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旧 Apr 14th, 2006, 21:06     #1
树懒
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我有一年给贷了23k,免了13k。贷的时候没想那么多,后来发现真的给免了。真是感谢政府,感谢人民啊。

白天迷糊,晚上睡不着
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旧 Apr 15th, 2006, 09:48     #2
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作者: 求教
是老黄历吧,是在安省吗?
安省03-04年.没啥好羡慕的,穷的要死,才能贷的多。
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旧 Apr 16th, 2006, 10:07     #3
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作者: China_Soul
请问树懒,这个免贷是什么时候给通知的,是不是毕业后?我今个月毕业了,还没收到这个免贷多少的信,急
我一共贷了两年:
02-03年的, 政府免贷的钱在Mar 27, 2004 入OSAP的帐
03-04年的, 政府免贷的钱在Dec 18, 2004 入OSAP的帐
贷款结束后,六个月就要开始还了.政府的钱是在8-11月的时候进来的,就是说在你开始还款之后才能见到.
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旧 Apr 16th, 2006, 11:43     #4
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作者: tiezi
也就是说想在毕业的那一天计息开始时把贷款全还掉是不现实的,因为还有一笔政府的免款额没拿到,楼主损失了最后一笔免款,是不是这样?
你不会损失免款的,如果全部还掉了,政府应该把免款直接寄给你. 如果不放心,建议打电话核实一下就可以了.
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旧 Apr 18th, 2006, 23:16     #5
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作者: China_Soul
请问,政府免贷款入OSAP帐前有没有寄送给你免贷的计划(例如分多少期共免多少之类的)的通知信?
这个很重要,收到这个通知后就可以立即把剩下的部分,加上算到你还款日利息的利息,加上算到政府还款日的利息还掉。
没有这样的通知信,借,还,免是几个互不通气的政府部门独立完成的。我觉得他们管理好几万个帐户,不会综合起来给你个总数,再寄信给你。
我当时接下来的一年还在读书,由于毕业时间没确定,就简单的办了个延期一年,没贷款。到期后,拖拖拉拉的付了两个月的利息。
我感觉你最好在学校里,找OSAP的人问一下。如果很快就还掉了,会不会影响政府返款?我的回答是不会。
保险点的办法是分两次还。先一笔把该自己付的部分全部或几乎全部还上,然后分期付款慢慢等。钱在你手里也还有点利息,你损失的只是利息差而已,不是非常多的。
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旧 Apr 18th, 2006, 23:37     #6
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作者: China_Soul
关键是没有这个通知,你怎么知道自己该还多少?还有,如果没有通知,你楼上所说“02-03年的, 政府免贷的钱在Mar 27, 2004 入OSAP的帐
03-04年的, 政府免贷的钱在Dec 18, 2004 入OSAP的帐
”,这个是怎么查到的?谢谢
OSAP的网站都有哇
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旧 Apr 21st, 2006, 20:12     #7
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作者: China_Soul
这个真的是每年结算的吗?我查到Gov't payments to reduce your debt load 从2004开始读书年到现在全部都是空的,我看了我全部条件都符合了,怎么回事?
也许就是慢.除去政府的部分,OSAP结余款大概是按照每两个学期8500块算的.如果你在这期间有收入,而且在填表时并不知道有这点外财.感觉上,政府会扣除这部分的.我当时意外的得到了2000块奖学金,后来政府返完款时,我的结余款就是10500.里外里和没得过完全一样 .
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旧 Apr 22nd, 2006, 10:59     #8
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作者: vawint
二手车可以吗?LEASE怎么算?是完全不给还是给得较少?
我申请时,有一个8000块的二手车,没啥影响。
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