Because the school usually starts in autumn, and the school year spans two years to the end of the following year, the student loan science should fill in the xxxx-xxxx school year, such as 2020-202 1 school year.
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 year, the school will stay for 4 years and the repayment period will be 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. Generally, students will have a two-year grace period after graduation, during which they only need to repay interest. After the grace period, they will repay the loan principal and interest in the form of average capital. If students continue to pursue their degrees according to the normal academic system such as graduate school after graduation, the repayment period after graduation will be shortened accordingly. 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 funds in full into Alipay account before February 20 every year to avoid overdue behavior (the repayment date in the previous year was September 20). : loan amount, term and interest rate (I) loan amount The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1 1,000 and 8,000. 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. (II) Loan Term In principle, the loan term is determined according to the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the longest loan term does not exceed 65,438+04 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. The two-year grace period is for students at school and 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. (III) Loan interest rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period 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. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). (IV) Discount Policy According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on the 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. I have a four-year schooling and am applying for a student loan in Sichuan Province. ...
Student loans are generally signed once a year. Please ask CDB for details. Spread out completely
Four, how to fill in the application year in the student loan application form?
A school year means a school year. It is understood that all students enter school in September. For example, you entered school in 2008 last year, so you have already entered school in 2008-200.