请教学生贷款事宜

[chineseteacher]

我是刚到加拿大几个月的新移民,想贷款到大学读研究生,请教申请贷款时有何注意事项?谢谢!

 

[街坊]

如果自己有足够的钱，未必需要申请贷款，因为利息很高

如果一定要申请，从中国带来的钱不要放在银行账户里，阁家里或开一个银行保险箱存放

 

[goodtime]

研究生有奖学金，各个学校不同。先去OSAP的网站和学样去看。08年的可能已经晚了。

 

[lindamy]

我是刚到加拿大几个月的新移民,想贷款到大学读研究生,请教申请贷款时有何注意事项?谢谢!

听说申请安省学生贷款，需要在安省居住一年以上。

 

[newer]

If you can get loan, do it since it is interest-free in your study time. Even when you pay it back after you start to work, the interest you will pay can be deducted from your income tax with some percent.

 

[kliu]

If you can get loan, do it since it is interest-free in your study time. Even when you pay it back after you start to work, the interest you will pay can be deducted from your income tax with some percent.

The interest rate from the student loan is very high though, like prime +2.5%. You can get prime -1% or even -2% if you get a personal line of credit from the bank. And be aware that they start calculating the interest right after you finish your study, so even the last summer holidays will cost you high interest.

 

[chineseteacher]

谢谢!

 

[coolwin]

通常工科学校的研究生都有资助,一般的行情是Master 1.6w , PhD ~2W. 只在导师收你,就说明这个老板已经有经费了.(除非特别说明没有资助). 而研究生通常都可申请到TA.
总之,只要入取了,就不用操心经济问题.
祝好运

 

[chineseteacher]

真是一个大好消息,希望它是真的!

 

[街坊]

Master1.6W？

够高的，俺前两年读书时一年撑死也只拿到1.6W的一半，还偷着乐！周围左右的，也没有听说Master谁能拿到那么多的。

通常工科学校的研究生都有资助,一般的行情是Master 1.6w , PhD ~2W. 只在导师收你,就说明这个老板已经有经费了.(除非特别说明没有资助). 而研究生通常都可申请到TA.
总之,只要入取了,就不用操心经济问题.
祝好运