请教学生贷款的问题--更新了。。。。。

wwan

前年读书的时候申请了学生贷款，不过是一边读书一边工作。 所以每个月的都有还。
去年出了个10%的bonus，就一次给多付了8500。 可是 因为我读SUMMER, 学生贷款没有从STUDY LInk转到IRD, 所以IRD的账户是很多CREDIT， study link却欠很多。
今年还是继续还，可是IRD 说10% 的bouns是从转过来以后，剩下的BALANCE 才算10%。可是转过来以后，CREDIT都可以抵完了，是不是我就没有10%了啊？那岂不是连利息都没有？
那我能不能都取出来，然后等转过来以后在付？ 理论上来讲是不是可行啊？
高手指点下。。。。

Thank you for your email regarding your Student Loan. I have contactedStudy link who have advised that you have taken out 2 separate loanswhich are both due to transfer over to us this month.
The amounts of these loans are as follows:
Loan 1: Capital - $9,188.50, Interest - $1,016.09
Loan 2: Capital - $3,725.50, Interest - $198.95
Aslong as you remain a Resident of New Zealand these interest figureswill be written off. This will leave a capital total balance of$12,914.00.
As at today's date the credit in your Student Loanaccount is $12576.12. The amount needed to pay your loan off in full is$337.88.
To be eligible for a Voluntary Repayment Bonus you wouldhave needed to wait until after 1 April 2011 to start making paymentstoward your loan. For more information regarding making repayments andthe Voluntary Repayment Bonus see our website www.ird.govt.nz.



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昨天收到了IRD 的回复，原来提前多还的是没有BONUS的，一万块就白在IRD放了一年。。

Thank you for your email recently received enquiring about your eligibility to the Voluntary Repayment Bonus.
To receive a voluntary repayment bonus you must meet all of these conditions:
Your loan balance held by Inland Revenue must be $550 or more at the beginning of the tax year (1st April 2009).As your loan balance was $0.00 you do not qualify for a Bonus.
You must be up to date with your repayment obligations and have filed all required tax returns.
You must be using the correct tax code (if earning salary or wages).
You must have made voluntary repayments for the tax year totalling $500 or more - over and above your repayment obligation.
For more information you can visit our website www.ird.govt.nz/studentloans/pay ... epayment-bonus.html

中国自卑党主席

挖槽，太复杂了，没有借过钱。
不如办几张信用卡刷卡套现填亏空算了{:8_388:}

wwan

没有人给 意见？

美金

我跟lz有一样的疑问，LOAN还没有转到IRD那里，不知道怎么可以申请到那个REPAYMENT BONUS

wwan

可能提前还的都没资格？
有没有人解答下啊。。。

qqphone

打电话去，study link的人会和你算的，然后让你网上转钱去。
原来想把loan payoff的，不小心又花掉了，唉，慢慢还吧。

wwan

今天收到回复了，原来提前还是没有BOUNS，一万块一年的利息没有了。。。。。。

LightHunter

那到底怎样才能用REPAYMENT BONUS？

wwan

更新了，跟大家分享下。。。。

彩虹的那边

they will pay you interest if your loan is not transferred to IRD. But interest will not be as good as you can get from bank though LOL