I. The object and scope of this interest-free deferred repayment of principal.
The object of interest exemption and deferred repayment of principal this time is loan students who graduated in 2022 or before and should repay the principal or interest in 2022. Graduates who have settled the national student loan before the announcement are not covered by this policy.
First, for the newly graduated loan students in 2022, the national student loan interest will be fully subsidized by the finance during the school period, and the interest that should be paid by individuals in 2022 after graduation will be exempted when they enter the repayment period. As long as the application for prepayment is submitted and the loan principal is paid off before June 5438+February 65438+May this year, there is no need to pay additional loan interest.
Second, for the loan students who graduated from previous years, the national student loan interest that should be repaid in 2022 and the penalty interest generated by previous loans overdue in 2022 will be exempted. It should be noted that the penalty interest on the principal and overdue interest generated in the interest-bearing years before 202 1 cannot be waived.
Third, loan students who graduated in previous years should be exempted if they have repaid the interest in 2022 before the issuance of the Notice. This is divided into two situations.
1. If the undertaking bank does not deduct money, the corresponding funds will not be deducted, and the loan students will use it themselves.
2. If the undertaking bank has completed the deduction operation, the undertaking bank will return the deduction interest to the personal account.
Second, in 2022, the repayment of the principal of the national student loan will be postponed.
First, the loan students who are in the grace period of repayment of the loan principal do not need to repay the loan principal in 2022, so the policy of deferred repayment of the loan principal is not applicable, and the loan term remains unchanged.
Second, loan students who are in the repayment period can postpone the repayment of the loan principal in 2022 by 65,438+0 years upon their own application. If they fail to submit their application or fail to apply because their application does not conform to the relevant national policies, they can continue to enjoy the interest-free policy in 2022 according to the requirements of the Notice, but the remaining repayment should still be repaid in accordance with the loan contract.
That is, the repayment time of principal is delayed by one year, and the date of delayed repayment is the same day of the same month in 2023 (that is, the same day of the same month after the original repayment date is delayed by one year). For example, if this year's contract expires on September 20th, the loan will be repaid on September 20th, 2023 after the repayment of the principal is postponed). After applying for deferred repayment of the principal in 2022, the principal amount accumulated for two years will be repaid on February 20, 2023 (for example, the principal of 65,438+0,000 will be repaid this year, and the principal of 65,438+0,000 will be repaid normally next year by overlapping repayment). The repayment plan for 2024 and beyond will remain unchanged.
Third, before the issuance of the Notice, the principal that has been partially repaid or fully repaid by the loan students cannot apply for deferred repayment.
Three, the student loan interest-free and principal deferred repayment process
The first is the interest-free process. Borrowing students do not need to apply for interest-free national student loans in their own names within the interest-free notice, and the development bank will automatically waive relevant interest in accordance with the relevant provisions of the notice. Borrowing students can log in to the online student loan system of China Development Bank (hereinafter referred to as the online student loan system) to inquire about the corresponding interest-free situation within five natural days before the repayment date of 2022 as stipulated in the Loan Contract of Student Credit Loan of China Development Bank (hereinafter referred to as the loan contract).
The second is the application process of deferred repayment of principal. If the borrower needs to postpone repayment of the principal of the national student loan under his name within the scope of "deferred repayment of principal", please log in to the online student aid system to apply for deferred repayment of principal before the repayment date of 2022 (excluding) agreed in the loan contract, and complete relevant operations according to the system prompts.
Borrowing students who apply for deferred repayment of the principal of several national student loans under their names must apply for deferred repayment of each national student loan principal through the student online system no later than the earliest repayment date in 2022 (excluding) agreed in the relevant loan contract (hereinafter referred to as the "original repayment date"). After borrowing students successfully apply for the extension of principal, they may not cancel the extension application, but may apply for early repayment during the extension period. If part of the principal has been repaid in advance, a new repayment plan will be generated according to the average capital method. In the new repayment plan, the principal payable in 2022 can be applied for deferred repayment.
The contract will expire on September 20th this year. If you don't apply for deferred repayment of principal, the loan principal that is not repaid on time will become overdue principal, and overdue principal will generate overdue interest and penalty interest. However, the newly generated overdue interest and penalty interest in the interest-bearing year of 2022 need not be borne by the borrowing students, but will be borne by the finance. The penalty interest incurred afterwards shall be borne by the students themselves. The overdue principal will be submitted to the credit information system of China People's Bank.