Student-origin student loan discount refers to that after the loan student applies for student-origin student loan, the interest of student-origin student loan is subsidized by the state finance during the school period, during which the student-origin student loan does not generate any interest expenditure. This can effectively alleviate the repayment pressure of loan students. However, after graduation, the state no longer gives preferential loans to students.

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.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice. 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 various forms of financial aid policy systems for students from poor families in colleges and universities, such as national scholarships, national inspirational scholarships, national grants, free education for normal students, national student loans, work-study programs, tuition fee remission and so on. When students from poor families are admitted to universities, they can first report on time through the "green channel". After entering the school, the school verifies the family's financial situation and then adopts different ways to support it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.

What is the discount interest fund for student loans?

Student loan discount refers to the interest expense of student loan subsidized by the state or banks. During students' study in school, the interest on student loans is subsidized by the government 100% (that is, discount), and students do not need to bear it themselves, but the interest is paid in full by students after graduation. The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies.

What do you mean by student loan discount?

Refers to the interest expenses of student loans funded by the state or banks. During the student's stay at school, the interest on the student loan is subsidized by the government 100%, and the interest is paid in full by himself after graduation. The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise.

There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

[1] seven. What materials do I need to provide to apply for a national student loan?

Application for national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

3. My explanation of the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

examine and approve

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

Repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.