It depends on when you return it after graduation. Calculation method of student-origin student loan: in the year of graduation, the interest will be calculated from September 1 to February 20, * * *1/day. Interest = principal (annual interest rate of the People's Bank of China for more than 5 years /360). Second year after graduation: interest = principal (annual interest rate of People's Bank of China for more than 5 years /360). Third year of graduation: the interest is the same as that in the second year of graduation, and then the principal is repaid in equal amount. From the fourth year of graduation to maturity: the repaid principal is deducted from the annual interest calculation. Note: 1. If loans overdue fails to pay back, it 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. 2. 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. 3. Students' student loans can also be repaid in advance, and the interest during the unexpired period is not calculated in advance. Interest = principal x interest rate x days (days from interest calculation date to actual repayment date). For example, I graduated on July 20 12, and the interest began to be calculated on July 20 1 2, and the interest for the first year of graduation was paid on February 20 12. The interest rate this year is 6.8%. Interest = 6000 x 6.8% x172/360 =194.93 Pay the interest of the first year on time. If 20 13- 12-20 does not float, it will not be included in the interest during the study period = 6000x6.8% x365/360 = 413.67, and will be subsidized by the state finance. Graduates from local areas will start to earn interest from September 1 day of the graduation year. Two years after graduation is a grace period, during which you only need to pay interest. After the grace period, the principal will be repaid in equal amount. If you pay off before graduation, you only need to pay back the principal, but you need to pay it off at one time. Undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree from poor families in full-time colleges and universities. Have China nationality and hold a Chinese identity card. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians)

Second, how to calculate the student loan interest

It depends on when you return it after graduation.

Calculation method of student-origin loan;

Graduation year: September, *** 1 1 1 day.

Interest = interest rate /360).

Second year after graduation: interest = principal (annual interest rate of People's Bank of China for more than 5 years /360).

Pay off the interest, and then start to repay the principal in equal amount.

The fourth year from graduation to maturity: principal.

note:

1. loans overdue's non-repayment not only generates bad credit, but also generates a penalty interest of 130% of the benchmark interest rate. The penalty interest will be calculated according to the actual overdue amount and overdue days.

2. 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.

3. Students' student loans can also be repaid in advance, with interest paid in advance.

Interest = days from the principal X to the actual repayment date) For example, interest will be calculated from July 2065438+2002, and the interest for the first year of graduation will be paid on February 20, 2002. The interest rate this year is 6.8%. Interest =6000x6.8%x 172/36, and the interest for the first year is paid. If the interest rate does not rise, the interest = 6000 x 6.8% x 365/360 = 413.67. Graduates in the study period will start to earn interest from September 1 of the year of graduation. Two years after graduation is a grace period, which can be extended. After the grace period, the principal will be repaid in equal amount. If you pay off before graduation, you only need to pay back the principal, but you need to pay it off at one time. Undergraduate students (including higher vocational students), graduate students and students with second bachelor's degree from poor families in full-time colleges and universities. Have People's Republic of China (PRC) nationality and People's Republic of China (PRC) resident status (minors should obtain the written consent of their legal guardians).

Third, how to calculate the interest of the national student loan?

It depends on the rules.

/gjzxdk/qa

What you want to ask, you haven't thought of it yet

All the answers you want are on it.

Fourth, how to calculate the interest on student loans?

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 = the annual interest rate corresponding to the loan amount /365 loan days. Simply put, 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.