Many candidates want to apply for a student loan and ask about the calculation method of student loan interest. To this end, I have specially prepared the following related materials for your reference.

How to calculate the interest of student-origin credit student loan The student-origin credit student loan refers to the student loan issued by the China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties in their families, and handled in the county (city, district) where the students registered before entering school. The National Development Bank student loan interest is divided into the following two situations:

1. The interest on the interest-free student loan of China Development Bank is borne by the state during the students' study, that is, there is no need to bear interest during the school period.

2. charge interest after leaving school. After graduation, one-time repayment is interest-free, and installment repayment requires interest repayment. The longest repayment period of student loans is longer than that of national student loans. To put it bluntly, the total principal and interest is greater than the student loan, and the repayment pressure is heavier than the national student loan.

Repayment method of student loan (1) Students shall pay it off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

Second, how to calculate the interest on prepayment of student-origin student loans?

Early repayment is calculated according to current interest.

Repaying student loans:

I. Online repayment process:

1. Log in to "Student Online Account";

2. Log in to the Alipay website with the name of the personal Alipay loan special account to conduct the personal Alipay loan special account.

Login password and payment password to prevent the account from being stolen;

Second, individuals.

1. Get the repayment application form from the student loan center.

2. Students will give one to the designated one;

3. How much is the monthly regulation?

Three, how to calculate the repayment and interest of student loans? What are the procedures for repaying interest?

1, interest calculation: before graduation, the interest of the student-origin student loan is subsidized by the government, and the borrower does 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. 2. Repayment method:

(1), prepayment a, the time for submitting prepayment application: June-July every year. You can apply for prepayment before 10, and the interest will be calculated until the 20th of that month. Applications made after the current month (except July) 10 will be regarded as applications for early repayment next month, and the interest will be calculated until the 20th of next month. B. Deposit time of prepayment funds: If you use the Agricultural Bank of China card for repayment and submit an application for prepayment before 10 last month (the repayment account number is China Agricultural Bank card or Alipay students can access the online student system), you should deposit it into the designated agricultural bank card before 15 this month. If the repayment is made with the Agricultural Bank card, and the application for prepayment is submitted after 10 in the current month and before 10 in the following month, it shall be deposited into the designated Agricultural Bank card before 15 in the following month. If you pay by Alipay, and you submitted an application for early repayment after 10 last month and before 10 this month (the repayment account is Agricultural Bank of China card or Alipay students can access the student online system), please deposit it into the designated Alipay account before the 20th of that month. If the payment is made by Alipay, and the application for prepayment is submitted after 10 of the current month and before 10 of the next month, it shall be deposited into the designated Alipay account before the 20th of the next month. (2) For installment repayment, please deposit the principal and interest (only interest is repaid two years before graduation) into the designated agricultural bank card or Alipay account (repayment account is agricultural bank card or student Alipay) before February 15 every year (before August 15 or before September of last year). Repayment by installments shall be calculated on an annual basis. Students can check the principal and interest payable in the current year in the online student system after120. 165438.

Four, how to calculate the interest of college students' loans and how to repay the loans?

I. Repayment method:

(1), advance payment

A submission time of prepayment application: you can apply for prepayment before June 1 to July 10 every year, and the interest is calculated until the 20th of the current month. Applications made after the current month (except July) 10 will be regarded as applications for early repayment next month, and the interest will be calculated until the 20th of next month.

B. Deposit time of advance funds:

If you use the Agricultural Bank of China card to repay the loan, and submit an application for prepayment before 10 of the current month after 10 of last month (the repayment account number is Agricultural Bank of China card or Alipay, which students can check on the students' online system), you should deposit it into the designated Agricultural Bank of China card before 15 of the current month. If the repayment is made with the Agricultural Bank card, and the application for prepayment is submitted after 10 in the current month and before 10 in the following month, it shall be deposited into the designated Agricultural Bank card before 15 in the following month.

If you pay by Alipay, and you submitted an application for early repayment after 10 last month and before 10 this month (the repayment account is Agricultural Bank of China card or Alipay students can access the student online system), please deposit it into the designated Alipay account before the 20th of that month. If the payment is made by Alipay, and the application for prepayment is submitted after 10 of the current month and before 10 of the next month, it shall be deposited into the designated Alipay account before the 20th of the next month.

(2) Repayment by installment

Please deposit the repayable principal and interest (only interest will be repaid in the first two years after graduation) into the designated agricultural bank card or Alipay account before 15 every year (before August 15 or before September of last year 15). Repayment by installments shall be calculated on an annual basis. Students can check the principal and interest payable in the current year in the online student system after120. 165438.

Second, the interest calculation:

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.