To calculate the loan interest rate, we must first make clear the loan term. The term of student loan is determined according to the length of schooling plus 15 years, with a minimum of 6 years and generally no more than 22 years. Although the annual interest rate of student loans is calculated in years, the annual interest rate is calculated on a daily basis, so it is necessary to change the annualized interest rate into a daily interest rate and then calculate the interest. Therefore, according to the term of the student loan, it is absolutely that the longer the time, the greater the loan interest.

However, student loans are different from ordinary loans, and the interest is not calculated step by step from the date of successful loans. Since student loans are loans, students can enjoy discount loans during their college years. If a student is promoted again, such as being admitted to a university, or a graduate student is studying for a doctorate. The term of the discounted loan will continue to be extended.

Only after the students have completed the university graduation verification, the discount loan will expire, and the student loan will begin to calculate interest on a daily basis. In this way, under the same loan term, the loan interest of student loans is far less than that of general loans. Most importantly, student loans can avoid reducing loan interest by repaying loans in advance.

Students can repay the loan in advance on the children's online service website before the month of college graduation 15, and deposit the loan principal and interest into the designated account of the student-origin student loan before the 20th of the month, without interest. The system software deducted the fee successfully, and the student loan on behalf of the students has been paid off.

In terms of children's critical illness insurance, no one bought it, and there is no absolutely recognized ranking of children's critical illness insurance. After all, parents have different requirements for their children, different understandings of product quality and different choices of products. Here are some common ways for parents to ask, hoping to help you choose the right product.

Which one should I buy for my 3-year-old baby's critical illness insurance?

Method 1: Differentiate from the aspect of high cost performance.

1, Beijing Life Bumblebee No.7 All-around Edition: All-round basic protection, special diseases and rare diseases of children are guaranteed. Whether it is guaranteed for 30 years, 70 years old or for life, Bumblebee 7 has its own extra compensation, and the proportion is directly increased from 50% to 60%, which is equivalent to buying 500,000 yuan and losing 800,000 yuan, a lot.

2. Guolian Life Insurance Huixin 'an 2022: This product has extra compensation in the first 30 years, and the proportion of extra compensation for mild and moderate diseases and special diseases of children is very high, with high cost performance and good performance;

3. Tengchuang Internet Health No.65438 +0 Children's Critical Illness Insurance: This insurance is flexible, covering 30 years old, 70 years old and life, with a maximum payment of 30 years. It also has intelligent underwriting. China's disease compensation is superior to the same industry, and it can pay 60% of the insured amount, protect 20 special diseases of children and 10 rare diseases, and pay 200% and 3000% for initial diagnosis.

Method 2: Focus on the difference between treating diseases and buying insurance together.

In order to ensure that children are more comprehensive, critical illness insurance and medical insurance are carried out at the same time, and the following products can be seen:

1, Children's Ping An Children's Guardian Training+Additional Life Road Medical Insurance+Ping An E Life Long-term Medical Insurance, Children's Ping An Children's Guardian Training is the most cost-effective children's return critical illness insurance, and the insurance premium will be returned at the age of 40; After the refund, the guarantee will remain valid, and the responsibility for minor illness, moderate illness, major illness and death will be guaranteed.

2. Under normal circumstances, the composition of medical insurance is very intimate. You can enjoy life road diagnosis and treatment+Ping An E life insurance for a long time. Long-term medical insurance is renewed for 20 years. Renewal is very good, and it is convenient to pay for major and minor diseases. Critical illness insurance and medical insurance are seamlessly connected.

I will share my opinion on which critical illness insurance to buy for my 3-year-old baby. I hope I can help.