The longest is not more than 10 years.
Two. What is the longest term of the national student loan?
Generally speaking, the term of national student loans in colleges and universities does not exceed 10 years, and the longest term of student-origin credit student loans does not exceed 14 years. 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 colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan led by the government, with financial subsidies and certain risk compensation from the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students with financial difficulties in colleges 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. 20 12 On August 8th, the new student loans of the Development Bank will exceed1200 million yuan. There are four main loan forms: national student loan; Student-origin credit student loan; Colleges and universities use state financial funds to provide students with interest-free loans; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have carried out the national student loan work, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 years to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their studies will be fully subsidized by the government. On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the Insurance Regulatory Commission of the Bank of China jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Zi. [2020] No.4), which clearly proposed to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.
Three, the national student loan repayment period is a few years?
Pay off the loan principal and interest within four years after graduation.
Fourth, can the term of the student loan be written as 18?
Under normal circumstances, the loan period of student-origin student loans is 6- 14 years, which is determined in principle according to the academic system plus 10 years. The shortest loan period of student-origin student loans is not less than 6 years, and the longest loan period is not more than 4 years. If the full-time undergraduate course lasts for more than 4 years or continues to pursue postgraduate or second bachelor's degree, the repayment period after graduation will be shortened accordingly.