The loan amount for undergraduate student credit student loans is

The loan amount for full-time undergraduate and junior college students shall not exceed 8,000 yuan per person per academic year, and for full-time graduate students shall not exceed 8,000 yuan per person per year. In principle, any amount exceeding RMB 12,000 will be used for tuition and accommodation fees during the student’s stay at school. Current students in colleges and universities who have obtained national student loans from the college that year are not allowed to apply for student credit student loans at the same time.

Credit student loan in the student's place of origin is a credit assistance provided by the government and relevant financial institutions to college freshmen from poor families receiving higher education or undergraduate, postgraduate and second bachelor's degree students currently studying in colleges and universities. Student loans help cover tuition and accommodation fees during school.

In principle, the loan period is determined based on the number of years of full-time undergraduate and junior college studies (the remaining years of the school system for current students) plus a maximum of 10 years, and the maximum loan period shall not exceed 14 years. Students will begin to repay the loan principal in annual installments as stipulated in the loan contract two years after graduation.

The grace period is the two years after the student is in school and after graduation. After the grace period, the student and parents (or other legal guardians) will repay the loan principal and interest in annual installments in accordance with the loan contract. Borrowing students who have studied for more than 4 years and continue to study for a higher degree (including graduate school and second bachelor's degree) will have a correspondingly shortened period of self-payment of principal and interest after graduation. How much can you borrow with university student loans

According to the student loan policy of the People’s Republic of China, the funding standard for national student loans has been adjusted from no more than 6,000 yuan per person per year to full-time general undergraduate and junior college students per person per year. No more than 8,000 yuan. If a full-time graduate student applies for a student loan, the amount cannot exceed 12,000 yuan per person per year.

If students from colleges and universities are drafted into the army, they need to apply for compulsory military service tuition compensation, national student loan reimbursement, and tuition exemption.

It is also the responsibility of each undergraduate and junior college student every year. The amount of more than 6,000 yuan per person and no more than 8,000 yuan per year for master's students has been changed to no more than 8,000 yuan per person per year for undergraduate and junior college students, and no more than 12,000 yuan per person per year for master's students.

If you are a student who graduated from a college and works in a grassroots unit, you can also apply for a national student loan.

The national student loan reimbursement standard and the tuition subsidy standard for retired soldiers when applying for employment tuition compensation for this type of students are adjusted from no more than 6,000 yuan per person per year to no more than 8,000 yuan per person per year for undergraduate and junior college students, and no more than 8,000 yuan per person per year for graduate students. No more than 12,000 yuan per person per year.

How to calculate student loan interest rate?

According to relevant regulations, the interest rate of student loans is based on the benchmark interest rate of the Central Bank when the loan is issued and the same level of benchmark interest rate for the same period. It can be adjusted according to the interest rate on December 31 of each year.

Loan interest rate in 2021: The loan term is within 1 year, and the loan base interest rate is 4.35% per year. The loan term is 1-5 years, and the loan base interest rate is 4.75% per year. The loan term is more than 5 years, and the loan base interest rate is 4.90% per year.

There are four main forms of student loans: national student loans; credit-based student loans from the student’s place of origin; interest-free loans provided by colleges and universities using state financial funds for students; and general commercial student loans. Among them, national student loans have the largest funding intensity and scale and are the main content of student loans.

Having colleges and universities

All public full-time colleges and universities should actively implement the national student loan policy and work with cooperative banks to apply for national student loans for students from poor families in colleges and universities. In addition, some private colleges and universities have launched national student loans. Students should pay attention to the relevant statements in the school’s admissions brochure or admission notice

Application method

Generally speaking, poverty Homeschoolers need to apply for a national student loan from a local bank through the school they attend. In principle, students apply once and banks issue national student loans in installments while they are in school.

What materials are needed to apply for a national student loan?

1. National student loan application form;

2. Copies of my student ID card and resident ID card Documents (minors must provide valid proof of identity of the legal guardian and proof of written consent to apply for a loan);

3. My explanation of the family’s financial difficulties;

4. Student family Proof of family financial difficulties issued by the relevant local authorities. Students themselves bear legal responsibility for the authenticity of the materials they provide.

Students who borrow money should confirm their student loan repayment plan with their bank when going through graduation procedures. Within one year after graduation, you can submit an application to the bank to adjust the repayment plan. Student loan principal and interest repayments can be taken in a variety of ways, and the loan can be paid off in advance one time or multiple times. If a college student chooses to repay the loan early, the handling bank shall not charge any additional fees other than the interest payable. The specific operation method is as follows:

Log in to the homepage of the CDB Student Loan Information Network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment of loans for the 2006-2008 academic year is the school code + student ID number, the password is the 8-digit birthday; the login name and password for online application for early loan repayment for the 2009 academic year and beyond are the login name and password used when students apply for loans);

Click on the left with the mouse "Early repayment application", enter the early repayment application summary information page;

Click the "Add" button at the bottom left of the early repayment application summary information page to open the early repayment new page;

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Select one of the loan contract records and click the "OK" button to save the early repayment application information. How much does a student loan cost?

8,000 yuan. The current national student loan funding limit is 6,000 yuan per person per year. After the adjustment, the annual loan limit for full-time general undergraduate and junior college students shall not exceed 8,000 yuan; if the total annual tuition and accommodation fees are less than 8,000 yuan, the loan limit can be determined based on the total of tuition and accommodation fees. The maximum annual loan limit for each full-time graduate student will reach 12,000 yuan; if the total annual tuition and accommodation fees are less than 12,000 yuan, the loan limit can be determined based on the total of tuition and accommodation fees. Student loan repayment methods: 1. Before students graduate, repay them in one lump sum or in installments; 2. After students graduate, they can use their available funds to repay the loans; 3. After the graduates’ internship period expires, they will be repaid by their current location within two to five years. The unit will deduct the repayment from their wages month by month; 4. The unit where the graduates work will decide to exempt or exempt the loan advance based on their work performance; 5. For students who have taken loans, they will be dismissed from the school for violating national laws and school disciplines. If a student is expelled from school, ordered to withdraw from school, or the student voluntarily withdraws from school, the student's parents shall be responsible for repaying all loans.