Niannian bearings
By 65438+February, we will know how much to repay, and only the interest will be paid, and the financial interest behind will not be paid back to the country.
The interest on the down payment is calculated on a monthly basis.
Because you can prepay, the month in which you prepay is counted as last month (for example, the prepayment in May will first calculate 1 interest to April, and then calculate the deduction time in May).
Second, how many times can tuition compensation be made up?
A: According to the Regulations on Compensation for State Scholarships:
After the application form submitted by students is approved, it will generally be distributed twice according to the specific situation of local schools. Issued in the first half and the second half respectively. There are also schools that send it once a month.
Third, the interest of student loans.
(1) loan amount The loan amount shall not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. 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. (II) Loan Term In principle, the loan term is determined according to the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the longest loan term does not exceed 65,438+04 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 pursue a higher degree (including the second bachelor's degree) will shorten the period of repayment of principal and interest after graduation. (III) Loan interest rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance 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 on student loans is calculated on an annual basis. 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). (IV) Discount Policy According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on the student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. 1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. 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. After graduation, students and their parents (or other legal guardians) will bear all interest. 2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year. 3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management. (5) Application conditions 1. Undergraduate students (including higher vocational students), graduate students and second bachelor's degree students with financial difficulties in full-time colleges and universities; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card; 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy, law-abiding, no illegal behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. (six) the application materials poverty certificate, admission notice, school payment notice, payment card, and the applicant's identity card and household registration book. It is also necessary to provide a guarantor or valid asset mortgage certificate, credit user evaluation, etc. When applying for a loan, you need to prepare poverty certificates, copies of ID cards of two college witness teachers, and copies of student ID cards (old students also need to provide copies of student ID cards). (7) Application Step 1: Students apply. Students shall receive the Application Form for National Student Loan from the institution of their school within the specified time, fill it out truthfully and completely, and prepare relevant materials to the national student loan agency. The second step is that the institution conducts a preliminary examination of the loan. Step 3: After the loan is approved by the agency, the agency will settle the audit within 20 days after receiving the submitted application and data sheet. Fourth, the school and students should sign a loan and repayment contract. After the loan application is approved, the school will organize students to fill in and sign the loan contract within ten working days according to the loan student roster provided by the agency, and submit it to the handling bank. Step five, loan issuance. If you need a loan, recommend the consulting loan service of Easy Loan China-you only need to submit an application online, and Easy Loan China Easy Loan China will review it for you as soon as possible to solve your problem-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner of Easy Loan China will analyze your loan demand and information, then choose a bank suitable for you and get in touch with you at your residence. In this process, you have the right. In view of your personal situation, this kind of loan is especially recommended here. You can try it.
Four, about the national student loan interest.
Is there a customer service phone number of the head office of the credit union? If you have it, just call. If not, see the loan contract. If there is an interest compensation clause, read the rules carefully. If not, be careful.