Student credit student loans have the following preferential policies:
1. The loan amount for full-time college students (including second bachelor's degree and higher vocational students) shall not exceed 8,000 per person per year; Full-time graduate students each apply for a loan amount not exceeding12000 per year; Support students from poor families to apply for loans in full according to the actual situation and the loan ceiling.
2. The loan interest of students during their school years shall be borne by the state, and the interest shall be paid after graduation. The loan principal will be repaid five years after graduation, and the repayment period will be determined according to the full-time academic system plus 15 years, with the longest period not exceeding 22 years. If the loan student applies for prepayment before August 15 of the graduation year, the loan student does not need to pay interest.
3. Starting from this year, the interest rate of student-origin credit student loans will be lowered by 30 basis points on the basis of the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, which is equivalent to a decrease of about 0.55 percentage points compared with last year.
Pay attention to the annual interest rate of student-origin credit loan. The loan interest of the borrowing students during their school days is fully subsidized by the finance. Borrowing students who continue to pursue their degrees during the repayment period after graduation may apply for continuing to receive interest subsidies, but they should provide written proof to the municipal student financial assistance management centers in time and report to the National Development Bank branch for examination and confirmation. The loan interest incurred during the period of continuing to study for a degree shall be fully subsidized by the original discount finance department.
What is the interest-free loan policy for college students?
The interest-free loan policy for college students is a preferential policy for college graduates who are interested in starting a business. In order to encourage college students to start their own businesses and promote employment and economic development, the interest on college students' loans is subsidized by local finance to banks. For entrepreneurs themselves, it is interest-free, but for banks, it is interest-bearing, except that the state has introduced relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by finance.
Requirements for loan amount: the small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount. The amount of risk loans generally requires:
The maximum amount shall not exceed the working capital required by the borrower for normal production and operation activities, and the purchase (installation or repair) of small equipment (machines and tools), of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Extended data:
There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges 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. 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 funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.
National student loans only need to be borrowed. 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. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. The following is a detailed introduction to the policy details of college student loans for you.
The new policy will change the current practice of repaying the loan principal within four years from the date of graduation. Depending on the employment situation of the borrower after graduation, the loan will be repaid after 1 2 years and paid off within six years.
According to the new policy, borrowing students can apply to the bank to adjust the repayment plan after graduation or termination of their studies 1 year, and the handling bank should accept it and make reasonable adjustments according to the actual situation and relevant regulations.
For students who fail to repay the national student loan within the agreed time limit and amount, the handling bank will charge default interest on the amount of the default loan, and load the default behavior into the credit information system of financial institutions, and financial institutions will no longer handle new loans and other credit businesses for them;
On schedule, the names, citizen ID numbers, graduation schools and default behaviors of students who have been in arrears for more than one year and have not actively contacted the handling bank will be provided to the National Student Loan Management Center according to their affiliation.
The National Student Loan Management Center will further improve the information management and post-loan tracking management of borrowing students, and accept the inquiries of the handling banks about the information of borrowing students; The list of students who have defaulted on loans provided by the handling bank will be published in the news media and the website of the national college graduates' academic qualifications inquiry system.
Borrowing students can repay national student loans in two ways: banks usually design two repayment methods for borrowing students: matching principal and interest repayment method and average capital repayment method.
Matching principal and interest repayment method: the amount of principal and interest in each period is equal, and the repayment pressure is evenly distributed; The repayment method of average capital, the repayment amount in each period is more at the beginning, and the repayment amount in each period is less later, and the repayment pressure is tight before it is loose. The total principal and interest paid by the equal principal and interest repayment method is slightly higher than that by the average capital repayment method.