When college students encounter family financial difficulties and cannot afford tuition, they can consider applying for a student loan. Student loans for college students are divided into students' origin loans and college loans. Some students asked when the repayment date of the 202 1 student loan was. Usually this time!

202 1 when is the repayment date of the student loan?

If a student applies for a student-origin student loan, the interest generated by the loan should be repaid from September 1 day of the first year after graduation. Yes, just graduated college students can only repay the loan interest on a monthly basis, without paying the principal. 65438+February 20th every year is the annual interest settlement date.

Two years before graduation, you need to repay the principal of the student loan. In the third year of graduation, the loan principal will be repaid. For example, the loan amount is 8,000 yuan, and if the term is 5 years, the loan principal needs to be repaid every year 1600 yuan. In most cases, the deduction date of the principal is 20 days.

If students want to apply for prepayment, they need to apply to the bank before 10 every month, and then the repayment date will become 15 of that month.

The repayment method of student loans is also relatively simple. Students should deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year. Then the system of China Development Bank will automatically deduct money when the repayment date comes.

In addition, we need to remind everyone that the interest of student-origin student loans is implemented according to the benchmark loan interest rate issued by the central bank at the same time, and it is required to be paid off in full on September 20 of the last year of the loan term. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.

The above is the sharing of "202 1 student loan repayment date", I hope it will help everyone!

When is the fixed interest settlement date of the national student loan every year?

65438+February 20th.

Calculation method of national student loan interest

1, for loans within six months (including six months), the annual interest rate is (%) 5.10;

2. For loans from half a year to one year (including 1 year), the annual interest rate is (%) 5.10;

3. For loans from one year to three years (including three years), the annual interest rate (%) is 5.50;

4. For loans from three years to five years (including five years), the annual interest rate (%) is 5.50;

5. For loans over five years, the annual interest rate (%) is 5.65.

Extended data:

As long as the loan students successfully apply for a student loan, they can repay in advance. Submit this month's prepayment application before 10( 1- 10 and 12) every month. Note that June 1 1 cannot be repaid because it is the system interest settlement time. After submitting the prepayment application, the full amount of funds should be recharged to the student Alipay account before 15, and then the system will wait for the deduction on the 20th day of the prepayment month.

When will the annual student loan be repaid?

First, the repayment time of student loans.

1. According to the student loan policy, the interest settlement date of the loan is 65438+February 20th every year.

2. Within two years after graduation, the borrower shall deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.

3. Borrowing students who want to repay in advance can apply during the period from 1 to1every month (except 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank.

Reminder: The interest of student-origin student loans shall be implemented according to the benchmark loan interest rate issued by the central bank in the same period, and it is required to be paid off in full on September 20 of the last year of the loan term. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.

Second, the amount of student credit loans

The loan amount does not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.

Three, the student credit loan period

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. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract.

There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. 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.

Extended data:

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.

The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.