In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years.

The national student source credit student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.

Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.

Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.

The loan term of the student loan

The longest is not more than 22 years.

The latest regulation of student-origin student loan: the loan period is academic system plus 15 years, and the longest is no more than 22 years. The grace period is 5 years. The policy will be implemented in 2020. For the new contract 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.

How long is the student loan?

Question 1: What is the loan term in the application for student-origin student loan? (2) In principle, the loan term is determined by 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. The two-year grace period is for students at school and 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.

Question 2: What is the meaning of "loan term" in the online emergency request of student-origin student loan of China Development Bank? "Loan life" refers to the time during college plus the repayment time after graduation. For example, fill in: the university major is fourteen years and four years, so the repayment time after graduation is ten years, that is, the loan amount is divided into ten segments, and it will be repaid in ten years. The longer the repayment time, the less you have to pay back every year, but the interest is relatively more. But you must make sure it's the same every year, not every year.

Question 3: What do the years and time on the student loan of China Development Bank mean? The number of years and time refers to how many years you want to borrow. For example, if you want to borrow it for five years, the contract will be signed with you for five years. After five years, you can change the money in the bank and nothing will happen.

Question 4: How many years is the term of the student source loan? In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 14 years, and the longest term shall not exceed 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. The two-year grace period is for students at school and 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.

Question 5: How to calculate the term of student-origin loan? 20 16 Term, amount and interest rate of student-origin loan.

1.20 16 what is the duration of the student loan?

According to the student source loan policy, the longest loan period of this loan is the borrower's remaining academic system plus 13 years, that is, the longest loan period is no more than 20 years.

2.2065438+what is the amount of student loan in 2006?

Student-origin student loans follow the principle of "all loans should be made", and the maximum loan amount is 8,000 yuan per student for junior college and12,000 yuan for graduate students.

3.2065438+2006 What is the loan interest rate for students?

The student loan interest rate of 20 16 is implemented according to the central bank's loan interest rate standard for the same period. See the table below for details:

20 16 student loan interest rate

The term of the student loan is extended to 20 years.

When September comes, colleges and universities start school one after another. However, some students are trapped by family economic problems and have to face the difficulties of going to school. Student-origin loan is expected to help poor students solve this problem. I learned from Nan 'an Rural Commercial Bank that this year, the loan amount applied by each junior college student will be increased to no more than 8,000 yuan per person per year. At the same time, the Notice on Further Improving the Work of National Student Loan issued by the Provincial Department of Education extended the term of student-origin student loan to 20 years, and the student-origin student loan system has been debugged. All Nan 'an students who apply for student-origin student loan can enjoy the above policies.

Students who renew their loans can start to apply for loans online.

Since last year, Fujian Province has started to apply online for student credit loans. Students can log in to the system to complete data entry and most procedures, and directly complete the loan extension work online, which greatly reduces the cumbersome procedures for handling student loans in the past.

The reporter learned from Nan 'an Rural Commercial Bank and Nan 'an Agricultural Bank that since September, the loan renewal work of the two banks has started one after another. Students who renew their loans need to do a good job in applying for renewal of loans when they start school.

It is understood that students who renew their loans can log in to the student-origin student loan system and initiate "applying for loan renewal" in the "loan application" menu. After colleges and universities confirm the students' situation at school, the municipal financial aid center system conducts electronic audit, and after confirming the qualifications and checking the information, the bank issues loans after approval.

It is worth mentioning that the loan quota for full-time college students will be raised to 8,000 yuan per person per year this year, but the loan contract signed last year is still implemented according to the original standard of 6,000 yuan per person per year.

The grace period for repayment of principal is extended to 3 years.

Zhang Shuteng, the head of Nan 'an Rural Commercial Bank, which specializes in student-origin student loans, said that in July this year, the bank began to apply for student-origin student loans on 15, and the deadline for application was 10.25. "There are also new policies this year, and the term of student loans has been extended." Zhang Shuteng told us that he had been waiting for the news that the provincial association issued a document notice. Recently, he learned that the system has adjusted itself according to the New Deal.

It is understood that in the past, the interest of student-origin student loans was fully subsidized by the government during school, and two years after graduation was a grace period for repaying the principal. During the grace period of repayment of the principal, the loan students only repay the loan interest, not the loan principal. The longest loan term is 14 years. The term of the student-origin credit student loan is the academic system plus 14 years, and the longest is not more than 14 years.

Nowadays, according to the Notice on Further Improving the Work of National Student Loan issued by the Provincial Department of Education, the term of student-origin student loan is 13 years, and the longest is no more than 20 years. When the borrower graduates or terminates his studies, he shall confirm the repayment plan with the handling bank and agency, and the repayment period shall be implemented according to the contract signed by both parties.

It should be noted that if the borrower does not continue to study for a degree in the year of graduation, he can choose to use the grace period to repay the principal when confirming the repayment plan with the handling institution and the handling bank. During the grace period of repayment of the principal, the borrower only needs to repay the interest, and does not need to repay the loan principal. The grace period for repayment of principal is extended from 2 years to 3 years. The grace period for repayment of the principal starts from the confirmation of the repayment plan and ends at the 36th month after the borrower graduates. During the repayment period, borrowers who continue to study for a degree can still enjoy a grace period of 36 months after graduation.

Student-origin student loans have solved many problems of poor freshmen. It was learned from Nan 'an Rural Commercial Bank that by the end of 20 14, the bank had granted student loans to more than 2,000 Nan 'an students, and the credit reached 40.33 million yuan at the end of the month, accounting for more than 99.99% of the city's student loans.

...

Question 6: What is the loan term in the application for student-origin student loan? This is usually six years. If the customer is involved in prepayment, the loan interest will be calculated to the day before repayment, and then it will not be calculated, and there is no penalty.

Question 7: How to choose the loan term of students' origin? I entered the school in June, 2065438, and the longer the loan period, the better or not. Please know professionally how to calculate the loan period of 100 points (repayment period at school), fill in the period when I am ready to pay off the loan after graduation at school, and the student loan will continue until it is paid off.

The main provisions of student credit loans are as follows:

1. Application conditions

(1) with China nationality;

2 Honest and trustworthy, law-abiding;

(3) Freshmen who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice, or undergraduates, graduate students and second bachelor's degree students studying in colleges and universities;

(4) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);

⑤ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

2. Handling procedures

Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.

3. Loan amount

The loan amount applied by the borrower for each academic year shall not exceed 8,000 yuan in principle.

4. Loan interest

The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. 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).

5. Repayment period and repayment method

In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. 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.

Question 8: How to fill in the loan term when the student source loan of China Development Bank is renewed? Calculation method of loan life (repayment period during school)

Suppose the school time is 3 years and 7 years (then the repayment period is 4 years =7 years).

Repayment began in September of that year after graduation, and only interest was paid in the first two years, and then principal and interest were paid.

When you graduate in July, you have to go to the loan system to confirm your graduation.

The maximum range of loan life is the deadline for you to pay back the money. There is still no interest after graduation, so even if you borrow 12, you only need to graduate, and it is still interest-free. Of course, if you write more, you can change your education information after graduate school to show that you are still in school. I hope I can help you.

Question 9: Is the loan term of the student-origin student loan shorter than the first loan by one year? China Development Bank can lend to 14 years at the longest, if I remember correctly.

The first loan can be written as 14 years.

The second loan can only be written as 13 years.

etc

Question 10: How many years is it better to fill in the number of years of student loans? Can I apply for prepayment? Fill in the maximum number of years.

The longest and shortest term of student-origin credit student loan is ()

The loan period of student-origin student loan is academic system plus 15 years, and the longest is no more than 22 years. The grace period for repayment is 5 years, which means that the principal can be repaid without interest within 5 years, and the principal needs to be repaid after 5 years. Student-origin student loans begin to bear interest from September 1 of the year when students graduate, and students need to repay the interest generated on schedule.

Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.

The loan is a credit loan, and the students and their parents (or other legal guardians) are * * * and the borrower, and both parties are responsible for repayment.

In August 2007, the state issued a new policy of "student-origin credit loan" (hereinafter referred to as "student-origin loan"). In August 2007, the Ministry of Finance, the Ministry of Education and the China Development Bank jointly launched five pilot provinces (cities) in Hubei, Jiangsu, Shaanxi, Gansu and Chongqing. At present, the pilot provinces (cities) to carry out student-origin loan business are: Hubei, Jiangsu, Shaanxi, Gansu, Chongqing, Qinghai, Xinjiang, Ningxia, Inner Mongolia, Shanxi, Beijing, Shandong, Anhui, Zhejiang, Fujian, Shanghai, Hunan, Jiangxi, Yunnan, Guizhou, Sichuan and Guangxi Zhuang Autonomous Region. Other provinces and cities are also actively piloting the implementation of student-origin credit student loans, and students can consult the local county-level education administrative departments about the specific application of student-origin credit student loans. Students who need loans due to financial difficulties have two choices (only one can be selected):

Student-born loan life

With the development of economy, the income of China residents has increased a lot, but there are still many families who can't afford the university fees. Therefore, China Development Bank has designed student loans for students with financial difficulties. Some students are very concerned about the loan period of student-origin student loans. Today, I will tell you something about it.

According to the regulations of China Development Bank, the loan period of student-origin student loan is "the educational system time is 10 year". That is to say, the loan term for college students is generally 13 years, and that for undergraduates is generally 14 years. However, this provision is not mandatory. You can choose the loan term according to your actual situation.

Although the loan period of student-origin student loan can be chosen independently, the loan period can not be less than 6 years or more than 20 years. That is to say, the loan period of student-origin student loan is: 6 years ≤20 years ≤

There are two other special situations that need your attention.

1. Continue to study after graduation;

2. Studying for a second bachelor's degree during the undergraduate period, resulting in a school system of more than 4 years.

In the above two special cases, the repayment period will be shortened correspondingly after graduation, but the loan period will remain unchanged.

Generally speaking, the loan period of student-origin student loans is still relatively long, so there is no need to worry about the pressure of repayment.