The student loan for college students is 24,000 yuan, of which 8,000 yuan is a four-year loan and16,000 yuan is a six-year loan, so the interest is calculated according to their respective annual interest rates, and then they are repaid on time.
Second, how long is the repayment period of college student loans?
The loan period for college students is 15 years plus academic system, and the longest is no more than 22 years. Borrowing students don't need to repay money during their school days, but begin to bear interest after graduation. Five years before graduation is a grace period for repayment of principal, and only interest can be repaid, thus reducing the repayment pressure. Student-origin student loans are repaid through Alipay, and the repayment funds are recharged to the repayment account 65438 before February 20th every year. You can wait for the system to automatically deduct money or take the initiative to repay. The borrowing and repayment of student loans will be reported at the meeting. There is a penalty interest for overdue repayment, which will also affect personal credit information. The borrower must remember to repay the loan on time. 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 ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments 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. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. 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 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 school days 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 China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; 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 cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
Third, the repayment period of college students' loans
The term of the national student loan shall not exceed six years after graduation. If the borrower continues to study for a degree after graduation, or because of financial difficulties, he can't repay the principal and interest of the national student loan in full within the term of the loan contract, he can apply to the bank for an extension of the loan, and the extension period shall not exceed three years.
You can apply for a student loan for four years at a time when you enter school.
4. Is the repayment of the university student loan in the first year or the second year of graduation?
The repayment time of the national student loan shall be subject to the repayment time agreed in the contract. Under normal circumstances, the annual repayment time is 65438+February 20th, and the repayment time of the last year is September 20th. If the repayment is made in advance or overdue, the repayment time of the national student loan will change.
If it is normal repayment, the repayment time shall be subject to the agreement in the contract. Usually, the repayment time agreed in the contract is 65438+February 20th or September 20th. Loan students need to recharge the payable amount to Alipay account 5 days in advance, and then wait for the system to automatically deduct the money.
Grace period for repayment of principal
Repayment students who do not continue their degree in the year of graduation may choose to use grace period to repay when confirming the repayment plan with the handling bank. Students who borrow money during the grace period only need to repay the interest, not the loan principal. The repayment period is extended from 2 years to 3 years.
The repayment period starts from the confirmation of the repayment plan and ends at the 36th month after the borrower graduates. Borrowing students who continue to pursue their degrees during the repayment period can still enjoy a grace period of 36 months after graduation.