In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.
Second, how to fill in the loan term of the student-origin student loan?
The life of student-origin student loan is calculated according to the school time plus the repayment life. For example, if the loan term is 10 years, the term is 6 years. Students in school are calculated according to the remaining years of schooling. For example, the remaining life is 3 years, the loan life is 10 years MINUS 3 years of school time, and the repayment life is 7 years.
However, the longest term of student-origin loans is the normal academic system plus 10 years, which is 14 years. General students only need to repay the interest during the grace period after graduation, and then repay the loan principal and interest according to the average capital after the grace period.
If students are in place, such as graduate students, there will be a corresponding decrease.
The repayment date of student-origin student loan is 65438+February 20th every year. Everyone must pay attention to repayment on time, and deposit the full amount of funds in time before February 20 every year (the repayment date of the last year is September 20).
Loan amount, term and interest rate
(1) Loan amount
The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1000 and 8,000. In principle, it is used for students' tuition and accommodation during school. When granting student loans, colleges and universities may not apply for student-origin credit student loans at the same time.
(2) loan term
In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of the education system) plus 10 years, and the longest period shall not exceed 14 years. Two years after graduation, the students will start to press the loan contract.
There is a grace period for students during school and two years after graduation. After the grace period, students and their parents (or others) will repay the loan principal and interest in installments. Borrowing students who have studied for more than 4 years and continue to study for higher degrees (including graduate students and second bachelor's degrees) will shorten the period of repayment of principal and interest after graduation.
(3) Loan interest rate
The benchmark interest rate of RMB loans announced by the People's Bank of China will be paid in one lump sum, and the adjusted interest rate is the same as that announced by the People's Bank of China on the adjustment date.
Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. The interest after graduation shall be borne by the students and their parents (or other legal guardians).
(
According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower.
1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.
2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year.
3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.
3. Is there a date limit for student loans?
There is a time limit for applying for student loans.
Because the time of the national student loan is fixed every year, the student-origin credit student loan is applied, approved and issued annually, so if you miss the application this year, you can only wait until the national student loan begins to be accepted next year.
Every September, colleges and universities all over the country will begin to accept applications one after another. If you want to apply, you should consult the teacher about the content as soon as the school starts.
Fourth, student loans for several years.
The loan period is not until graduation. If you apply after graduation, it's time for you to graduate from your new school.