(1) Within half a year (inclusive): 5.04%(2) Half a year to one year: 5.3 1%(3) One year to three years (inclusive): 5.49%(4) Three years to five years (inclusive): 5.58%(5) Five. A: In order to reflect the preferential policies of the state for students with financial difficulties and reduce the burden of repayment, the financial department gives discount to students who accept national student loans. 50% of the student loan interest is subsidized by the government, and the other 50% is borne by the individual.
2. What is the annual interest of the student loan 12000?
According to the relevant provisions of the state, the interest rate of student-origin credit student loans is the benchmark interest rate of the People's Bank of China in the same period and at the same level, and shall not rise. Every year, it will be adjusted according to the latest benchmark interest rate of June 65438+February 2 1.
Students with large loans do not need to pay interest during their normal study at school, but they are subsidized by the government, but the interest is 1 from September of the graduation year.
The national student loan interest rate is 5.76% for one to three years (inclusive) according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies; Three to five years (inclusive): 5.85%; More than five years: 6. 12%.
Interest rate analysis: the interest rate is the benchmark interest rate of the same grade in the same period at the time of loan issuance, and does not rise. The bank loan interest rate can be said that the national student loan interest rate is not high from the loan interest rate.
Example: The loan amount is 6,000 yuan, and the loan period is 8 years. Because interest is free during school, you only need to pay interest two years after graduation and principal and interest in the third year, so you have to pay it back every year.
How much is the interest on the student loan of 3.8000 yuan 14?
The student loan is 8000 yuan 65438+the interest in 2004 is about 18oo yuan.
4.8000 What is the interest on the student loan?
The maximum interest of 8000 yuan student loan is 524 yuan. It is reported that the interest of student-origin student loan is determined according to the benchmark interest rate standard of the central bank in the same period of the year. The loan interest rate for six months (inclusive) is 5.60%. The loan interest rate from 6 months to 1 year (inclusive) is 6%. 1 to 3-year loan interest rate is 6. 15%. The loan interest rate for three to five years is 6.40%. The loan interest rate for more than 5 years is 6.555. Therefore, the maximum interest of the student loan of 8,000 yuan = 8,000× 6.55% = 524 yuan. It should be noted that if the central bank's benchmark interest rate is adjusted, the interest rate of student-origin student loans will also be adjusted at 65438+February 2 1. The adjusted student loan interest rate is the same as the loan fund interest rate of the same grade in the same period announced by the People's Bank of China. Under normal circumstances, the interest is fully repaid by the students themselves after graduation, and the loan repayment period is determined according to the students' personal graduation and income after graduation. 65438+ 0-2 years after graduation is the time for students to repay the loan principal, and the loan principal and interest need to be paid off within 6 years. To sum up, the student-origin loan does not earn much interest for one year, and the state will fully subsidize the interest of students during their school days. After graduation, the loan interest shall be paid by the student himself or his guardian. Therefore, the interest you actually need to pay when applying for a student-origin student loan is not much. It takes 7- 15 working days to approve the student loan. It should be noted that the examination and approval of student-origin student loans requires two stages. When making the first loan, the borrower and the borrower need to go to the student financial assistance management department where the household registration is located. The student management department conducts a pre-loan review, signs a contract with the borrower after passing the review, and issues an acceptance certificate. Students report to colleges and universities with the Admission Notice, and the student management department of the school enters the electronic receipt before June 10, and issues loans after being audited by the China Development Bank.