According to the regulations, borrowers need to start repaying loan interest after graduation. The interest of student-origin student loan is determined according to the benchmark interest rate of the central bank for the same period, and is adjusted accordingly according to the change of interest rate on February 2 1 day every year. The benchmark interest rate of central bank loans for more than five years is 4.9%. Let's calculate the student loan interest at this interest rate. If you apply for a student loan of 8000 yuan, then the loan interest you have to bear every year is 8000×4.9% = 392 yuan. If the central bank reduces the five-year loan interest rate to 4.75% in the second year, the loan interest that everyone has to bear every year will be reduced to 8000×4.75% = 380 yuan. Reminder: The first three years after graduation is a grace period. You only need to repay the loan interest, not the loan principal. After the grace period, everyone needs to repay the loan principal and interest according to the contract. Extended information 1: loan description 1. In order to standardize the loan management and avoid unnecessary laws, the development bank stipulates that the student loan contract should be signed once a year. When signing a loan contract for the first time, the borrower and the borrower must be present at the same time; When renewing the loan and signing the contract, the borrower or the borrower can handle it with the power of attorney. From 20 1 1, the terms of the new version of the student loan contract stipulate that the borrower and the borrower authorize each other by default, and there is no need to sign a power of attorney. 2. Borrowing students are required to start repaying student loans after graduation. Student-origin student loans are repaid through Alipay account. It should be noted that the normal repayment date of student-origin student loans is before 65438+February 20, and the repayment date of the last year is before September 20. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month. 3. The repayment person needs to register his real-name Alipay account, log in to the student online service system to inquire about the repayment plan, and then deposit the repayment amount in full into the Alipay related account before 65438+February 65438+May 5, and log in to the student online service system on February 30, 65438 to inquire about his repayment situation. Extension 2: repayment method of student-origin student loan 1, Alipay repayment: operating environment: smart phone, Alipay v 10.2.33.8000. Students can log on to the online service system of student loans in colleges and universities of China Development Bank, and then carry out Alipay real-name authentication, and bind their personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan maturity reminder SMS, etc.). ) and determine the amount paid by Alipay to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time. 2. Bank repayment: The borrower needs to bring all the materials for handling the student loan, as well as his ID card and bank card. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.
Second, the university four-year student loan * * * borrowed 30,000 yuan. How much do you need to pay back every year after graduation? How is the interest calculated?
The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.
repayment period
According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.
Three, the university loan is thirty thousand yuan in five years, and it will be paid off in four years after graduation. What are your interests?
I don't know what your interests are. Calculated according to the benchmark interest of 0.72, the first year interest of the loan of 30,000 yuan is 2 160, and the total interest for five years is 10800! When the loan expires, you have to pay back 40,800 yuan to the bank!
Four, the university applied for four years, after graduation began to repay the national student loan interest how to calculate?
Because you dropped out of school and didn't ask the relevant teacher for an extension, you need to pay interest after graduation. Not interested before graduation. The interest after graduation can be found in the loan system, 6000 3400.