Student-origin student loan is a loan issued by China Development Bank to help poor students study. What kind of convenience can this loan provide? Let me talk to you today.
What does a student loan mean?
Student-origin credit student loan is a student loan that students and their parents (or other legal guardians) apply to the student financial assistance management center or financial institution in the county (urban area) where the students study, and it is used to help students from poor families pay the tuition and accommodation fees required during their studies at school.
The amount, duration and interest rate of the student loan from the student source.
Student loans are very different from ordinary loans, as follows:
1, loan amount. The loan amount does not exceed 8,000 yuan per person per academic year, which is an integer between 1000 and 8,000. In principle, it is used for students' tuition and accommodation during school.
2. Term of the 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.
3. Loan interest rate. 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.
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).
4. Discount policy. The interest of the loan students during their school days is all subsidized by the finance, and the risk compensation ratio is determined according to 15% of the loan amount in the current year.
Reminder: Student-origin student loans are welfare concessions for students from poor families. Compared with the popular campus loan, the interest rate is much lower. You can try, pay attention and get valuable information.
What are the benefits of student loans?
The benefits of student loans are as follows:
1. Relieve the financial pressure of poor families and help students successfully complete their college studies;
2. Students can enjoy interest-free loans during their school days, and the interest is fully borne by the state finance;
3. After graduation, self-repayment of loan interest is very low for the loan industry, with little pressure;
4. The principal of the student loan can be repaid in a five-year grace period, and the repayment period is very loose;
Applying for student loans can also help students pursue higher degrees, such as second bachelor's degree and postgraduate degree.
What does a student loan mean?
Student-origin student loan is actually a student-origin student loan, which is a loan issued by the National Development Bank to eligible college students who cannot pay tuition fees due to financial difficulties.
1. Loan types are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards. Scientifically classifying and setting loan types is of great significance for implementing loan policies, correctly using credit funds, studying loan structure, strengthening loan management and reflecting national economic activities.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the demand of supplementary funds for social expansion and reproduction.
3. The main significance of developing student loans lies in: establishing and perfecting the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford universities and receive vocational education, which is an important measure to practice Theory of Three Represents, implement Scientific Outlook on Development and build a harmonious socialist society; It is to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents and optimize the educational structure.
What's the difference between student-origin credit loans and student-origin student loans?
There is no difference, which means that the National Development Bank distributes it to eligible freshmen and students with financial difficulties in colleges and universities. Student-origin student loans and student loans are both credit loans. Students and their parents (or other legal guardians) are the same borrower, and both of them are responsible for repayment.
Student-origin credit student loan is an important part of national student loan. It is of great significance to establish and improve the financial aid policy system in colleges and universities to help students from poor families complete their studies smoothly.
First, the purpose of student loans:
Student-origin credit student loans refer to student loans issued by banks and financial institutions to eligible freshmen in colleges and universities and students with financial difficulties, which are handled in the counties (cities, districts) where the students are registered before entering school. It is mainly used to solve the tuition and accommodation problems of students during their school days.
Second, the amount, duration and interest rate of student loans
1, loan amount
The upper limit of the national student loan is raised to 12000 yuan for undergraduates and preparatory students, and 16000 yuan for postgraduates, which is an integer between 1000 and 12000( 16000). 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.
2. Term of loan
The loan term is academic system plus 15 years, and the longest is no more than 22 years. The grace period is 5 years.
Note: This policy will be implemented in 2020. If a new contract is signed in 2020, the grace period for repaying the principal is 5 years; Stock contracts before 2020, student loan contracts that have not started to repay the principal (that is, loans that students have not graduated or have graduated but have not started to repay the principal) can be applied by borrowing students, and the grace period can be extended to 5 years within the loan period agreed in the original contract. 3. Loan interest rate
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).
What does a student loan mean?
Student-origin student loan is a student loan to help students with financial difficulties pay tuition and accommodation fees during their studies at school.
Student-origin student loans can be distributed to schools in other provinces.
Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school.
Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.
Extended data:
Matters needing attention in loan handling:
1, try to come to the site before September 1.
2.* * * The borrower must be able to write his name neatly. If he/she can't write his/her name clearly, he/she will not be able to sign the contract at the loan site. If he/she can't write his/her name clearly, please practice before accepting the loan on site.
3. Students who apply for student loans should not pay tuition fees first to avoid repeated deductions. If the loan amount is lower than the tuition fee, you can first put the difference into the tuition card issued by the school. The student loan will be transferred to the Alipay account in the contract at 5438+0 1 in mid-June. After the school deducts tuition fees, the remaining students can take out the money for their own use. Please don't trust any other transfer phone, let alone let ATM transfer and remit money. Be careful.
4, the amount of student loans should be determined according to the sum of tuition and accommodation standards.