After the success of the student loan, the national student loan provided by the Agricultural Bank of China and other banks will be applied once and distributed year by year. So there is no time limit.
Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.
Matters needing attention in student loans:
1. All materials need A4 paper, and materials that are not A4 paper can be pasted on A4 paper.
4. Every copy should be clear.
3. Writing should be neat and standardized, and written with carbon ink or black pen.
4. The seal on each material must be clear.
All forms should be consistent, not contradictory.
6. Repay in time to avoid overdue.
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.
Extended data
Handling of loans overdue as a student.
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.
Baidu encyclopedia-student loan