The loan term of the student loan can be filled in between 10 and 14. This is also stipulated by the state. The loan period of student-origin student loan is the remaining academic system plus 10 years, and the longest period cannot exceed 14 years. For example, if your remaining academic system is 4 years, then your loan period can be 14 years. However, the loan term should also be filled in a little longer, because it can leave enough time for repayment. If the filling period is too short, it may not be possible to repay the loan, which will cause loans overdue to study and affect the credit investigation. The loan term of the national student loan for students' origin is introduced in detail: the term of the national student loan for students' origin is academic system plus 6 years, the longest is 10 year, and the term of the credit student loan for students' origin is academic system plus 10 year, the longest is 14 year. Now it is uniformly adjusted to the academic system plus 13 years, with a maximum of 20 years. The interest of students during their school days is fully subsidized by the finance. Borrowing students who continue to study for their degrees during the repayment period after graduation may apply for continuing interest subsidies. Borrowing students who drop out of school due to illness and other reasons shall provide written proof to the handling agency, and the handling bank shall apply, and the loan interest during the suspension period shall be fully subsidized by the finance. When will the loan be repaid? If you apply for a student loan, you can choose to pay it off before graduation without bearing interest. Because the interest on the student-origin loan is paid by the state during the school period, it is also a preferential policy for students. But if you don't have enough money to pay off the loan, you can also choose to pay it back after graduation. At first, you can only choose to pay interest, and then pay the principal after the salary increase, as long as you pay off the student loan within the loan period. Therefore, the student source loan is very favorable, and it is also a kind of subsidy for students from poor families to complete their studies. So if you want to apply for a student loan, the longer the loan term, the better, because you can repay the loan in advance.

Second, how to calculate the number of years of student loans?

Refers to the loan term of this loan. When each student fills in the loan application, the application form has the loan term.

CDB also has a grace period for repayment. The time to repay the principal is the loan time MINUS the academic system, and then the grace period is the time for students to repay the principal.

For example, if the student's loan period is 6 years, if the student's academic system is 4 years, then the grace period is 2 years (2 years for students who borrowed before 14, and 3 years for students who borrowed after 15), then the time for students to repay the principal is the second year after graduation. For example, if a student's loan application form says 10 year, and the student's schooling is 4 years and the grace period is 2 years, then the student's principal repayment time is 10-4-2=4, that is, the student will start to repay the principal in the fourth year after graduation. And so on.

We call it annual interest settlement when the principal and interest are repaid on February 20, 65438 every year. The national student loan bears interest in September of the year when students graduate. All graduating students pay interest on February 20 (that is, the fixed repayment date) every year. For students who have not paid off the loan in one lump sum, according to the repayment time in the loan contract, if the loan is repaid in installments, the interest and the principal will be repaid together. Students who apply for student loans should log on to the online system to inquire information in time to avoid overdue.

Extended data:

Repay the national student loan in advance:

Early repayment means that students want to repay the loan before the repayment deadline of the principal. For example, the student's loan period is written as 6 years. I had to wait until the second year of graduation to repay the principal, but I wanted to pay it back in the first year of graduation. This is called prepayment.

Prepayment process:

3. Is the repayment period from enrollment or graduation from six years to 18?

In the year of graduation, you need to repay in advance and many times. The annual repayment date is September 20th. Graduation section. Starting from the third year, you need to repay the principal. Principal payment. Pay attention to the student loan, and you must repay it normally, otherwise it will have an impact on the mortgage, car loan and personal consumption loan you may need in the future. Because in practice, I have encountered similar plans to repay normally. If you are not sure, you can consult the bank that issues student loans.

First, the loan term.

The loan term usually refers to the time after the lender lends money to the borrower to recover the arrears, that is, the loan term is actually the actual loan use period of the borrower.

Choose the loan term that suits you. For large loans, the specific performance is as follows.

1, the borrower's personal loan term can reasonably arrange loan funds, which can ensure the safety and efficiency of credit funds;

2. The borrower can choose the loan amount according to the loan term, and strive to obtain the maximum loan benefit within the loan term;

It is nothing new to borrow money to buy a car now. Many people buy it by handling car loans. There are still many places to pay attention to in car loan. I believe many friends are interested in the car loan contract.

3. Be aware that the loan term and loan interest are closely related. Borrowers can carefully check their own loan costs, reduce the loan time, facilitate borrowers to allocate the loan amount more reasonably, and improve the actual utilization efficiency of loans.

2. What is the loan term of ABC?

Short-term loans of Agricultural Bank of China refer to personal loans with a term of 1 year or less (generally temporary loans with a term of more than 6 months). This kind of loan has the advantages of short term and low risk, but it has a small disadvantage that the lending interest is high.

Personal loans for less than five years have the characteristics of long term, high interest and relatively high borrowing risk.

For long-term loans, the longer the loan term, the more the corresponding loan interest will naturally be. Everyone needs to pay more attention.

4. How to calculate the student loan? If the loan term is 10 years, the loan will be granted. ...

Students should apply for loans every year instead of applying for three years at a time. Secondly, the loan is interest-free before graduation and will be collected in September after graduation. A ten-year loan term means that you can pay back a little every year for ten years and pay it off within ten years. It is best to pay it off in one lump sum as soon as you graduate, and there will be no interest. As for the principal and interest after ten years, it is impossible to calculate, and the interest changes with the loan interest of the bank in that year, which is unpredictable.