If you need to apply for a national student loan, the loan amount is as follows:
Full-time college students (including students with second degree and higher vocational education) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.
Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.
The loan interest payment terms are as follows:
During your study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. During the school period, if you drop out of school due to force majeure and other reasons, you can apply for preferential treatment.
After graduation, the interest generated by the national student loan will be paid by you monthly, starting from the first interest settlement date after graduation. When you graduate, suspend school, drop out of school, or have your student status cancelled according to the Regulations on the Administration of Student Status in Colleges and Universities, you will pay all interest from the interest settlement date of the first month after completing the relevant procedures. If you fail to repay the loan principal and interest in time according to the regulations, the loan handling bank of Bank of China may charge a penalty interest on your default repayment amount, and you should repay it in full.
Please consult your university or Bank of China loan handling bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
How to collect the interest on prepayment of student loans?
Legal analysis: if the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest on prepayment of student loan = loan amount corresponding to annual interest rate /360 loan days. According to this formula, the corresponding interest can be calculated. Interest rate: The interest rate of student loans is subject to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and will not rise. The current annual loan interest rate is: 1 to 3 years (inclusive): 6.15%; Three to five years (inclusive): 6.40%; More than five years: 6.55%.
Legal basis: Decision of NPC Standing Committee on Amending People's Republic of China (PRC) Private Education Promotion Law. Seven. Article 45 is renumbered as Article 46 and amended as: "People's governments at or above the county level may take measures such as purchasing services, student loans, scholarships, leasing and transferring idle state-owned assets to support private schools; Non-profit private schools can also take government subsidies, fund incentives, donation incentives and other support measures. "
Is there interest on student loans? how much is it?
1, the national student loan interest rate is implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and does not rise. The current annual loan interest rate is: one to three years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%.
2. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest = loan amount, corresponding annual interest rate, loan days/conversion rate.
To put it simply, you don't have to pay interest when you study until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch.
4. The student loan for three years after college 15000 yuan, and only the interest is paid for two years before graduation, with the interest rate of 7.2%. If only the interest is paid in the first two years, the quarterly interest payable = 15000×7.2%÷4 = 270 yuan.
How to repay the student loan?
1, normal repayment
In China, the annual repayment date is 65438+February 20th, including interest and the principal repaid in installments. Two years after graduation is a grace period. During the grace period, the borrower may not repay the principal according to the loan contract, but must pay the interest in full on schedule. After the grace period, the loan principal will be repaid in installments according to the average capital method, and the interest will be paid in full.
2. Advance payment
June 20th every year 1- 10 is the prepayment date, and all outstanding debts of a contract must be paid off in one lump sum. Students or * * * borrowers who need to repay in advance should submit an application for prepayment in the online student system or county financial aid center before 1 to 10 every month, and at the same time, fully recharge the funds into their personal repayment accounts. Students can log on to the student online system to check the repayment results after 30 days of the month of application. If the advance payment fails, they need to resubmit the application.
3. Overdue repayment
20th of each month is the overdue repayment date of June1-June 10 and June 12. Repayment students will recharge the principal and interest to the personal Alipay account before the 20th of the month. Debt service includes overdue principal and interest and penalty interest as of the 20th of the current month. The specific amount can be inquired in the student online service system.
How to calculate the term of student loan contract
According to the full-time undergraduate academic system plus 10 years, the longest is not more than 14 years, among which, 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.
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.
Loan 15000?
If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.