The national student loan interest starts from September of the graduation year 1, the first year interest is repaid on February 20th of that year, and the principal is repaid on February 20th of two years after graduation. Start counting.

The first loan repayment starts in January and will be paid off within two years. You can apply for prepayment.

Early repayment only charges interest during the loan use period, and interest after early repayment is not required to be repaid.

In addition, the balance of special months should be sufficient to ensure normal repayment and avoid the formation of.

The repayment of student loans will be recorded in the Credit Information Center of the People's Bank of China. Many people find that they can't apply for loans with bad credit records when applying for car loans, but they don't have credit cards or have applied for other loans. As a result, loans overdue, a student, has not been repaid.

The CPC Central Committee and the State Council attached great importance to it. Establish and improve the financial aid policy system for students with financial difficulties, so that students with financial difficulties can enter school smoothly, afford the important idea of "going to college, getting up and going down", implement Scientific Outlook on Development and build a harmonious socialist society; It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents and optimize education; It is necessary to effectively perform the functions of public finance and promote basic public services.

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Second, what is the interest on the student loan after graduation?

I have no interest in school. When I say interest-free, I mean that the loan has no interest, but the interest generated by the loan is paid to the lender by the state subsidy, and the students do not have to pay. After graduation, that is, after leaving school, even if interest is paid, it will be paid by the individual at the benchmark interest rate after graduation. If the repayment is delayed after graduation, it will generate a lot of interest. Interest after graduation shall be borne by students and parents (or other legal guardians). It is best to pay off nature as soon as possible. After all, paying off as soon as possible will generate less interest. Student loan interest rate: 1, within six months (including six months) 6.10%; 2, six months to one year (including one year) 6.56%; 3, one to three years (including three years) 6.65%; 4, three to five years (including five years) 6.90%; 5, more than five years 7.05%. Not everyone can enjoy the student loan. Applicants must have full capacity for civil conduct, be honest and trustworthy, and abide by the law. They are full-time 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) approved to set up and implement higher education in accordance with relevant state regulations, and have obtained a true, legal and effective admission notice. Interest is calculated from the month following the student's graduation certificate 1 day. The interest rate of student loans is consistent with the benchmark interest rate of the same grade published by the People's Bank of China in the same period. Interest = annual interest rate of principal. For example, the principal of the student source loan is 6,543,800 yuan, and the interest calculated at the annual interest rate of 6.55% for the whole year of graduation is 6,550 yuan. 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. The applicants of the Student Source Credit Loan of China Development Bank (hereinafter referred to as Student Source Loan) are students from poor families whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardians) form a * * * relationship with the borrower. (1) The recipients of student-origin student loans must meet the following conditions: 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice; 4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.

3. What is the interest on the student loan after graduation?

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 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 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.

Fourth, the student loan interest after graduation

If you have applied for an individual national student loan in China Bank, the loan repayment has the following provisions:

1, repayment period

Postgraduate loan students should strictly fulfill their repayment obligations and repay monthly or quarterly.

2. Pay loan interest

During the period of studying in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the financial department, and will be distributed quarterly by the National Student Financial Assistance Management Center.

After the borrower graduates, all the interest generated by the national student loan will be paid by him monthly or quarterly, starting from the interest settlement date of the first month after graduation. When the borrower completes his studies, drops out of school, drops out of school or is cancelled according to the Regulations on the Administration of Student Status in Ordinary Colleges and Universities, he shall pay all interest from the interest settlement date of the first month after completing the relevant procedures. Students who drop out of school due to illness and other reasons may apply for a discount.

If the borrower or graduate borrower fails to repay the principal and interest of the loan in time according to the regulations, the handling bank may charge a penalty interest on the amount of default repayment, and the penalty interest shall be paid in full by the borrower or graduate borrower himself.

3. Repayment plan

Before the borrower leaves school, colleges and universities should organize the borrower and the handling bank to make repayment plans and go through the repayment confirmation procedures. After the borrower goes through the above formalities with the handling bank, the university can go through the graduation formalities for him, and is responsible for informing his parents or other legal guardians of the repayment plan of the graduated borrower.

Borrowing students who do not continue to pursue their degrees in the year of graduation will choose the grace period to repay the loan principal and interest independently according to their employment situation and income level, that is, they will repay the loan principal and interest from any month within 36 months after graduation. Specific matters shall be applied to the handling bank by the graduating borrowing students when they go through the repayment confirmation procedures, and shall be examined and approved by the handling bank. Students who borrow money during the grace period only need to repay the interest, not the loan principal. If the graduate borrower fails to choose any month to start repaying the loan principal and interest within 36 months after graduation, he should start repaying the loan principal and interest in the 37th month after graduation. Borrowing students who continue to study for their degrees during the repayment period can still enjoy the grace period of repaying the principal after graduation.

4. Advance payment

The handling bank shall allow eligible borrowing students to repay in advance. For the part of the loan repaid in advance, the handling bank shall charge interest according to the actual term of the loan, and shall not charge any other fees except the interest payable. The handling bank agrees to repay the loan in advance, and the borrowing students are not allowed to make any further demands.

5. Compensation policy

Postgraduate loan students enjoy the national student loan compensation policy, which is implemented in accordance with relevant policies and regulations.

Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.

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