Student loans are generally issued at the end of July or the beginning of August each year. Apply by yourself, fill in online and print two copies.

Second, when did the student loan start?

I don't know if you want to apply for a student-origin student loan or a national student loan. Student-origin student loans have been started in many provinces (please tell me which province you are from so that I can tell you the specific application time). For the national student loan, it is generally handled by the school. You can ask your counselor, but you can also look at the student loan information of China Easy Loan Network, which contains a detailed introduction of student loans. If you miss the application time and really need a loan, you can apply online at Easy Loan.

3. When does the student loan begin to calculate interest after graduation?

Interest is calculated from September 1 of graduation year.

The specific interest calculation method is:

1, the national student loan interest rate is implemented in accordance with the relevant interest rate policy published by the People's Bank of China, and does not rise. The current annual loan interest rate is: one year to five years (inclusive): 5.0%; More than five years: 5. 15%.

2. If the loan is repaid in advance, the handling bank will calculate any expenses other than interest according to the actual term of the loan. Interest = the annual interest rate corresponding to the loan amount /365 loan days.

1, commercial student loan

Commercial student loans generally calculate interest at the beginning of the loan, and the calculation method of interest is determined by the lending institution applying for the loan.

2. Student-origin student loan

Student-origin student loans will generate interest. Before graduation, the interest of student-origin student loans is subsidized by the government. For example, for undergraduates who graduated in June 2023, the loan period is 7 years, and the interest generated is subsidized by the government. The interest generated in September 2023 needs to be borne by the borrower.

3. National student loans

The national calculation method is the same as the start date, and the calculation method and time of student-origin student loan are the same.

It is worth mentioning that both student-origin student loans and national student loans can be repaid without interest, and borrowers only need to repay before August 20 of the graduation year. However, an application for prepayment must be submitted to the loan system from July 16 to August 15, and the repayment will be successful before August 20, and no interest will be paid.

4. When exactly does the student loan start?

The time when student loans begin to bear interest is divided into the following time points according to different loan types:

1, commercial student loans For commercial student loans, the interest is generally calculated from the borrower's application for student loans. The calculation method of interest is mainly determined by the lending institution applying for the loan;

2. Student-based student loans Student-based student loans begin to calculate interest in September of the year when college students graduate. Before graduation, the interest on student loans from students' places of origin 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 loan interest of student-origin student loans is calculated according to the benchmark interest rate of the central bank, and the interest rate does not rise.

3. The calculation method of loan interest of national student loans is the same as the starting date, and the calculation method and time of student loans are the same.