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标题: 啥时要开始还政府学生贷款？ [打印本页]

作者: 闲云野鹤 时间: 2021-3-1 14:20
标题: 啥时要开始还政府学生贷款？
本帖最后由闲云野鹤于 2021-3-1 15:10 编辑

大学学生政府货款在上学期间不用还，但是当“不是学生”时就要开始还钱：包括毕业丶辍学丶肄业和休学，总之就是“离开学校”。

政府考虑学生初离开学校时的财务状况，给与首6月免还款的宽限，称为6个月免偿期（six month non-repayment period，partial exemption period），但利息在大学毕业那一天就已启动并累计，免还款的概念只是不必每月掏钱，也没有拖欠罚则。在这六个月期间你可以有以下选择：

Wait six months and add the interest to the loan principal	1.	Await the expiry of the six-month period following the termination of your full-time studies, then conclude a repayment agreement with your financial institution. The interest that accrues during that six-month period will be capitalized, that is, it will be added to the loan principal. After that period, you must begin
Repay the principal and the interest	2.	Immediately conclude a repayment agreement and begin repaying the loan principal and interest. If you have the financial capacity to do so, you will pay less interest and finish repaying your debt earlier.
Repay the interest only	3.	Repay only the interest each month during the next six months. You will not accumulate interest and the amount of your debt will remain unchanged. After that period, you will have to begin repaying the loan principal and interest.

但不管选择什么，都要开始与银行洽谈还款计划，在宽限期结束前确定还款计划，否则时间一到，政府就会从你的银行帐户中开始扣款。

如果你没有选择，那OPTION1 就是默认选择。

https://www.quebec.ca/en/education/student-financial-assistance/repayment/repayment-student-debt/

六个月内：

还款计划与利率

就跟其他贷款一样，可以选固定利率或浮动利率。

浮动利率是PRIME+0.5%， PRIME今天2.45%，这里是近几年的学生计划还款利率：

https://www.quebec.ca/en/education/student-financial-assistance/repayment/repayment-student-debt/interest-rate/

固定利率： Fixed interest rate

As soon as you conclude a variable interest rate repayment agreement and so long as there is a loan balance payable, you can demand that your interest rate correspond to the fixed mortgage rate offered by the financial institution for the term you have selected.

六个月后：浮动利率是PRIME+0.5%， PRIME今天2.45%

After the six-month period

After the six-month period, regardless of the option you selected, if you do not resume full-time studies, you must begin repaying your student debt (loan principal and interest).

Consult the variable interest rate applicable during the six-month option.

If you begin part-time studies, you must nevertheless start repaying the loan for full-time studies, even if you receive a loan under the Loans Program for Part-Time Studies.

Tax Credit

From the time you begin repaying your student debt until the time it is fully repaid, you receive a tax break. The governments of Québec and Canada grant you a non-refundable tax credit on the interest paid on your student loan. Each year, your financial institution will send you proof of payment of that interest. You must include that document with your income tax return.

付给学生贷款的利息可以报税，享受15%的 tax credit,这个是non-refundable tax credit ，跟收入无关。

non-refundable tax credit 的解释：

https://51montreal.com/forum.php?mod=viewthread&tid=180&extra=page%3D3

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