Student loans can apply for deferred repayment, but they must meet the extension conditions. Under normal circumstances, the extension is allowed for reasons such as promotion to undergraduate course, graduate study, and master's degree transfer to master's degree. Due to illness, joining the army, supporting and other reasons, it is necessary to extend the academic system and postpone it; The extension of academic system caused by the transfer of departments needs to be extended and postponed.
You can apply for extension of college graduation loan. You can apply for deferring the repayment of your college graduation loan. You need to pay attention to:
1. Those who choose to pursue a higher degree (postgraduate degree or second bachelor's degree) after graduation from university can apply for renewal of the loan during their study period, and repay the student loan after graduation from postgraduate/second bachelor's degree, and the repayment period will be shortened accordingly (the term of the student loan is academic system plus 15, and the longest is no more than 22 years).
2. In the executive meeting held in the State Council on May 1 1, 2022, it was clearly pointed out that the principal of the student loan for graduates in this year and previous years can be postponed 1 year; And decided to waive the national student loan interest that should be repaid this year, and the interest-free funds will be borne by the finance.
After the extension, you must also remember to repay on time (the annual repayment date of the student loan is 65438+February 20, and the last year is September 20). The student loan itself provides a five-year grace period for repayment of the principal, that is, when the student loan starts to be repaid after graduation, only the interest can be repaid in the first five years, and the principal and interest will be repaid after the five-year grace period.
How to postpone the repayment of the student loan of China Development Bank? Students who meet the extension conditions can go to the college student office for extension registration and apply for extension repayment. Loan students apply for continued interest subsidy, and after examination by their universities, they apply to the loan handling bank for deferred repayment.
After receiving the application for deferred repayment approved by the school, the loan handling bank will adjust the student loan repayment plan of the loan student, and the loan interest generated during the period of continuing to study for the degree will continue to be subsidized by the original discount finance department according to the affiliation of the university where the loan student is located.
Business handling in different regions is slightly different. Please consult your university or student loan for the specific application method of deferred repayment.
Second, what is the repayment of student aid in loans overdue?
1, the time limit for students to study in loans overdue, and the situation that the consumption funds are not fully deposited into the designated account on time.
2. Student-origin credit student loans refer to student loans issued by financial institutions such as China Development Bank to eligible freshmen in institutions of higher learning and students with financial difficulties (hereinafter referred to as students). Students and guardians apply to the student financial assistance management center or financial institutions in the county (urban area) where the students study to help the students with financial difficulties pay the tuition and accommodation fees required during their studies at school. Students and their parents (or other legal guardians) are the same borrower, and * * * is responsible for repayment.
3. Borrowing students are required to start repaying student loans after graduation. Student-origin student loans are repaid through Alipay account. It should be noted that the student date is 10 before February 20th and before June 20th. If Alipay is not paid within the time limit, overdue repayment can be made.
Generally speaking, every bank will charge a certain interest for overdue repayment, and each bank is different. Generally, five ten thousandths of the calculation date is calculated from the date of consumption, not the day after the final repayment.
3. What do you mean by deferred repayment at home?
It means that the student loan is postponed.
According to the Notice on Doing a Good Job in Interest-free Deferred Repayment of National Student Loans in 2022 (No.Cai Jiao [2022] 1/KLOC-0, hereinafter referred to as the Notice), the principal of national student loans that should be repaid by loan students who graduated in 2022 or before can be postponed1upon my application.
After the successful application for extension, the borrower needs to repay the principal and corresponding interest in 2022 and 2023 in 2023 (except the interest exempted during the interest-bearing period in 2022), which is not without interest.
Borrowing students are requested to decide whether to apply for deferred repayment of principal after comprehensive consideration.
Four, about the problem of deferred repayment of student loans for college students in Hebei Province, please ...
The so-called application for deferred repayment means going to the bank that borrowed money before to go through the extension formalities. Many policies show that it is possible to go through the extension formalities. First of all, you have to find out which bank you originally handled and where the address is. Then, take your ID card and loan contract and go to the bank in person. Banks usually have special windows or offices to handle matters related to college students' loans. If you are admitted to your undergraduate school, it is very simple to handle, but if you are admitted to other schools, it is very difficult to handle, and banks generally will not handle it.