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大學生學費貸款要利息嗎

發布時間: 2024-04-08 10:37:12

❶ 鍔╁﹁捶嬈劇殑鍒╂伅鏄澶氬皯

鍥藉跺姪瀛﹁捶嬈懼埄鎮鎬庝箞綆

鍔╁﹁捶嬈懼勾鍒╂伅璁$畻鏂規硶錛

鍥藉跺姪瀛﹁捶嬈懼埄鐜囨寜鐓т腑鍥戒漢姘戦摱琛屽叕甯冪殑娉曞畾璐鋒懼埄鐜囧拰鍥藉舵湁鍏沖埄鐜囨斂絳栨墽琛岋紝涓嶄笂嫻銆傜幇琛岀殑璐鋒懼勾鍒╃巼鏄錛氫竴騫磋嚦涓夊勾(鍚)錛5.76%錛涗笁騫磋嚦浜斿勾(鍚)錛5.85%錛涗簲騫翠互涓婏細6.12%銆

鎻愬墠榪樿捶鐨勶紝緇忓姙閾惰屾寜璐鋒懼疄闄呮湡闄愯$畻鍒╂伅錛屼笉鍔犳敹闄ゅ簲浠樺埄鎮涔嬪栫殑鍏朵粬浠諱綍璐圭敤銆傚埄鎮=璐鋒鵑噾棰濈浉搴斿勾鍒╃巼璐鋒懼ぉ鏁/365銆傜畝鍗曟潵璇達紝灝辨槸榪樺湪璇諱功鐨勬椂鍊欏埌姣曚笟涓騫村唴涓嶇敤緙村埄鎮銆傜瓑鍒頒竴騫翠互鍚庡埄鎮涓0.5%錛岀劧鍚庡埌璐鋒劇殑閾惰屾垨鍒嗚岀即嬈懼嵆鍙銆

銆愭嫇灞曡祫鏂欍

鍋囪捐捶嬈懼︾敓鐢寵風殑璐鋒鵑噾棰濅負8000鍏冿紝閭d箞鎸夌収4.75%鐨勫勾鍒╃巼鏉ヨ$畻錛岄偅涔堜竴騫寸殑鍒╂伅涓380鍏冦

鏍規嵁鐩稿叧瑙勫畾錛屽ぇ瀛︾敓鍔╁﹁捶嬈劇殑鍒╂伅鏄鏍規嵁澶琛屽彂甯冪殑鍩哄噯鍒╃巼鑰屽畾銆備竴鑸鏉ヨ達紝鍔╁﹁捶嬈劇殑鍒╃巼浼氬湪鍩哄噯鍒╃巼鐨勫熀紜涓婅繘琛屾誕鍔錛屾渶楂樹笉瓚呰繃24%鐨勫炲箙銆

鍦2021騫達紝澶у︾敓鐢寵風殑鍔╁﹁捶嬈炬棤璁烘槸鐢熸簮鍦板姪瀛﹁捶嬈捐繕鏄楂樻牎鍔╁﹁捶嬈撅紝鍙闇瑕佹槸鎸佺畫鐢寵捶鐨勶紝鐢寵峰勾闄愪竴鑸閮藉湪6騫翠互涓娿傝屽浗瀹墮摱琛岀殑浜斿勾鏈熻捶嬈懼熀鍑嗗埄鐜囦負4.75%銆傛瘡涓鍦板尯鐨勫浗瀹跺紑鍙戦摱琛屽埄鐜囧熀鏈涓鑷達紝涓嶄細鏈夊お澶ц搗浼忥紝涔熶笉浼氭湁鍒╃巼涓嶆柇涓婂崌鐨勬儏鍐點傚ぇ瀛︾敓鍔╁﹁捶嬈劇殑榪樻炬柟寮忔寜鐓у勾鏉ヨ$畻錛屾瘡騫寸殑9鏈20-12-20閮芥槸榪樻炬椂闂淬傛瘯涓氬悗鐨勫墠涓ゅ勾閲岋紝澶у︾敓鍙浠ラ夋嫨鍙鍋胯繕璐鋒懼埄鎮銆傛瘯涓氬悗鐨勭涓夊勾璧鳳紝澶у︾敓灝遍渶瑕佸悓鏃跺伩榪樿捶嬈炬湰閲戝拰鍒╂伅銆傛牴鎹鍥藉惰勫畾錛屽︾敓涓婂︽湡闂達紝琛ュ姪閲戠殑鍒╂伅鍏ㄩ儴鐢辮儲鏀胯ˉ鍔╅噾鏀浠橈紝姣曚笟騫9鏈1鏃ヨ搗錛岃嚜宸辨壙鎷呰捶嬈懼埄鎮錛屽傛灉涓嶆兂鏀浠樺埄鎮錛屽彲浠ラ夋嫨涓嬈″叏棰濆伩榪樸

鍔╁﹁捶嬈劇殑鍒╂伅鏄澶氬皯?

鎸夋椂榪樼殑璇濇槸娌℃湁鍒╂伅鐨勩

鍥藉跺姪瀛﹁捶嬈懼湪鏍℃湡闂翠韓鍙楄捶嬈懼埄鎮鍏ㄥ厤鐨勬斂絳栵紝浣嗘槸鍦ㄦ瘯涓氬悗鏄闇瑕佸紑濮嬫敮浠樺埄鎮鐨勶紝姣曚笟鍚庝袱騫翠箣鍐呭彧闇瑕佹敮浠樺埄鎮錛屼粠絎涓夊勾璧烽櫎浜嗚佹敮浠樺埄鎮榪橀渶瑕佹敮浠橀儴鍒嗘湰閲戙

渚嬶細鏌愬ぇ瀛︽湰縐戠敓錛屽浗瀹跺姪瀛﹁捶嬈鵑噾棰6000鍏冿紝璐鋒炬湡闄8騫達紝鐢變簬鍦ㄦ牎鏈熼棿鍒╂伅鍏ㄥ厤錛岃屾瘯涓氬悗涓ゅ勾鍙闇瑕佹敮浠樺埄鎮錛岀涓夊勾鎵嶉渶瑕佸伩榪樻湰閲戜互鍙婂埄鎮錛屽洜姝ゆ瘡騫磋繕嬈懼埄鎮閲戦濆備笅銆

宸茬煡鏉′歡涓猴紝鍥藉跺姪瀛﹁捶嬈鵑噾棰6000鍏冿紝榪樻炬湡闄4騫達紝璐鋒懼埄鐜囦負4.90%錛岄偅涔堢涓騫磋繕嬈懼埄鎮涓猴細600081澶4.90%/360=66.15錛堜粠鐢寵峰姪瀛﹁捶嬈劇殑鏃墮棿9鏈1鏃ヨ$畻鍒12鏈20鏃ワ級銆傜浜屽勾榪樻懼埄鎮涓猴細60004.90%=294鍏冿紙浠庡幓騫寸殑12鏈20鏃ヨ$畻鍒板綋騫寸殑12鏈20鏃ワ級銆傜涓夊勾榪樻懼埄鎮涓猴細60004.90%=294鍏冿紙鍓嶄袱騫撮兘娌℃湁鍋胯繕鏈閲戱紝鍥犳ゅ埄鎮緇存寔涓嶅彉錛屼粛鐒朵負393鍏冿紝鍚屾椂絎涓夊勾闇瑕佸伩榪樻湰閲6000/2=3000鍏冿級銆傜鍥涘勾榪樻懼埄鎮涓猴細30002754.90%/360=112.29鍏冿紙鍥犱負鏈鍚庝竴騫寸殑榪樻炬棩鎸囧畾涓9鏈20鏃ワ紝鍥犳ゆ渶鍚庝竴騫寸殑璐鋒懼埄鎮瀹為檯涓嶈凍涓騫達紝鍒欐寜澶╄$畻錛屽垯騫村埄鐜囨崲綆楁垚鏃ュ埄鐜囧疄闄呰捶嬈懼ぉ鏁=鎸夋棩璐鋒懼埄鎮錛涘悓鏃舵渶鍚庝竴騫翠篃搴旇ュ皢鍓╀綑鐨勬湰閲戜竴騫跺綊榪橈紝鎵浠ョ鍥涘勾闇瑕佸伩榪樺墿浣欑殑鏈閲3000鍏冿級

娉ㄦ剰錛氬浗瀹跺姪瀛﹁捶嬈捐繕嬈炬湡闄愪笉鍚岋紝鍒欒繕嬈懼埄鎮鐨勮$畻鏂規湁鎵涓嶅悓錛屼笉榪囧ぇ鑷翠笂鏉ヨ達紝鏈嬈℃堜緥鐨勮$畻鏂瑰紡閫傜敤浜庡浗瀹跺姪瀛﹁捶嬈捐繕嬈懼埄鎮璁$畻浠ュ強鐢熸簮鍦板姪瀛﹁捶嬈捐繕嬈懼埄鎮璁$畻銆備笉鐭ラ亾璁$畻榪樻懼埄鎮鐨勫悓瀛︼紝鍙浠ユ寜鐓ф湰妗堜緥錛屽皢鑷宸辯殑璐鋒鵑噾棰濄佽繕嬈炬湡闄愩佽捶嬈懼埄鐜囩瓑宸茬煡鏉′歡濂楀叆璇ヨ$畻鍏寮忥紝鍒欏彲浠ユ竻妤氭竻綆楀嚭鍥藉跺姪瀛﹁捶嬈炬瘡騫村簲璇ュ伩榪樼殑鍒╂伅銆

鎷撳睍璧勬枡

鐢變簬鍥藉跺姪瀛﹁捶嬈懼埄鐜囬噰鐢ㄧ殑褰撳勾浜烘皯閾惰屽悓鏈熻捶嬈懼埄鐜囷紝涔熷氨鏄璇村傛灉浜烘皯閾惰屽叕甯冪殑鍚屾湡鍚屾。嬈¤捶嬈懼熀鍑嗗埄鐜囨湁鎵璋冩暣錛屽浗瀹跺姪瀛﹁捶嬈懼埄鐜囦篃浼氳窡鐫璋冩暣銆傞氬父鏉ヨ達紝璐鋒懼埄鐜囪嚜璐鋒懼彂鏀炬棩璧鋒瘡騫12鏈21鏃ヨ皟鏁翠竴嬈★紙鍏蜂綋浠ュ悎鍚屼負鍑嗭級銆傚浗瀹跺姪瀛﹁捶嬈懼埄鐜囦笉涓瀹氫細姣忓勾璋冩暣錛屽洜姝ゅぇ瀹朵篃涓嶇敤鎷呭績鍥藉跺姪瀛﹁捶嬈懼埄鐜囦細閫愬勾澧炲姞銆

璐鋒懼勾鍒╃巼浼氶殢鐫璐鋒劇殑騫撮檺鑰屽炲姞錛屼笉榪囧浗瀹跺姪瀛﹁捶嬈懼湪鏍℃湡闂村埄鎮鏄鐢辮儲鏀胯ˉ璐達紝鍙鏈夋瘯涓氫互鍚庢墠闇瑕佹敮浠樺埄鎮錛屽洜姝ゅ彲浠ヨ磋捶嬈炬湡闄愬傛灉浠呬粎涓哄湪鏍℃湡闂達紝閭d箞鍏嶆伅鐨勫浗瀹跺姪瀛﹁捶嬈炬棤鐤戞槸闈炲父鍒掔畻鐨勩

鍥藉跺姪瀛﹁捶嬈懼埄鎮澶氬皯錛

鏍規嵁鍥藉跺姪瀛﹁捶嬈炬斂絳栵紝鐢寵瘋ヨ捶嬈劇殑瀛︾敓鍦ㄦ牎姝e父瀛︿範鏈熼棿鏃犻渶鏀浠樺埄鎮錛岀敱鏀垮簻緇欎簣璧勫姪銆備絾鏄錛屼粠姣曚笟閭e勾鐨9鏈1鏃ヨ搗錛屼粬浠瑕佹壙鎷呰捶嬈懼埄鎮銆

鍥藉跺姪瀛﹁捶嬈懼埄鐜囨寜鐓т腑鍥戒漢姘戦摱琛屽叕甯冪殑娉曞畾璐鋒懼埄鐜囧拰鍥藉舵湁鍏沖埄鐜囨斂絳栨墽琛岋紝涓嶄笂嫻銆傜幇琛岃捶嬈懼勾鍒╃巼涓:1鑷3騫(鍚):5.76%錛涗笁騫磋嚦浜斿勾(鍚):5.85%錛涗簲騫翠互涓:6.12%銆

鎹鎮夛紝鍥藉跺姪瀛﹁捶嬈鵑噰鐢ㄧ瘡璁¤℃伅鏂瑰紡錛屾寜瀹為檯澶╂暟鎸夊勾鏀跺彇鍒╂伅銆

緔璁″埄鎮娉曠殑鍏寮:鍒╂伅=緔璁″埄鎮脳鏃ュ埄鐜囥

鍏朵腑錛岀瘡璁″埄鎮縐=璐︽埛鏃ユ諱綑棰濄

璧鋒伅鏃ヤ負寮鍙戦摱琛屽彂鏀捐捶嬈劇殑鏃ユ湡錛岀粨鎮鏃ヤ負姣忓勾鐨12鏈20鏃(璐鋒炬渶鍚庝竴騫寸殑緇撴伅鏃ヤ負9鏈20鏃)銆

灞曞紑鏁版嵁

鐢熸簮鍦頒俊鐢ㄨ捶嬈懼埄鐜囦負涓鍥戒漢姘戦摱琛屽悓鏈熷叕甯冪殑鍚屾。嬈″熀鍑嗗埄鐜囷紝涓嶄笂嫻銆傚︾敓鍦ㄦ牎鏈熼棿鐨勫埄鎮鐢辮儲鏀垮叏棰濊ˉ璐達紝姣曚笟鍚庣殑鍒╂伅鐢卞︾敓鍜屽墮暱(鎴栧叾浠栨硶瀹氱洃鎶や漢)鍏卞悓鎵挎媴銆

鍥藉跺姪瀛﹁捶嬈懼埄鎮

1.鍥藉跺紑鍙戦摱琛屽姪瀛﹁捶嬈懼埄鎮

涓銆佸浗瀹跺紑鍙戦摱琛屽姪瀛﹁捶嬈懼埄鎮鍒嗕負浠ヤ笅涓ょ嶆儏鍐:

1.鍏嶆伅鍥藉跺紑鍙戦摱琛屽姪瀛﹁捶嬈懼湪鏍℃湡闂村埄鎮鐢卞浗瀹舵壙鎷咃紝鍗沖湪鏍℃湡闂翠笉闇瑕佽℃伅銆

2.紱繪牎鍚庤禋鍙栧埄鎮銆傛瘯涓氬悗涓嬈℃ц繕嬈懼厤鎮錛岄渶瑕佸垎鏈熻繕嬈俱傜敓婧愬湴鍔╁﹁捶嬈劇殑鏈闀胯繕嬈炬湡姣斿浗瀹跺姪瀛﹁捶嬈劇殑鏈闀胯繕嬈炬湡闀褲傝寸櫧浜嗗氨鏄鏈鎮鎬婚濇瘮鐢熸簮鍦拌捶嬈懼ぇ錛屽鉤鏃惰繕嬈懼帇鍔涙瘮鍥藉跺姪瀛﹁捶嬈鵑噸銆

鐢熸簮鍦頒俊鐢ㄥ姪瀛﹁捶嬈炬槸鎸囧浗瀹跺紑鍙戦摱琛屽悜絎﹀悎鏉′歡鐨勯珮鏍℃柊鐢熷拰瀹跺涵緇忔祹鍥伴毦瀛︾敓鍙戞斁錛岀敱瀛︾敓鍏ュ﹀墠鎴風睄鎵鍦ㄥ幙(甯傘佸尯)鍔炵悊鐨勫姪瀛﹁捶嬈俱

璧勯噾涓昏佺敤浜庡︾敓鍦ㄦ牎鏈熼棿鏀浠樺﹁垂鍜屼綇瀹胯垂銆傜敓婧愬湴淇$敤鍔╁﹁捶嬈炬槸鍥藉跺姪瀛﹁捶嬈劇殑閲嶈佺粍鎴愰儴鍒嗐

浜屻佸浗瀹跺紑鍙戦摱琛屽姪瀛﹁捶嬈懼埄鎮璁$畻鏂規硶:

鍏涓鏈(鍚)浠ュ唴鐨勮捶嬈撅紝騫村埄鐜(%)涓5.10

鍗婂勾鑷充竴騫(鍚涓騫)鐨勮捶嬈撅紝騫村埄鐜(%)涓5.10

涓鑷充笁騫(鍚涓夊勾)鐨勮捶嬈撅紝騫村埄鐜(%)涓5.50銆

涓夊勾鑷充簲騫(鍚浜斿勾)鐨勮捶嬈撅紝騫村埄鐜(%)涓5.50%銆

浜斿勾鏈熶互涓婄殑璐鋒撅紝騫村埄鐜(%)涓5.65%銆

2.榪欐墍澶у︾殑瀛︾敓璧勫姪鏀跨瓥

鍝浜涘︾敓鍙浠ュ湪鏍″唴鐢寵峰浗瀹跺姪瀛﹁捶嬈撅紵

瀹跺涵緇忔祹鍥伴毦鐨勫叏鏃ュ埗鍦ㄦ牎澶у︾敓(鍚楂樿亴瀛︾敓)銆佺浜屽﹀+瀛︿綅瀛︾敓銆佺爺絀剁敓錛屽彲閫氳繃鎴戞牎瀛︾敓璧勫姪閮ㄩ棬鍚戠粡鍔為摱琛岀敵璇鋒牎鍐呭浗瀹跺姪瀛﹁捶嬈俱

涓涓瀛︾敓姣忓﹀勾鍙浠ュ湪鏍″唴鐢寵峰氬皯鍥藉跺姪瀛﹁捶嬈撅紵

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