Student loans will start in September after graduation, and the loans will end in September regardless of the application for 4 years, 5 years or even longer. Therefore, the repayment interest in the first year after graduation is calculated from September of 1 year to February 20th of 1 year, and the period of * * * is 8 1 day, and the interest will be

After that, interest is calculated on an annual basis. The repayment interest in the last year is less than one year, and the interest is 0 days, which is also calculated on a daily basis.

(1) What is a student-origin credit loan?

Student-origin credit loan refers to the loan issued by the household registration office for freshmen and students in economically disadvantaged universities such as China Development Bank before students enter school. Student loans are other legal guardians of credit) * * * Same as borrowers, * * * is responsible for repayment.

② Loan amount and purpose

Full-time undergraduate degree, higher vocational students), preparatory students each apply for a loan amount of not more than 8000 yuan per year, not less than 1000 yuan; The sum of tuition and accommodation fees per year is lower than that of tuition and accommodation fees, and the sum of fees is higher than 8000 yuan. Full-time graduate students (including master students and doctoral students) 12000 yuan, and other provisions are the same as full-time college students.

③

According to the academic system, add 13 years, with a maximum of 20 years.

④ How to determine the interest rate?

The benchmark loan interest rate of the People's Bank of China shall be implemented, and it will not rise. According to the annual rate of 65438+February 2 1

⑤ When to start repayment and how long is the grace period for repayment?

During the study period, all interest will be subsidized by the finance.

You only need to pay the interest within the grace period of 3 years in the year of graduation, and pay the interest in the fourth year of graduation (except in special circumstances). Those with a degree should apply to the county-level funding center in time and provide written proof. After passing the examination, the grace period can be extended, but the loan term is not extended.

⑥ What conveniences can the poor people enjoy by setting up a file and establishing a card?

Students who belong to the poverty-stricken population who set up a file and set up a card can apply for loans directly to the county-level funding center.

Second, the application conditions ① What conditions should the applicant and the borrower meet? Three. Loan application process and loan application materials

① Pre-application

Studying in ordinary high schools and secondary vocational schools is difficult to meet their study and life during college, including but not limited to: students (including fresh graduates and repeat students) who have obtained state grants in any school year in high schools (including ordinary high schools and secondary vocational schools); File students from poor families, students from minimum living guarantee families, students from poor families, orphans and disabled students, children of martyrs, disabled students from poor families and disabled children.

② Where can I apply for a loan?

Students' credit student loans are applied, approved and issued on an annual basis.

When making the first loan, the borrower and the borrower need to go to the county-level aid center where the household registration is located.

Second, how to calculate the interest on the student loan of 65438+4.5 in 2006?

The national student loan interest rate is calculated according to the benchmark loan interest rate published by the People's Bank of China for the same period, which is not affected by local policies, that is, the interest rate does not rise. Interest is calculated from the time students graduate.

In the first year of graduation, graduates only need to pay the interest of11day (September1-February 20th).

The interest calculation formula is: interest = total loan annual interest rate111/360,2016 student loan annual interest rate of 4.5%.

You need to pay one year's interest in the second year of graduation (from 65438+February 2 1 in the year of graduation to 65438+February 20/in the year of graduation). Interest = annual interest rate of total loans is 365/360,2065438+annual interest rate of student loans in 2008 is 4.5%.

The interest payable in the third year of graduation is exactly the same as that in the second year of graduation.

From the fourth year of graduation-until the student loan is paid off: the interest on the loan balance will be paid back for one year every year.

Interest = the annual interest rate of the loan balance is 365/360.

The interest generated during the study period shall be borne by the state, and the interest after graduation shall be borne by the loan students. The annual interest rate of the same student loan after repayment may be different, which is determined by the national policy. Loan students should pay attention to the relevant announcements of the National Development Bank or the Student Financial Assistance Management Center of the County Education Bureau.

What is the interest on the national student loan from 3.20 16?

There is no interest, because the national student loan does not generate interest during school.

Fourth, how to calculate the interest of the national student loan?

Calculation method of annual interest rate of student loans: The national student loan interest rate shall be implemented according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise. The current annual loan interest rate is: one to three years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest = the annual interest rate corresponding to the loan amount /365 loan days. Simply put, you don't have to pay interest when you are still studying until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch. Assuming that the loan amount applied by the loan student is 8,000 yuan, and the annual interest rate is 4.75%, then the interest for one year is 380 yuan. According to relevant regulations, the interest on college students' loans is determined according to the benchmark interest rate issued by the central bank. Generally speaking, the interest rate of student loans will fluctuate on the basis of the benchmark interest rate, with a maximum increase of 24%. 202 1 The student loan applied by college students, whether it is a student-origin student loan or a college student loan, only needs to be applied continuously, and the application period is generally more than 6 years. The benchmark interest rate for five-year loans of the State Bank is 4.75%. The interest rates of China Development Bank in different regions are basically the same, and there will be no ups and downs, nor will interest rates rise. The repayment method of college students' student loan is calculated on an annual basis, and the repayment time is-12-20 every year. In the first two years after graduation, college students can choose to pay only the loan interest. From the third year of graduation, college students need to repay the loan principal and interest at the same time. According to the national regulations, during the period of students' study, all the interest of subsidies is paid by financial subsidies. From September of the graduation year 1, bear the loan interest by yourself. If they don't want to pay interest, they can choose to pay it back in full. Repayment method: (1) Students shall pay off in one lump sum or in installments before graduation. (2) After graduation, students can look at their own movable funds to repay the loan. (3) After the probation period expires, graduates will be deducted from their salaries month by month within two to five years. (4) Depending on its performance, the unit where the graduates work decides to reduce or exempt the loan repayment. 5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.