{"id":5621,"date":"2009-10-09T03:58:19","date_gmt":"2009-10-09T03:58:19","guid":{"rendered":"http:\/\/pas.prwebnz.a2hosted.com\/?p=5621"},"modified":"2021-01-27T04:00:44","modified_gmt":"2021-01-27T04:00:44","slug":"xue-sheng-dai-kuan-zhi-mian-xi-tiao-jian","status":"publish","type":"post","link":"http:\/\/pas.prwebnz.a2hosted.com\/zh-hans\/bo-ke\/xue-sheng-dai-kuan-zhi-mian-xi-tiao-jian","title":{"rendered":"\u5b66\u751f\u8d37\u6b3e\u4e4b\u514d\u606f\u6761\u4ef6"},"content":{"rendered":"<p style=\"font-weight: 400;\">\u65b0\u897f\u5170\u662f\u4e16\u754c\u4e0a\u516c\u8ba4\u798f\u5229\u6700\u597d\u7684\u51e0\u4e2a\u56fd\u5bb6\u4e4b\u4e00\uff0c\u653f\u5e9c\u9488\u5bf9\u4e0d\u540c\u4eba\u7fa4\u7684\u9700\u8981\u800c\u5236\u5b9a\u4e86\u4e00\u7cfb\u5217\u7684\u798f\u5229\u653f\u7b56\u3002\u5b66\u751f\u8d37\u6b3e\u5c31\u662f\u5176\u4e2d\u4e00\u9879\u9488\u5bf9\u5b66\u751f\u4eba\u7fa4\u7684\u4f18\u60e0\u653f\u7b56\u3002\u5b66\u751f\u8d37\u6b3e\u7684\u4e3b\u8981\u76ee\u7684\u662f\u4e3a\u4e86\u5e2e\u52a9\u90a3\u4e9b\u60f3\u8bfb\u4e66\uff0c\u5374\u6ca1\u6709\u8db3\u591f\u7ecf\u6d4e\u652f\u6301\u7684\u5b66\u751f\u6765\u5b8c\u6210\u5b66\u4e1a\u3002\u7ec6\u5fc3\u7684\u8bfb\u8005\u4e00\u5b9a\u90fd\u8fd8\u8bb0\u5f97\uff0c\u5728\u6211\u4eec\u4e4b\u524d\u7684\u6587\u7ae0\u4e2d\uff0c\u5df2\u7ecf\u5411\u5927\u5bb6\u4ecb\u7ecd\u8fc7\u5982\u4f55\u7533\u8bf7\u548c\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u3002\u5728\u672c\u671f\u7684\u6587\u7ae0\u4e2d\uff0c\u6211\u4eec\u5c06\u4f1a\u5927\u5bb6\u4ecb\u7ecd\u4e00\u4e9b\u53ef\u80fd\u4f60\u5e76\u4e0d\u77e5\u9053\u7684\u6709\u5173\u5b66\u751f\u8d37\u6b3e\u7684\u89c4\u5b9a\u3002\u4f34\u968f\u7740\u5931\u4e1a\u7387\u7684\u8282\u8282\u6500\u5347\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u4eba\u9009\u62e9\u91cd\u8fd4\u6821\u56ed\u5145\u7535\u6765\u5e94\u5bf9\u8fd9\u573a\u91d1\u878d\u6d77\u5578\u3002\u5411\u653f\u5e9c\u7533\u8bf7\u5b66\u751f\u8d37\u6b3e\u6210\u4e86\u8fd9\u4e9b\u4eba\u7684\u9996\u8981\u9009\u62e9\uff0c\u5176\u4e2d\u4e00\u4e2a\u5f88\u91cd\u8981\u7684\u539f\u56e0\u5c31\u662f\u8d37\u6b3e\u4eba\u4e0d\u518d\u9700\u8981\u652f\u4ed8\u5229\u606f\u4e86\u3002\u4f46\u4f60\u77e5\u9053\u5417\uff0c\u5176\u5b9e\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u5e76\u4e0d\u662f\u4eba\u4eba\u90fd\u9002\u7528\u7684\u3002\u5982\u679c\u4f60\u66fe\u7ecf\u51fa\u56fd\u65c5\u884c\u6216\u662f\u5728\u6d77\u5916\u5c45\u4f4f\u8fc7\u4e00\u6bb5\u65f6\u95f4\uff0c\u90a3\u4e48\u4f60\u53ef\u80fd\u5df2\u7ecf\u4e0d\u7b26\u5408\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u7684\u6761\u4ef6\u4e86\u3002<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\u8bf4\u5230\u8fd9\u91cc\uff0c\u6709\u4e9b\u670b\u53cb\u53ef\u80fd\u4f1a\u89c9\u5f97\u662f\u4e0d\u662f\u7533\u8bf7\u4e86\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u5c31\u4e0d\u80fd\u518d\u53bb\u5176\u4ed6\u5730\u65b9\u4e86\uff0c\u54ea\u6015\u53ea\u662f\u77ed\u671f\u7684\u65c5\u6e38\u3002\u5176\u5b9e\u4e0d\u7136\uff0c\u6839\u636e\u56fd\u7a0e\u5c40\u7684\u89c4\u5b9a\uff0c\u53ea\u8981\u501f\u6b3e\u4eba\u5728\u8fdb\u884c\u77ed\u671f\u6d77\u5916\u65c5\u884c(Short trip overseas \u2013 up to 6 months)\u4e4b\u524d\u5df2\u7ecf\u5728\u7ebd\u897f\u5170\u5883\u5185\u5c45\u4f4f\u6ee1183\u5929(\u7ea66\u4e2a\u6708)\u6216\u66f4\u591a\uff0c\u90a3\u4e48\u501f\u6b3e\u4eba\u7684\u5b66\u751f\u8d37\u6b3e\u4ecd\u65e7\u4fdd\u6301\u514d\u606f\u3000(As long as you\u2019ve been in New Zealand for 6 months \u2013 183 days or more before going overseas, your student loan will remain interest-free)\u3002\u8981\u63d0\u9192\u5927\u5bb6\u7684\u662f\uff0c\u8fd9\u91cc\u6240\u6307\u7684\u5c45\u4f4f\u6ee16\u4e2a\u6708\u5fc5\u987b\u662f\u5728\u4e00\u4e2a\u5b8c\u6574\u7684\u8d22\u653f\u5e74\u5ea6\u4e4b\u5185\u3002\u5982\u679c\u501f\u6b3e\u4eba\u5728\u77ed\u671f\u6d77\u5916\u65c5\u884c\u671f\u95f4\u6709\u4efb\u4f55\u6536\u5165\uff0c\u9700\u8981\u5728\u8d22\u653f\u5e74\u5ea6\u7ed3\u675f\u7684\u65f6\u5019\u5411\u56fd\u7a0e\u5c40\u5982\u5b9e\u7533\u62a5(If you earn any money while you\u2019re overseas you\u2019ll need to let us know after the end of the tax year 31 March)\u3002\u7531\u4e8e\u662f\u77ed\u671f\u6d77\u5916\u65c5\u884c\uff0c\u501f\u6b3e\u4eba\u4ecd\u65e7\u4f1a\u88ab\u89c6\u4e3a\u662f\u7ebd\u897f\u5170\u672c\u5730\u7684\u501f\u6b3e\u4eba\u3002\u56e0\u6b64\u501f\u6b3e\u4eba\u7684\u8fd8\u6b3e\u662f\u5728\u4e2a\u4eba\u5168\u7403\u6536\u5165\u7684\u57fa\u7840\u4e0a\u6765\u52a0\u4ee5\u8ba1\u7b97\u7684(This is because you\u2019re still considered to be a New Zealand-based borrower and you\u2019ll still need to make repayments based on your worldwide income)\u00a0\u3002\u6839\u636e\u56fd\u7a0e\u5c40\u7684\u89c4\u5b9a\uff0c\u5f53\u501f\u6b3e\u4eba\u7684\u5e74\u6536\u5165\u8d85\u8fc7\u4e00\u5b9a\u7684\u91d1\u989d\u7684\u65f6\u5019\uff0c\u65e0\u8bba\u4f60\u662f\u5426\u8fd8\u5728\u5b66\u4e60\u3002\u90fd\u5c06\u4f1a\u88ab\u8981\u6c42\u5f00\u59cb\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u3002\u4ece2009\u5e744\u67081\u65e5\u8d77\uff0c\u501f\u6b3e\u4eba\u88ab\u8981\u6c42\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u95e8\u69db\u63d0\u9ad8\u81f3$19084(\u7a0e\u524d)\u00a0\uff0c\u4e5f\u5c31\u662f$367\u6bcf\u5468\u00a0(\u7a0e\u524d)\u00a0\u76f4\u81f32010\u5e743\u670831\u65e5\uff08The threshold for repaying your student loan is an annual income of over $19084 for the April 2009 to 31 March 2010 tax year\uff09\u3002\u5728\u6b64\u671f\u95f4\uff0c\u5982\u679c\u501f\u6b3e\u4eba\u7684\u6bcf\u5468\u6536\u5165\u5076\u5c14\u8d85\u8fc7$367(\u7a0e\u524d)\uff0c\u4f46\u5168\u5e74\u603b\u6536\u5165\u5e76\u6ca1\u6709\u8d85\u8fc7$19084(\u7a0e\u524d)\u7684\u507f\u8fd8\u95e8\u69db\u3002\u90a3\u4e48\u501f\u6b3e\u4eba\u4e0d\u4f1a\u88ab\u8981\u6c42\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\uff0c\u4f46\u662f\u4f60\u4e5f\u53ef\u4ee5\u9009\u62e9\u81ea\u613f\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\uff0c\u5177\u4f53\u7684\u65b9\u6cd5\u5728\u6211\u4eec\u4e4b\u524d\u7684\u6587\u7ae0\u4e2d\u5df2\u7ecf\u6709\u8fc7\u4ecb\u7ecd\u3002\u5728\u6574\u4e2a\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u7684\u8fc7\u7a0b\u4e2d\uff0c\u501f\u6b3e\u4eba\u4ecd\u7136\u53ef\u4eab\u53d7\u514d\u606f\u7684\u4f18\u60e0\u653f\u7b56\u3002<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\u5f53\u7136\u8fd8\u6709\u53e6\u5916\u4e00\u79cd\u60c5\u51b5\u5c31\u662f\u501f\u6b3e\u4eba\u5728\u8fdb\u4fee\u6216\u5b8c\u6210\u5b66\u4e1a\u4e4b\u540e\uff0c\u53ef\u80fd\u6253\u7b97\u79bb\u5f00\u7ebd\u897f\u5170\u4e00\u6bb5\u76f8\u5f53\u957f\u7684\u65f6\u95f4\u3002\u90a3\u4e48\u8fd9\u4e2a\u65f6\u5019\uff0c\u501f\u6b3e\u4eba\u5c31\u5fc5\u987b\u8981\u8003\u8651\u6e05\u695a\u4e86\u3002\u56e0\u4e3a\u5982\u679c\u501f\u6b3e\u4eba\u79bb\u5f00\u7ebd\u897f\u5170\u00a0184\u5929\uff08\u7ea66\u4e2a\u6708)\u00a0\u6216\u4ee5\u4e0a\uff0c\u90a3\u4e48\u5c31\u4f1a\u7ed9\u56fd\u7a0e\u5c40\u8ba4\u5b9a\u4e3a\u662f\u8fdb\u884c\u957f\u671f\u65c5\u884c\u00a0(Long trip &#8211; 6 month or more)\u00a0\u3002\u800c\u957f\u671f\u65c5\u884c\u662f\u4e0d\u7b26\u5408\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u7684\u8981\u6c42\u7684\uff0c\u4e5f\u5c31\u662f\u8bf4\u501f\u6b3e\u4eba\u4f1a\u88ab\u56fd\u7a0e\u5c40\u8981\u6c42\u652f\u4ed8\u5b66\u751f\u8d37\u6b3e\u7684\u5229\u606f\u3002\u5229\u606f\u5c06\u4ece\u4f60\u79bb\u5f00\u7ebd\u897f\u5170\u540e\u7684\u90a3\u5929\u5f00\u59cb\u8ba1\u7b97\uff0c\u4e14\u4e0d\u4f1a\u5728\u8d22\u653f\u5e74\u5ea6\u7ed3\u675f\u65f6\u88ab\u6ce8\u9500\u00a0(Interest will be applied to your student loan from the day after you leave, and won\u2019t be written off)\u3002\u73b0\u884c\u9488\u5bf92010\u5e74\u8d22\u653f\u5e74\u5ea6\u7684\u5b66\u751f\u8d37\u6b3e\u5229\u7387\u662f6.8% (The current interest rate for the 2010 tax year is 6.8%)\u00a0\u3002\u5982\u6709\u9700\u8981\uff0c\u4f60\u4e5f\u53ef\u4ee5\u901a\u8fc7\u6d4f\u89c8\u56fd\u7a0e\u5c40\u7684\u7f51\u7ad9\uff0c\u6765\u67e5\u8be2\u8fc7\u5f80\u8d22\u653f\u5e74\u5ea6\u7684\u5b66\u751f\u8d37\u6b3e\u5229\u7387\u3002\u501f\u6b3e\u4eba\u5982\u679c\u5728\u5728\u7ebd\u897f\u5170\u5883\u5916\u5c45\u4f4f\u6216\u65c5\u884c183\u5929\uff08\u7ea66\u4e2a\u6708\uff09\u6216\u66f4\u591a\u65f6\u95f4\uff0c\u53ef\u5411\u56fd\u7a0e\u5c40\u7533\u8bf7\u6700\u591a\u957f\u8fbe3\u5e74\u7684\u8fd8\u6b3e\u5047\u671f\u00a0(Repayment holiday)\u00a0\u3002\u5728\u8fd8\u6b3e\u5047\u671f\u5185\uff0c\u501f\u6b3e\u4eba\u4e0d\u9700\u8981\u507f\u8fd8\u4efb\u4f55\u5b66\u751f\u8d37\u6b3e\u3002\u8fd9\u91cc\u8981\u63d0\u9192\u5927\u5bb6\u7684\u662f\uff0c\u5373\u4fbf\u501f\u6b3e\u4eba\u7533\u8bf7\u4e86\u8fd8\u6b3e\u5047\u671f\uff0c\u4f46\u6709\u5173\u5b66\u751f\u8d37\u6b3e\u7684\u5229\u606f\u4ecd\u65e7\u5728\u8ba1\u7b97\u3002\u4e5f\u5c31\u662f\u8bf4\u65e5\u540e\u4e00\u65e6\u8fd8\u6b3e\u5047\u671f\u7ed3\u675f\uff0c\u501f\u6b3e\u4eba\u5c31\u8981\u5f00\u59cb\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u3002\u4e14\u5728\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u7684\u540c\u65f6\uff0c\u8fd8\u9700\u8981\u652f\u4ed8\u4e00\u5b9a\u7684\u5229\u606f\u7ed9\u56fd\u7a0e\u5c40\u00a0(Repayment holidays don\u2019t stop interest on your loan though)\u3002\u5f53\u501f\u6b3e\u4eba\u8fd4\u56de\u7ebd\u897f\u5170\u540e\u8fd8\u6b3e\u5047\u671f\u4fbf\u4f1a\u7ed3\u675f\uff0c\u4f46\u501f\u6b3e\u4eba\u53ef\u9009\u62e9\u4efb\u610f\u65f6\u95f4\u518d\u6b21\u51fa\u56fd\uff0c\u6709\u6548\u671f\u53ef\u957f\u8fbe\u4e09\u5e74\u00a0(You repayment holiday finishes when you arrive back in New Zealand. You can pick it up again any time you go overseas, up to a total of 3 years)\u3002\u4ece2007\u5e744\u67081\u65e5\u5f00\u59cb\uff0c\u501f\u6b3e\u4eba\u5728\u79bb\u5f00\u7ebd\u897f\u5170\u540e\u7684\u7b2c\u4e00\u5929\u4fbf\u4f1a\u81ea\u52a8\u8f6c\u6210\u8fd8\u6b3e\u5047\u671f\u00a0(If you moved overseas from 1 April 2007, you\u2019ll automatically get a repayment holiday from the day after you leave New Zealand)\u3002\u5982\u679c\u501f\u6b3e\u4eba\u6ca1\u6709\u7533\u8bf7\u6216\u662f\u5728\u8fd8\u6b3e\u5047\u671f\u7ed3\u675f\u65f6\uff0c\u4ecd\u65e7\u8eab\u5904\u7ebd\u897f\u5170\u5883\u5916\uff0c\u90a3\u4e48\u5c31\u9700\u8981\u6bcf\u5e74\u5206\u4e24\u6b21\u6765\u507f\u8fd8\u4f60\u7684\u5b66\u751f\u8d37\u6b3e\u3002\u5177\u4f53\u7684\u507f\u8fd8\u65f6\u95f4\u5206\u522b\u662f\u6bcf\u5e74\u76849\u670830\u65e5\u548c3\u670831\u65e5\uff0c\u5177\u4f53\u7684\u8fd8\u6b3e\u91d1\u989d\u5219\u662f\u6839\u636e\u4f60\u7684\u5b66\u751f\u8d37\u6b3e\u4f59\u989d\u6765\u8ba1\u7b97\u7684\u00a0(These will be based on the size of your loan balance and will be due in 2 equal installments on 30 September and 31 March)\u00a0\u3002<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\u4e00\u822c\u6765\u8bf4\uff0c\u5f53\u4f60\u79bb\u5f00\u7ebd\u897f\u5170\u8d85\u8fc7184\u5929\uff08\u7ea66\u4e2a\u6708\uff09\u6216\u5728183\u5929\u7684\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u7b26\u5408\u8d44\u683c\u671f\u5185\u6709\u8d85\u8fc731\u5929\u7684\u79bb\u5883\uff0c\u4fbf\u4e0d\u518d\u4eab\u6709\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u7684\u8d44\u683c\u00a0(In most cases you\u2019ll no longer have an interest-free loan if you go overseas for longer than 6 months -184 days or for more than 31 days during your 183-\u00a0\u00a0day qualifying period)\u3002\u4f46\u5929\u6709\u4e0d\u6d4b\u98ce\u4e91\uff0c\u4eba\u6709\u65e6\u5915\u7978\u798f\u3002\u6709\u65f6\u96be\u514d\u4f1a\u9047\u5230\u4e00\u4e9b\u610f\u60f3\u4e0d\u5230\u7684\u4e8b\u60c5\u53d1\u751f\uff0c\u4ece\u800c\u5f71\u54cd\u5230\u514d\u606f\u5b66\u751f\u8d37\u6b3e\u7684\u8d44\u683c\u8ba4\u5b9a\u3002\u56fd\u7a0e\u5c40\u663e\u7136\u4e5f\u6ce8\u610f\u5230\u4e86\u8fd9\u4e00\u70b9\uff0c\u6240\u4ee5\u5217\u51fa\u4e86\u4ee5\u4e0b\u51e0\u79cd\u60c5\u51b5\u3002\u5f53\u4ee5\u4e0b\u6240\u5217\u51fa\u7684\u60c5\u51b5\u53d1\u751f\u65f6\uff0c\u4f60\u4ecd\u7136\u6709\u8d44\u683c\u83b7\u5f97\u514d\u606f\u5b66\u751f\u8d37\u6b3e\uff1a<\/p>\n<ul>\n<li style=\"font-weight: 400;\">\u56e0\u610f\u5916\u800c\u5ef6\u8fdf\u8fd4\u56de\u7ebd\u897f\u5170\u00a0(Unexpected delay returning to New Zealand)<\/li>\n<li style=\"font-weight: 400;\">\u975e\u8ba1\u5212\u4e4b\u5185\u7684\u7f3a\u5e2d\u00a0(Unplanned absence)<\/li>\n<li style=\"font-weight: 400;\">\u5728\u6d77\u5916\u5c31\u8bfb\u5168\u65e5\u5236\u672c\u79d1\u6216\u7814\u7a76\u751f\u8bfe\u7a0b\u00a0(Studying full-time at undergraduate or postgraduate level overseas)<\/li>\n<li style=\"font-weight: 400;\">\u5728\u6d77\u5916\u4e3a\u7ebd\u897f\u5170\u653f\u5e9c\u5de5\u4f5c\u00a0(Working overseas for the New Zealand Government)<\/li>\n<li style=\"font-weight: 400;\">\u4e3a\u7ebd\u897f\u5170\u7684\u6d77\u5916\u516c\u53f8\u5de5\u4f5c\u00a0(Working for a New Zealand company overseas)<\/li>\n<li style=\"font-weight: 400;\">\u62c5\u4efb\u7ebd\u897f\u5170\u5883\u5916\u7684\u4e49\u5de5\u00a0(Working as a volunteer overseas)<\/li>\n<li style=\"font-weight: 400;\">\u966a\u4f34\u81ea\u5df1\u7684\u4f34\u4fa3\u53bb\u6d77\u5916\u00a0(Accompanying your partner overseas)<\/li>\n<li style=\"font-weight: 400;\">\u7533\u8bf7\u514d\u606f\u8d37\u6b3e\u00a0(Applying for an interest-free loan)<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">(\u672c\u6587\u4ec5\u4f9b\u53c2\u8003\uff0c\u64b0\u7a3f\u5355\u4f4d\u6216\u64b0\u7a3f\u4eba\u5bf9\u56e0\u91c7\u7528\u672c\u6587\u800c\u9020\u6210\u7684\u4e00\u5207\u540e\u679c\u4e0d\u8d1f\u4efb\u4f55\u6cd5\u5f8b\u8d23\u4efb\uff0c\u8bfb\u8005\u5728\u505a\u4efb\u4f55\u51b3\u5b9a\u4e4b\u524d\u9700\u5f81\u6c42\u4e13\u4e1a\u4eba\u58eb\u7684\u5efa\u8bae\u3002)<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7ad9\u5185\u6587\u7ae0\u7248\u6743\u4e13\u5c5ePAS\u4f1a\u8ba1\u884c\u53ca\u672c\u7f51\u7ad9\uff0c\u672a\u7ecf\u4e66\u9762\u540c\u610f\uff0c\u4efb\u4f55\u4eba\u53ca\u673a\u6784\u4e0d\u5f97\u6284\u88ad\u548c\u8f6c\u8f7d\uff01\u8fdd\u8005\u5c06\u8d1f\u5168\u90e8\u6cd5\u5f8b\u8d23\u4efb\uff01\u8c22\u8c22\u5408\u4f5c\uff01<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u65b0\u897f\u5170\u662f\u4e16\u754c\u4e0a\u516c\u8ba4\u798f\u5229\u6700\u597d\u7684\u51e0\u4e2a\u56fd\u5bb6\u4e4b\u4e00\uff0c\u653f\u5e9c\u9488\u5bf9\u4e0d\u540c\u4eba\u7fa4\u7684\u9700\u8981\u800c\u5236\u5b9a\u4e86\u4e00\u7cfb\u5217\u7684\u798f\u5229\u653f\u7b56\u3002\u5b66\u751f\u8d37\u6b3e\u5c31\u662f\u5176\u4e2d\u4e00\u9879 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[228,268,231],"tags":[],"jetpack_featured_media_url":"","yoast_head":"<!-- This site is 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