1. According to the student loan policy, the interest settlement date of the loan is 65438+February 20th every year.

2. Within two years after graduation, the borrower shall deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal at the last repayment.

3. Borrowing students who want to repay the loan in advance can apply on June1-June 10 (except June 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.

2. When is the repayment date of the student loan? When is the final repayment date?

After graduation, college students no longer enjoy the interest-free policy of student loans and need to start paying corresponding interest. So when is the repayment date of the student loan? Are all repayment dates stipulated? If you miss the time, is there a final repayment date to remedy it? Today I will summarize these problems for you.

1. When is the repayment date of the student loan? Generally speaking, the repayment date of student loans can be February 20th, 65438. If you want to prepay, you can apply on February 20th 10, and change the repayment date to June 5th. There is another customer who can pay off this year's interest on February 20 every year at 65438 within the grace period of two years after graduation, together with the due principal. 2. When is the last repayment date? Overdue after 20th will lead to penalty interest and credit investigation. If you have the ability, you can start repayment during your college years, so that the pressure can be less after graduation. Moreover, the term of student loans is very long, which can be divided into 17 years at most. If you want to continue your master's degree, you can postpone it to 20 years, and the last issue will be returned before September 20 of that year. The above is an explanation about the repayment period and date of the student loan. In fact, student loans can only be up to 8,000 yuan a year, and it will be tens of thousands of yuan after four years of college. Many people can pay off their work in a few years after graduation, so don't worry about it. Moreover, after entering the society, everyone will find that the interest of student loans is much lower than other loans, which is very cost-effective.

3. When is the latest repayment date of the national student-origin student loan without interest?

There will be interest after graduation, calculated according to the general bank interest rate. Interest = the amount, interest rate and time of your loan. We graduated this year, so we have been interested since 9. 1

4. When is the last repayment date of the student loan?

The grace period is three years (including the year of graduation and three years after graduation) during the student's stay at school.

During the grace period, the lender only needs to repay the loan interest. In the first year of graduation, only the interest on the total loan amount 1 until February 20, 2008 (* *1/day) will be paid, and in the second and third years of graduation, only the interest of 65438+February 2008 +0 days in the previous year will be paid.

Repayment period of student-origin student loan

1, in line with the student loan policy, with a loan of 0 days.

2. Within two years after graduation, the borrower shall deposit the repayable loan interest into Shenfubao account before 65438+February 65438+May each year. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.

3. Borrowing students who want to repay in advance can apply from June 5438+0 to June 5438+00 (except June 1 1 day) every month, and the repayment date is the 20th of that month, without the approval of China Development Bank.

Note: The interest of student-origin student loans is based on the benchmark interest rate announced by the central bank in the same period, and the loan period is finally paid off. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.

widening of capital

Consequences of student loan default

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment.

2. The handling bank will input the personal basic information and repayment of the graduated students into the basic information database for all financial institutions in the country to inquire according to law. If it is serious, it will affect its application for other personal consumption credit from financial institutions.

3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and other information channels will publish the name, citizenship number and graduation school information of the borrower who has seriously defaulted on repayment.

4. The breaching party shall bear relevant responsibilities.