In principle, the term of student-origin credit student loan shall be determined according to the academic system plus 13 years, and the longest term shall not exceed 20 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.

Three years after students graduate from school is a grace period for repaying principal and interest. After the grace period for repayment of principal and interest, students and their parents (or other legal guardians) will repay the principal and interest of the loan in installments according to the loan contract.

2. When is the normal repayment time of the national student loan?

Student-origin student loans can be divided into normal repayment, early repayment, overdue repayment and due repayment, in which the normal repayment time is1from October 0 to February 20/1every year; The prepayment time is 20th of the current month or 20th of the following month; The overdue repayment is from June 1 to June 1 to 1 October 20th, and from June1to February 20th; The repayment due is between last year 1 October 1 1 and February 20th1.

Interest analysis of national student loan

For example, an undergraduate student in a university borrows 6,000 yuan, with a loan term of seven years and a loan interest rate of 4.90%. How much interest should he pay?

Since the interest is free during the school period, the interest payment for the first four years is 0.

Interest paid in the first year: 60008 1 day 4.90%/360=66. 15.

Interest paid in the second year: 60004.90%=294 yuan.

The principal of the third year is 6000 yuan, and the interest is 60002754.90%/360=6224.58 yuan.

Interest analysis: the loan period is 6000 years, the loan period is 7 years, and the interest paid by * * * is 584.73 yuan. It can be said that the interest to be paid is very low.

Repayment methods of student loan for college students

At present, there are two repayment methods for student loans: Alipay repayment and bank repayment. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. Therefore, the earlier the loan is repaid, the less interest can be paid.

College students repay student loans with PayPal;

1, the student loan of China Development Bank is repaid in advance

2. Every month before 10.

3. Log on to the student loan information network of China Development Bank.

4. Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.

5. Find the prepayment cancellation.

6. Apply for prepayment as required. [The application date for prepayment is from June 1 day to June1day (except June 1 1 day)]

7. For specific repayment records, please check your loan background repayment records.

University student loan bank repayment:

1. Before you go to the bank, you must bring all the materials for handling student loans, as well as your ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process;

2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

3. Go to the counter to handle the loan repayment procedures;

4. Send the repayment voucher to the relevant person in charge.

3. When is the due repayment date of the student-origin credit student loan?

Student-origin credit student loans refer to student loans issued by financial institutions to freshmen and students with financial difficulties in eligible ordinary colleges and universities (including full-time ordinary undergraduate colleges and higher vocational colleges), which are handled at the place where students are registered before they enter school. The loan is a credit loan, which is mainly used to solve the tuition and accommodation expenses of students during their school days. Students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. At present, Jiangxi Branch of China Development Bank has become the handling bank of this loan in our province. According to reports, anyone who meets one of the following characteristics can apply for a student-origin credit student loan: poor rural households and urban low-income households; Families of orphans and disabled people; Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses; Family members suffering from major diseases; The creator of the family's main income loses the ability to work for some reason; Single-parent families with no stable income; Poor families in old, young, marginal, poor and remote rural areas; Families where one or both parents are unemployed; The total annual cash income of the family is less than 8,000 yuan; Other poor families. The loan amount does not exceed 6000 yuan, and the longest service life is 14. When a student applies for a student-origin credit student loan, the loan amount applied for each year is not less than 1 000 yuan and not more than 6000 yuan. The specific amount is determined according to the student's tuition and accommodation needs. Among them, students who obtained national student loans in colleges and universities in those years are not allowed to apply for student-origin credit student loans at the same time. In terms of loan term, in principle, it is determined according to the full-time undergraduate academic system plus 14 years, and the longest period shall not exceed 14 years. There is a grace period for students during their stay at school and within 2 years after graduation. After the grace period, students are required to repay the loan principal in installments in the form of average capital. Among them, the student's interest during school is fully subsidized by the finance, and the borrower pays interest after graduation. Among them, the students admitted to the central colleges and universities, the loan interest is borne by the central finance. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Students studying in this province shall be borne by the finance at all levels according to the affiliation of colleges and universities.

4. When is the due repayment date of the student-origin credit student loan?

Due date of student-origin credit student loan. Student-origin student loans are repaid through Alipay account. Before the student-origin student loan is normal every year, the repayment date of the last year is before September 20. If it is overdue on the 20th, Alipay can make overdue repayment.

Note: Student-origin credit student loan refers to the student loan issued by China Development Bank to freshmen and students in colleges and universities with financial difficulties. Students and their parents (or other legal guardians) pay tuition and accommodation fees to students with financial difficulties in the county (urban area) where the students study.

Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.

Extended data:

Source of students

1. Frequency of signing loan contracts: In order to standardize loan management, avoid stipulating that student loan contracts should be signed once a year. Must be present at the same time when signing the loan contract for the first time; When signing the loan renewal contract, the borrowing student or * * * can handle it with the loan letter.

Since 20 1 1 year, the borrowing students have agreed with * * * that it is not necessary to sign the Scholarship.

2.* * * Same borrower: * * The same borrower is the borrower's parents or legal guardians in principle and must borrow household registration; * * * If the borrower is not a parent, he must be 25-60 years old. If he is over 60, please replace him.

3. Student financial aid application form, student ID card and borrower ID card held by me) and a copy of the above materials; I and the * * * borrower only need to produce the household registration book, without a copy; Other materials that need to be provided by the funding center. From 20 1 1, students only need to go to the university financial aid center to handle the electronic receipt online, instead of mailing the paper receipt.

4. Credit materials of students' origin: the application form signed by me and a copy of the student ID card. If the loan is made on the spot, the other party can hold a power of attorney (20 1 1 not required in the new contract) to prove that the handling personnel have not applied for the national student loan in colleges and universities.