Lånekassen: dra ikke betal. Dyrt usikret lån
Jeg er glad for at i Norge det finnes en ordning som Lånekassen. Jeg klarte å leve på studielån i tre år. Jeg hadde det bra som student uten å sulte meg, klarte å gjennomføre flere innenlands og utenlands reiser i studieperioden og hadde faktisk oppspart egenkapital til bolig! Så dette er en veldig bra støtte til studenter.
Men én ting tror jeg Lånekassen gikk hus forbi. Det er veldig lite økonomiske hensyn i dagens ordning som gjelder utenlandske studenter (gjelder kvoteordningen).
Når man er ferdig med sin utdannelse i Norge, så det er generelt to valg for fremtiden: å skaffe seg jobb etter utdanning eller dra tilbake til hjemlandet.
Hvis man skal søke jobb, så stiller UDI høy krav om lønn. Dersom man er heldig og lønnen tilsvarer kravet, så får man bo i Norge, jobbe, betale skatt og studielån tilbake.
Men dersom man ikke finner jobb, eller finner jobb med lavere lønn enn UDI kan godkjenne, så drar man tilbake til hjemlandet. I slike tilfeller slipper man å betale studielånet i sin helhet.
Ikke for så lenge siden fikk jeg høre om et avslag fra UDI fordi lønnen var lavere enn kravet, selv om arbeidsgiver dokumenterte at det er helt normalt lønn for stillingen. Er ikke det kjempeteit?!
Min tanke er at det skulle vært en bra investering fra statens side i utenlandske studenter som arbeidstakere. For da (oftest) kan de norsk språk og kultur, de beviste at de klarte å leve med studielån som inntekt i flere år og har en ganske sterk vilje til å jobbe og bidra til samfunnet. Pluss er det skattepenger, studielån og renter som vil komme inn i statskassa.
Fra 01.01.17 har Lånekassen økt sin rente. Renteøkningen fortsetter, og fra 01.05.17 får vi enda høyere rente. Faktisk finnes det boliglån for unge som har en lavere rente enn Lånekassen har. Med tanke på at det er flere som tar mange år studier uten å få seg jobb, blir studielånet som et usikret lån.
I tillegg har det kommet nye regler angående lånet, der det er retningslinjer for banken at lånet skal ikke overstige 5-gangers inntekt. Noen av bankene startet å ta studielånet med i dette grunnlaget.
Jeg har følgende system for nedbetaling:
Jeg har opprettet en sparekonto, og ved hver lønning overføres beløpet dit. Deretter kommer e-faktura, som betales fra den kontoen noen dager senere. Slik trenger jeg ikke passe på at det er nok penger på konto. Samtidig sjekker jeg Lånekassen regelmessig, og ser etter renteutviklingen og vurderer nedbetalingsplan. I løpet av fire år endret jeg betalinger flere ganger i følge mine muligheter. Nå er det bare litt over 1 år igjen (forhåpentligvis mindre), og Lånekassen forsvinner fra min selvangivelse.
God natt!
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142 kommentarer
Ingrid; voksen tilslutt
Hei.
Hva ser du etter når du vurderer nedbetalingsplanen for studielånet? Er det noe du endrer på lanekassen.no eller er det bare noe du bestemmer for deg selv? Kjempe bra jobbet å nesten være ferdig! Er ganske misunnelig.. 🙂
Ha en fin dag videre!
Maria
Ingrid; voksen tilslutt:
Hei og takk 🙂
Først ser jeg på mine muligheter til å betale mer: overtid, bonus, feriepenger, lønnsøkning osv. Så planlegger jeg fremtidige kostnader og hva jeg kan spare per måned.
Jeg har valgt å ha flytende rente på studielån siden jeg visste at jeg skal nedbetale det fortere. Nå er renten hos Lånekassen faktisk høyere enn på vårt boliglån, derfor prioriterer jeg å betale studielånet først.
På Lånekassen.no kan man endre nedbetalingsplan, der man kan justere antall terminer eller månedlig beløp. Så etter gjennomgang av økonomien, vurderer jeg om jeg kan betale noen kroner mer ved fortere nedbetaling. På grunn av raskere nedbetaling sparte jeg faktisk ca 18 000 i renter 🙂
Ønsker deg en strålende uke!
Ingrid; voksen tilslutt
Fantastisk! Veldig gøy å lese. Selv er planen å betale ekstra på lånene mine, er planen for studielånet at jeg bare betaler ekstra, og ikke gjøre noe med nedbetalingstiden før jeg har betalt tilbake store deler av det.
Vet du om det er en fordel å endre på betalingsplanen, eller vil det egentlig være det samme om jeg endrer den når jeg nærmer meg slutten?
Du er imponerende!
Formue
Lykke til med nedbetalingen.
Ikke noe som er bedre som når man har et mindre lån å betale.
Føles nesten som som man får en lønnsøkning 😉
Maria
Ingrid; voksen tilslutt:
Tusen takk, det er veldig hyggelig! 🙂
Hvis du er usikker på betalinger i fremtiden, så er det greit å ikke endre betalingsplanen, men betale ekstra når du har mulighet. Som jeg forstår, er det mulig å endre betalingsplanen med både forlengelse og forkortelse. På Lånekassen.no på din side kan du se mulighetene for endring av betalingsplanen og hva som er maksimalt nedbetalingstid.
Å betale ekstra lønner seg uansett, bare ikke når man har fastrente, da taper man penger 🙂
Maria
Formue:
tusen takk! 🙂 mitt mål er å bli gjeldfri så fort som mulig 🙂
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