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根据国务院办公厅和中国人民银行最新下发的《助学贷款管理补充规定》和《人民银行助学贷款管理办法》,助学贷款按用途分为学费贷款和生活费贷款,学费贷款按学生就读学校的学费标准发放;生活费贷款按学校所在地区基本生活费标准发放;贷款期限一般不超过8年,采取灵活的还本付息方式,或利随本清、或分次偿还(按年、按季或按月)。那么,助学贷款是怎样计贷还息的呢?以下举例说明: 大学新生李某9月报到入学后,申请国家助学贷款,该学生学制4年,学费每年5000元,生活费每月200元,因家
According to the Supplementary Provisions on Student Loan Management and the Measures for the Management of Student Loans in People’s Bank recently issued by the General Office of the State Council and the People’s Bank of China, student loans are divided into tuition loans and living expenses loans according to their purposes. Loans for tuition fees are calculated according to the students’ Of the standard fee for living expenses; living expenses loans according to the basic living standard in the area of the school payment; loan period is generally not more than 8 years, to adopt a flexible repayment of principal and interest, or with the clear, or repayments (on a quarterly, quarterly or Monthly). The following examples illustrate: University freshmen Lee reported to school in September, apply for a national student loan, the student system for 4 years, tuition fees of 5,000 yuan per year, living expenses of 200 yuan per month Because of home