Spread out completely

The national student loan interest rate shall be 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 shall 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%. If the loan is repaid in advance, the bank will calculate the interest according to the actual term of the loan, and no other fees will be charged except the interest payable. Interest = loan amount, corresponding to the annual interest rate, loan days /365 In short, you don't have to pay interest when you are still studying 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.

Second, the student loan interest is usually once every few years?

Taking 20 19 as an example, the annual interest of 6,000 yuan student loan is 60,004.75% = 285 yuan. The calculation formula is interest = principal, and the benchmark interest rate of the People's Bank of China is subject to the specific policies of each year. In addition, the interest on student loans starts from graduation, because students have no job and income during their school days, so there is no interest on student loans during their school days.

Third, how to calculate the student loan interest?

Before graduation, the interest of student-origin student loans is subsidized by the government, and borrowing students do not need to pay interest;

After graduation, students began to repay their loans every year. The loan interest after September 1 of the year in which the student graduated shall be borne by the borrower, and the government will no longer discount the interest. Different from the monthly repayment of medium and long-term loans, student-origin student loans are repaid once a year, and the annual repayment time is before 65438+February 20, and the interest settlement date of the last year is September 20. Student loan interest is the annual interest calculated according to the actual days. The student loan interest is calculated according to the benchmark interest rate, and the interest rate does not rise.

Note: Overdue will not only generate bad credit, but also generate penalty interest. The penalty interest of the student-origin student loan is 130% of the benchmark interest rate, and the penalty interest is calculated according to the actual overdue amount and overdue days. However, the interest of the student-origin student loan will not generate compound interest, and the interest will only be calculated according to the loan amount.

Student-origin student loans can also be repaid in advance, and the interest at the unexpired stage is not calculated in advance.

Fourth, the bad interest record of the student loans overdue has been paid off in one lump sum before it expires. How many years will this record be maintained? Will it affect the mortgage

According to people in the bank, your record will be suppressed by other records in 5-7 years, which means you can't see it, but it still exists. There should be some impact, but if you have the repayment ability, the bank should lend you money. After all, you didn't mean it.