The term of the national student loan is 15 years, with a maximum of 22 years.
Borrowing students who continue to study for their degrees during the repayment period after graduation may apply for continuing interest subsidies. For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
Student-born loan life
With the development of economy, the income of China residents has increased a lot, but there are still many families who can't afford the university fees. Therefore, China Development Bank has designed student loans for students with financial difficulties. Some students are very concerned about the loan period of student-origin student loans. Today, I will tell you something about it.
According to the regulations of China Development Bank, the loan period of student-origin student loan is "the educational system time is 10 year". That is to say, the loan term for college students is generally 13 years, and that for undergraduates is generally 14 years. However, this provision is not mandatory. You can choose the loan term according to your actual situation.
Although the loan period of student-origin student loan can be chosen independently, the loan period can not be less than 6 years or more than 20 years. That is to say, the loan period of student-origin student loan is: 6 years ≤20 years ≤
There are two other special situations that need your attention.
1. Continue to study after graduation;
2. Studying for a second bachelor's degree during the undergraduate period, resulting in a school system of more than 4 years.
In the above two special cases, the repayment period will be shortened correspondingly after graduation, but the loan period will remain unchanged.
Generally speaking, the loan period of student-origin student loans is still relatively long, so there is no need to worry about the pressure of repayment.
How many years does it take for a student loan?
Student loans generally do not exceed 10 years.
Generally speaking, the term of national student loans in colleges and universities does not exceed 14 years, and the longest term of student-origin credit student loans does not exceed 14 years.
Full-time college students and graduate students with financial difficulties in colleges and universities in the province can apply to the National Development Bank for a national student loan on campus through the student financial assistance department of the school. The annual loan amount for college students does not exceed 8,000 yuan, and the annual loan amount for graduate students does not exceed 6,543,800 yuan+0.2 million yuan. The loan term generally does not exceed 10 year.
Full-time college students with financial difficulties who are admitted to universities outside the province can apply to the China Development Bank for student-origin credit student loans through the county-level student financial assistance management center where their household registration is located. The annual loan amount per student shall not exceed 8,000 yuan, and the longest loan period shall not exceed 14 years.
How long is the student loan?
The term of student loan is the length of time from signing the contract to paying off the loan normally.
The minimum loan period is 6 years, and the longest is (remaining academic year 15) years, not exceeding 22 years. If the time from graduation to loan maturity exceeds 5 years, then 5 years after graduation is a grace period, during which only interest is paid every year. In the sixth year, the principal and interest shall be repaid every year until September 20th of the last year of the loan term. Before July 3 1 of the year in which the notice is received, junior college students (undergraduate graduate students) need to go to the funding center to "change their school information and extend the discount period", and then they can continue to enjoy the discount during the new university (provided that the contract has not expired), but the loan maturity date remains unchanged, so the loan application period should be appropriately extended within the allowable range to avoid the expiration of graduate loans. Students in junior college or postgraduate stage will bear the interest during the new university if they have not changed their schooling information and extended the preferential period.
How long is the term of China Bank's national student loan?
The term of the national student loan of China Bank is academic system plus 15 years, and the longest is no more than 22 years.
Borrowing students who continue to study for their degrees during the repayment period after graduation may apply for continuing interest subsidies. Borrowing students who apply for continuing interest subsidy must apply for continuing interest subsidy from the original university institutions 20 working days before the start date of applying for interest subsidy, and provide admission notice, identity certificate and other relevant supporting materials. The original colleges and universities should review the loan students' application for continuing interest subsidy within 5 working days. After the approval, they should fill in the Application Form for Adjustment and Repayment Plan and Interest Subsidy of National Student Loan of Bank of China Co., Ltd. and affix their official seals. After receiving the application for continuing discount approved by the school, the original handling bank shall go through the formalities for continuing discount within 5 working days. Because the original handling bank has gone through the formalities of continuing to discount interest, the loan interest incurred during the period of continuing to study for a degree will be continued to be subsidized by the original discount finance department according to the affiliation of the original university where the borrower is located. The renewal is managed and paid by the National Student Financial Assistance Management Center. The National Student Financial Assistance Management Center and the borrower's former university continue to undertake the relevant responsibilities and obligations agreed in this agreement. Borrowing students can also upload and submit the admission notice, identity certificate and other relevant supporting materials in personal online channels such as personal mobile banking and personal online banking of Bank of China to complete the application for continuing interest subsidy. Upon the completion of the audit, the university organizer and the handling bank will show the signed national student loan adjustment repayment plan and interest subsidy application to the borrowing students in China Bank, personal mobile banking and personal online banking.
The above contents are for your reference. Please refer to the actual business regulations.
How many years is the student loan term?
The loan term of the student loan is 6- 14 years. In principle, it is determined by the academic system plus 10 years. The shortest loan period of student-origin student loan is not less than 6 years, and the longest loan period is not more than 14 years. After the promulgation and implementation of "the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools" (Guo Fa [2007]13) and its supporting measures, the state has established national scholarships, national inspirational scholarships and national grants in the higher education stage. Free education for normal students, national student loans, work-study programs, tuition reduction and other forms of financial aid policy system for poor students in colleges and universities. Students from poor families who are admitted to universities can report on time through the "green channel" first. Loan forms: there are four main loan forms: national student loan; Student credit loan; Interest-free loans issued by institutions of higher learning to students with state financial funds; General commercial student loans. Among them, the national student loan is the largest in strength and scale, and it is the main content of student loan. Full-time public colleges and universities should actively implement the national student loan policy and handle the national student loan for poor students in colleges and universities with cooperative banks. There are also some private colleges and universities that have launched national student loans. Students should pay attention to the relevant statements in the admissions brochure or the admission notice.