The following are answers to some questions about the repayment of state funds, hoping to help you.

The repayment period of the national student loan is

Freshmen with national student loans in 2004 should pay off the loan principal and interest within six years after graduation. The state encourages borrowing students with better income after graduation to pay off the loan principal and interest in advance.

For the student repayment agreement signed before August 2004, it is generally stipulated that the borrower should pay off the loan principal and interest within four years after graduation.

Less countries?

The national student loan interest rate is subject to the statutory loan interest rate announced by the People's Bank of China. The annual benchmark interest rate is: from one year to the current year (inclusive) 6.12%; For more than five years, it is 6.39%.

How does the national finance subsidize the interest of the national student loan?

The loan interest is fully subsidized by the state finance; The borrower's interest and penalty interest after graduation shall be borne by the student himself.

For the loan contract signed before August 2004, the interest will be paid within the normal loan period, and the students themselves will bear the other half.

What procedures do borrowers need to go to the bank for graduation?

1. Before the borrower leaves school, the school should organize the borrower to go through the repayment confirmation formalities at the handling bank, make the repayment plan and sign the repayment agreement. After the borrower and the handling bank go through the above procedures, the school can handle graduation for them.

2. For borrowing students who continue to pursue their degrees in the same year after graduation, relevant certificates of continuing to pursue their degrees before graduation should be provided. After the approval of the original school, the original handling bank will handle the extension formalities for it.

When did the borrowing students start to repay the national student loan?

Borrowing students need to pay the loan interest in full after graduation. The handling bank allows students to make loans based on employment and any principal within the next 24 months. Specific repayment matters, by borrowing students in the repayment confirmation procedures to apply to the handling bank, the handling bank for preliminary examination.

How do borrowing students repay the national student loan?

Banks usually design two repayment methods for loan students. The equal principal and interest repayment method repays the principal and interest equally in each period, and the repayment pressure is that the repayment amount in the average distribution period is more, and the repayment amount in subsequent periods is less, and the repayment pressure is tight first and then loose. The total principal and interest paid by the equal principal and interest repayment method is slightly higher than that by the average capital repayment method.

Can a borrower mention it?

Borrowing students can repay part or all of the loan in advance during the loan period, but they must submit a written application to the bank in advance. Interest is charged on the principal repaid in advance according to the interest rate agreed in the contract and the actual use days.

What will happen if a student breaks the contract?

1. If the borrower of the national student loan fails to repay the loan according to the time limit and amount agreed in the repayment agreement, the handling bank will charge a penalty interest on the amount of the default repayment.

2. The handling bank will input the personal basic information and repayment of the graduated students into the personal credit information of the People's Bank of China for all financial institutions in the country to inquire according to law. If the graduates of the national student loan seriously breach the contract, it will affect their application for credit from financial institutions.

3. After entering the repayment period according to the repayment agreement, the relevant management departments and banks will announce the specific breach of contract and other information through news media, the Internet and other information channels for borrowers who are seriously in arrears.

4. The breaching party shall bear

Second, the student loan for college students is four years, with a loan term of 36,000 yuan, 15 years. How much do you want to pay when it is finished?

First, the National Development Bank student loan interest is divided into the following two situations:

1, interest-free during school. The interest on the 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. Pay interest after leaving school. After graduation, you can choose one-time repayment without interest or installment repayment with interest. One-time repayment is interest-free, that is, 26,000 yuan is paid off in one lump sum before interest after graduation, so there is no interest.

Two, the National Development Bank student loan repayment principle:

Interest and principal

1). During the school period, the interest will be fully discounted by the state finance;

2) Party B shall bear the interest on the student loan from September 1 day of the year of graduation (or graduation), and the repayment date is February 20th 12 (September 20th of the last year), which will not be postponed in case of holidays.

3). From the fourth year of graduation (or graduation year is the first year), the principal and interest will be repaid, and the repayment date of principal is the same as that of interest.

4). Those who continue to study for a degree during the repayment period after graduation shall apply to the county-level funding center in time and provide relevant written proof. After passing the exam, you can continue to enjoy the financial benefits during your school days.

2. Interest rate and interest rate adjustment

In accordance with the relevant provisions of the state, the interest rate of students' credit student loans shall be subject to the benchmark interest rate of RMB loans of the same grade in the same period announced by the People's Bank of China, and shall not rise. Every February 2 1 65438 is adjusted according to the latest benchmark interest rate.

3. What is the tuition fee of art high school?

Tuition for art students: 36,000 yuan/year/student.

Jingzhou Art High School is a boarding high-end ordinary high school approved by Jingzhou Municipal People's Government, with enrollment code 4009. It is an ordinary high school in Jingzhou, with its own research base and various channels for further study.

Jingzhou Art High School employs excellent teachers according to the four high standards of "education, professional title, level and quality", and has built an excellent team of teachers with reasonable structure, high professional level, caring, good management, full of vitality and enterprising spirit, with special and senior teachers as the academic leaders, young and middle-aged teachers as the backbone and full-time foreign teachers as the characteristics. There are 40 full-time teachers, of whom 100% have bachelor degree or above, and more than 80% have senior titles.

4. Student loan 17600, 15 graduated in July, 15, how much do you need to pay back by the end of 2005? then ...

You'd better ask the bank staff about this. It's useless for us outsiders to forget it.