The interest will be calculated from September of the year when the students graduate.

the national student source credit student loan refers to the student loan issued by the China development bank to eligible freshmen and students in colleges and universities with financial difficulties, and handled in the county (city, district) where the students registered before entering school.

Students' loans are credit loans, and students and their parents (or other legal guardians) are * * * the same borrowers, and * * * are both responsible for repayment.

The financial institution of student-origin credit student loans is mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank is determined by the local financial, educational and banking supervision departments and the China Development Bank and other financial institutions through consultation. How long does it take for a student loan to earn interest after graduation?

After graduation, interest will be calculated from September. Because, loan students usually start school in September, regardless of the application for 4 years, 5 years or even longer, the loan will end in September. Therefore, after graduation, the repayment interest of the first year is calculated from September 1st to December 2th, and the period is 81 days, and the interest will be generated according to the number of days.

after that, the interest is calculated on an annual basis, the repayment interest in the last year is less than one year, and the interest is calculated from December 21st to-September 2th, which is also calculated on a daily basis. I. policy introduction

① what is a student-origin credit student loan?

Student-origin credit student loans refer to student loans issued by financial institutions such as China Development Bank to eligible freshmen and students in colleges and universities with financial difficulties, and handled in the county (city, district) where the students registered before entering school. Students' loans are credit loans, and students and their parents (or other legal guardians) are * * * the same borrowers, and * * * are both responsible for repayment.

② Loan amount and purpose

Full-time college students (including second bachelor's degree and higher vocational students) and preparatory students apply for a loan amount of no more than 8, yuan per year, which is not lower than that of 1 yuan; If the sum of annual tuition and accommodation fees is less than 8, yuan, the loan amount shall be determined according to the sum of tuition and accommodation fees; If the sum of annual tuition and accommodation fees is higher than 8, yuan, it shall be determined according to 8, yuan. Full-time graduate students (including master students and doctoral students) can apply for a loan of up to 12, yuan, and other provisions are the same as those of full-time ordinary college students.

③ The loan term

is 13 years according to the academic system, and the longest is not more than 2 years.

④ how to determine the interest rate?

the benchmark interest rate of RMB loans of the same grade in the same period announced by the People's Bank of China shall be implemented without floating. It is adjusted according to the latest benchmark interest rate on December 21st every year.

⑤ when will the repayment start and how long is the grace period for repayment?

during the study period, all the interest will be subsidized by the finance.

if you don't continue to pursue your degree in the year of graduation, you only need to repay the interest within the grace period of 3 years, and the loan principal and interest will be repaid in the fourth year of graduation (except in special circumstances). After graduation, those who continue to study for a degree during the repayment period should apply to the county-level financial aid center in time and provide written proof. After passing the examination, they can continue to enjoy the discount and a three-year grace period for repaying the principal, but the loan period will not be extended.

⑥ what conveniences can the poor people enjoy by setting up a file and establishing a card?

students who belong to the poverty-stricken population who set up a file and set up a card can go directly to the county-level financial aid center to apply for loans, without having to identify their family financial difficulties.

ii. application conditions ① applicants should meet the following conditions at the same time ② * * * What conditions should the borrower meet? Iii. loan application process and loan application materials

① Pre-application

Students studying in ordinary high schools and secondary vocational schools can apply in advance if their family financial ability is difficult to meet their basic expenses of study and life during their college stay, including but not limited to: students who have received state grants in any school year in high schools (including ordinary high schools and secondary vocational schools) (including fresh graduates and repeat students); File students from poor families, students from minimum living guarantee families, students from poor families, orphans and disabled students, children of martyrs, disabled students from poor families and disabled children.

② where can I apply for a loan?

Student-origin credit student loans are applied, approved and issued annually.

at the time of the first loan, the borrowing student and the borrower need to go to the county-level financial aid center where their household registration is located together. How long does the national student loan begin to calculate interest after graduation?

The national student loan interest begins to bear the loan interest on September 1st of the graduation year, and the first year interest is repaid on December 2th of that year, and the principal is repaid on December 2th of two years after graduation. Start counting.

Generally speaking, the first loan repayment starts 24 months after graduation and is paid off within two years. You can apply for early repayment.

prepayment only charges interest during the use of the loan, and the interest after the prepayment date does not need to be repaid.

In addition, it is important to pay special attention to ensure that the monthly balance in the repayment account is sufficient to ensure normal repayment and avoid overdue.

The repayment of student loans will be recorded in the Credit Information Center of the People's Bank of China. Many people find that they can't apply for car loans with bad credit records, but they don't have a credit card and have not applied for other loans. As a result, the repayment of student loans is overdue.

The CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. Establishing and perfecting the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, is an important measure to practice Theory of Three Represents, implement Scientific Outlook on Development and build a harmonious socialist society; It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement to effectively perform the public financial functions and promote the equalization of basic public services.

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