The interest rate policies of national student loans and student credit student loans are:
The benchmark interest rate of the same period and grade announced by the People's Bank of China shall be implemented without floating.
Interest rate item annual interest rate (%)
Loans within six months (including six months) 5. 10
Loans from six months to one year (including 1 year) 5. 10
One to three years (including three years) loan 5.50
Loans for three to five years (including five years) 5.50
Loans for more than five years 5.65
The interest of students during their school days is fully subsidized by the finance.
The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year.
Loan students can check the repayment amount in the student aid center of the county (city, district) of origin or log in to the online service system of student loans of China Development Bank to check the "principal repayment plan" and "loan and repayment".
Second, how to calculate the interest of the national 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.
At the time of loan issuance, the benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date. Interest is calculated on the student-origin credit loan on an annual basis, and the repayment date is 65438+ February 20th every year. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
The interest of loan students during their school days is all subsidized by the financial department. Among them, the loan discount for students admitted to universities directly under the central government is borne by the filial piety central finance. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. The interest of loan students after graduation shall be borne by the students and their parents (or other legal guardians).
3. What is the annual interest rate of the student-origin credit student loan?
The student-origin student loan is repaid after graduation, and the loan interest is only repaid once a year within two years after graduation, and the loan principal is repaid every year from the third year after graduation. For example, the student loan is 6000 yuan, how much interest should I pay in the first year of graduation? Except for the last year, the repayment date of student loans is 65438+February 20th, and the loan interest from September 1 to the repayment date of the first year of graduation needs to be repaid on 1 10. According to the benchmark interest rate of 6. 15%, the interest calculation method for the first year is: 60001106.15/360/100 =1. After graduation, you only need to pay the loan interest 1 10 days in the first year and 1 in the second year. In the third year, in addition to the loan interest of the year, part of the loan principal needs to be repaid. From the third year to the maturity date of the loan, the loan principal will be repaid in equal amount every year.
4. Is there any interest on the national student loan?
According to the national student loan policy, students who apply for loans do not need to pay interest during their normal study at school, but are subsidized by the government. But from September 1 of the year of graduation, they have to bear the loan interest. The national student loan interest rate shall be implemented in accordance with 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: 1 to 3 years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%. It is reported that the national student loan adopts the cumulative interest-bearing method, and the interest is charged every year according to the actual number of days. The formula of cumulative interest method: interest = cumulative interest × daily interest rate. Among them, accumulated interest product = total daily balance of the account. The value date is the date when the Development Bank issues the loan, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last year of the loan is September 20th). The credit loan interest rate for expanding data sources is the benchmark interest rate of the same grade published by the People's Bank of China in the same period, and does not rise. The interest of students during their school days is fully subsidized by the financial department, and the interest after graduation is borne by the students and their parents (or other legal guardians). National student loan interest 1. Interest on student loans of China Development Bank. The student loan interest of China Development Bank is divided into the following two situations: 1. Interest-free student loans from China Development Bank are paid by the state during school, that is, no interest is needed during school. Earn interest after leaving school One-time repayment after graduation is interest-free and needs to be repaid in installments. The longest repayment period of student-origin student loan is longer than that of national student loan. To put it bluntly, the total principal and interest is greater than the student loan, and the repayment pressure is heavier than the national student loan. Student-origin credit student loan refers to the student-origin credit student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled by the county (city, district) where the students are registered before entering school. The funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan. 2. Calculation method of student loan interest of China Development Bank: for loans within half a year (inclusive), the annual interest rate (%) for loans from half a year to one year (inclusive) is 5. 10, and for loans from one year to three years (inclusive), the annual interest rate (%) is 5.50. For loans from three years to five years (including five years), the annual interest rate (%) is 5.50%. For loans over five years, the annual interest rate (%) is 5.65%. Legal Basis "Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 1 The term "private lending" as mentioned in these Provisions refers to the financing behavior between natural persons, legal persons and unincorporated organizations. These Provisions shall not apply to financial institutions and their branches established with the approval of the financial supervision department and engaged in loan business, which are triggered by the issuance of loans and other related financial businesses. Article 2 When a lender brings a private lending lawsuit to the people's court, it shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing. If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination, and rejected it. Article 24 If the borrower and the lender have not agreed on interest, and the lender claims to pay interest, the people will not support it. The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation and other factors.