Joint notice of the four departments of Hebei!

In order to help the family's economic difficulties to relieve employment pressure and support the employment service of college graduates, recently, the Provincial Department of Finance, the Provincial Department of Education, the Shijiazhuang Center Sub -branch of the People's Bank of China, and the four departments of the Hebei Supervision Bureau of the China Banking Regulatory Commission jointly issued the " Regarding the notice of paying interest -free and repayment of principal repayment of national student loans in 2022 ", students who graduated from 2022 and previous year, and the principal or interest students who repay the principal or interest within 2022 can enjoy the exemption interest and the book. Gold Express the repayment policy. The graduates who have settled a national student loan before the issuance of the "Notice" are not within the scope of the policy funding.

The "Notice" states that this time is exempted from the national student loan interest that should be repaid within 2022. The loan students do not need to apply, and the undertaking bank is directly handled. For new graduates of loan students in 2022, it is exempted from the interest of personal response to individuals after graduating from the repayment period. For loan students who have graduated in the previous year, the interest of the national student loan that should be copied within 2022, and the penalty of overdue loans of previous year's overdue loans within 2022.

If you have graduated from the previous year, if you have repaid the interest of 2022 before the "Notice" is issued, it is divided into two cases to deal with this time. First, if the bank does not perform the deduction operation, the corresponding funds will not be deducted, and the loan students will be used by themselves; the second is that if the bank has completed the deduction operation, the undertaking bank will return the deducted interest to the exempting interest to return the reputable interest to the personal account. Essence

The funds required for interest -free funds are paid from the state -aid loan risk compensation funds that have been allocated to the undertaking bank. The insufficient part of the national student loan discount policy is arranged separately by finances at all levels. All undertaking banks shall strictly follow the relevant regulations of the use of credit aid loan risk compensation for the use of students.

Lending students who are in a loan repayment period, after their own application, can extend the loan principal of 2022 for one year. The delay of the loan is not counted and compounded, and the longest loan period policy remains unchanged. If I have not submitted the application, the loan principal is repaid according to the original contract. Prior to the issuance of the "Notice", the principal of the loan students partially repaid or all repaid, and it is not allowed to apply for extension repayment.

From the occurrence of new coronary pneumonia epidemic to the end of 2022, loan students have affected reasons due to the affected by the epidemic, such as infection or isolation or isolation of new coronary pneumonia, isolation or observation of epidemic prevention, participation in the epidemic prevention and control, and the influence of the epidemic. For the money, you can apply to the undertaking bank and submit relevant certification materials such as personal commitments in accordance with the provisions of the undertaking bank; after the banks perform the corresponding review procedures, the relevant overdue loan will not be submitted. If the overdue records that have been submitted are in accordance with the "Notice", the bank is adjusted according to the relevant procedures after the bank is approved.

Source | Hebei Daily

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