Who will bear the national student loan interest during the student loan period? The interest of the national student loan during the student loan period shall be borne by the national financial department.
China Student Loan is an interest-free loan provided by the state to students in China, aiming to help them solve their living expenses during their study. From 65438 to 0987, the enrollment of freshmen in colleges and universities began to be fully implemented.
Institutions of higher learning or majors that implement professional scholarships do not implement the student loan system.
The loan funds come from the funds allocated by the state authorities to institutions of higher learning. All students who meet the application conditions can apply, and their parents are repayment guarantors, which can be obtained with the approval of the school.
Is there any interest on the student loan? I have no interest in school. The "interest-free" here does not mean that this kind of loan has no interest, but that the interest generated by this kind of loan is paid to the lender with state subsidies, and students do not have to pay. After graduation, that is, after leaving school, even if interest is paid, it will be paid by the individual at the benchmark interest rate after graduation.
If the repayment is delayed after graduation, it will generate a lot of interest. The interest after graduation is shared by the students and their parents (or other legal guardians). Naturally, it is best to pay off as soon as possible. After all, paying off as soon as possible will generate less interest.
Student loan interest rate: 1, within six months (including six months) 6.10%; 2, six months to one year (including one year) 6.56%; 3, one to three years (including three years) 6.65%; 4, three to five years (including five years) 6.90%; 5, more than five years 7.05%.
Not everyone can enjoy the student loan. Applicants must have full capacity for civil conduct, be honest and trustworthy, and abide by the law. They are full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) approved to set up and implement higher education in accordance with relevant state regulations, and have obtained a true, legal and effective admission notice.
Interest is calculated from the month following the student's graduation certificate 1 day. The interest rate of student loans is consistent with the benchmark interest rate of the same grade published by the People's Bank of China in the same period. Interest = principal * annual interest rate. For example, the principal of the student source loan is 6,543,800 yuan, and the interest calculated at the annual interest rate of 6.55% for the whole year of graduation is 6,550 yuan.
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.
The applicants of the Student Source Credit Loan of China Development Bank (hereinafter referred to as Student Source Loan) are students from poor families whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardian) form a student loan co-borrower.
(a) the object of student loan support must meet the following conditions:
1. has People's Republic of China (PRC) nationality;
2. Honest and trustworthy, law-abiding;
3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);
The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.