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.
When will the student loan be repaid?
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%.
Amount of student-origin credit student loan:
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.
Term of student source credit student loan:
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.
The repayment time of the national student loan shall be subject to the repayment time agreed in the contract. Under normal circumstances, the annual repayment time is 65438+February 20th, and the repayment time of the last year is September 20th. If the repayment is made in advance or overdue, the repayment time of the national student loan will change.
1, normal repayment time
If it is normal repayment, the repayment time shall be subject to the agreement in the contract. Usually, the repayment time agreed in the contract is 65438+February 20th or September 20th. Loan students need to recharge the payable amount to Alipay account 5 days in advance, and then wait for the system to automatically deduct the money.
2. Time for prepayment
If you want to apply for prepayment, you need to apply for repayment before 10 every month. After the application is approved, the prepayment time will be changed to 15 of the current month, and the loan students need to recharge the due amount to Alipay account before 15, and then wait for the system to automatically deduct the money.
3. Time of overdue repayment
Overdue repayment, overdue repayment time for the 20th day of each month. Loan students need to recharge the repayment amount to Alipay account before 15, and the repayment amount should include overdue principal and interest and penalty interest as of the 20th of this month.
202 1 when is the repayment date of the student loan? Usually this time!
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 normal repayment time of the national student source credit 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 7 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: 6000*8 1 day * 4.90%/360 = 66.15; Interest paid in the second year: 6000*4.90%=294 yuan; Principal: 6000 yuan+interest: 6000 * 275 * 4.90%/ third year. 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. 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. PayPal repays the student loan: 1, and China Development Bank repays the student loan in advance. 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. Please refer to your loan background repayment record for the specific repayment record. Bank repayment of college student loan: 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.