student loan interest is calculated several years after graduation, as follows: The student loan interest is calculated in the year of graduation. Generally, the deadline for the financial department of the state to give discount to students is August 3 1 of the year of graduation, that is, the interest on student loans begins to generate from September 1, subject to the date stipulated in the contract. Interest calculation formula = interest is calculated according to (unpaid principal * current annual interest rate /360)* actual days. The annual repayment time of student loans is 165438+ 10 1 to 65438+20 February, but the repayment methods and sources of student loans in different universities are different.
2. For example, the loan interest will be repaid from the interest payment date in the year of graduation, and the loan principal and interest will be repaid in one lump sum in the last year after the contract expires; Student-origin student loans only pay interest within 5 years after graduation. Repay part of the principal and interest according to the repayment plan from the sixth year, and repay when the contract expires in the last year. Student loans do not need to pay interest before the discount period, as long as the principal is paid off. So the borrower doesn't want to pay interest, so he can repay in advance.
3, apply for student loans should pay attention to the following matters. According to the policy, students who have applied for national student loans can no longer apply for student loans in their home countries, that is, they can only apply for one of two kinds of loans. There is a difference between the national student loan and the student-origin student loan. Although both the national student loan and the student-origin student loan are used to solve the problem of tuition and accommodation for poor students, the loan interest rate is based on the benchmark loan interest rate at the same level. The same period announced by the central bank did not rise. Students don't have to pay interest during normal study, and the financial department will give them a discount. However, there are still some differences between them:
4. Different applicants need to borrow national student loans. Students apply to their institutions after the start of school; Student loans are applicable to students in the place where they are registered. The application time is different, and the national student loan is generally handled after the start of school in September; Student-based student loan is to help students log in to the student online service system to apply after receiving the admission notice. However, the specific starting and ending time is different from the provisions of the local financial aid management center, and loan students need to consult the local financial aid management center. Different loan conditions, the national student loan period in principle does not exceed 6 years after graduation; According to the academic system, the student-origin student loan is 10 years in principle, and the longest is 14 years.