May tinh HECS-HELP Uc
Tinh khoan tra HECS-HELP va uoc tinh so nam de tra het khoan vay sinh vien tai Uc.
Monthly HECS repayment
A$218.75
A$100.96 per fortnight
Repayment rate
3.5%
Annual repayment
A$2,625
Years to repay
~15 years
| Item | Amount |
|---|---|
| Original debt | A$30,000 |
| Total indexation (CPI) | +A$7,950 |
| Total repaid | A$37,950 |
Repayment schedule
| Year | Balance | Indexation | Repayment | Remaining |
|---|---|---|---|---|
| 1 | A$30,000 | +A$960 | -A$2,625 | A$28,335 |
| 2 | A$28,335 | +A$907 | -A$2,625 | A$26,617 |
| 3 | A$26,617 | +A$852 | -A$2,625 | A$24,843 |
| 4 | A$24,843 | +A$795 | -A$2,625 | A$23,013 |
| 5 | A$23,013 | +A$736 | -A$2,625 | A$21,125 |
| 6 | A$21,125 | +A$676 | -A$2,625 | A$19,176 |
| 7 | A$19,176 | +A$614 | -A$2,625 | A$17,164 |
| 8 | A$17,164 | +A$549 | -A$2,625 | A$15,089 |
| 9 | A$15,089 | +A$483 | -A$2,625 | A$12,947 |
| 10 | A$12,947 | +A$414 | -A$2,625 | A$10,736 |
| 11 | A$10,736 | +A$344 | -A$2,625 | A$8,454 |
| 12 | A$8,454 | +A$271 | -A$2,625 | A$6,100 |
| 13 | A$6,100 | +A$195 | -A$2,625 | A$3,670 |
| 14 | A$3,670 | +A$117 | -A$2,625 | A$1,163 |
| 15 | A$1,163 | +A$37 | -A$1,200 | A$0 |
May tinh HECS-HELP Uc
HECS-HELP la he thong cho vay sinh vien cua chinh phu Uc. Khong tinh lai nhung chi so hoa hang nam theo CPI. Tu dong hoan tra khi thu nhap vuot 54.435 A$.
Ty le hoan tra tu 1% (54.435-62.850 A$) den 10% (tren 159.663 A$), ap dung tren tong thu nhap.
Chi so hoa CPI (khoang 3,2%) ap dung vao ngay 1/6 hang nam. Co the tra tu nguyen bat cu luc nao, khong con giam gia tu 2017.
Câu hỏi thường gặp
HECS-HELP la gi?
HECS-HELP la chuong trinh cho vay sinh vien cua chinh phu Uc. Chinh phu tra hoc phi va sinh vien hoan tra qua he thong thue.
Khi nao bat dau tra HECS?
Khi thu nhap hang nam vuot qua 54.435 A$. Ty le bat dau tu 1% va tang dan den 10% cho thu nhap tren 159.663 A$.
No HECS co tinh lai khong?
Khong tinh lai nhung duoc chi so hoa hang nam theo CPI (hien khoang 3,2%). So du tang theo lam phat.
Co the tra tu nguyen khong?
Co. Co the tra tu nguyen cho ATO bat cu luc nao. Tu 2017 khong con giam gia cho tra truoc.