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Kategorie:
Grants & Finances

hr test 161114


Language German
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Kategorie:
Grants & Finances
sponsor & Finances / 13.06.2016

More bafög for more Students as des Winter semester 2016/17

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Resulting native the bafög amendment bei 2016, ns maximum prices increase, dafür that it is worth for even much more students zu apply.

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Mit das BAföG-Novelle 2016 steigen die Höchstsätze. Damit lohnt das sich nun für noch mehr Studierende, ein Antrag zu stellen.

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more BAföG an 2021


Language English
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BAföG will be increase also further an winter semester 2021/22!

Last year there was a significant increase in BAföG. This autumn, die amount of exempt from parental revenue increased even further: students who oase not to be granted bafög so far möchte thus have much better chances of receiving support. Students that are already receiving bafög or are also entitled to ns maximum rate can also expect to profit indigenous this increase.

Staring from winther semester 2021/22:

The best BAföG rate increases to 752 EUR for students under 25, to 861 EUR for students under 30 und to 941 EUR for students over 30.Since last winter semester, die housing supplement for BAföG-supported college student who perform not direkt with your parents is 325 EUR.The amount von assetes students might possess without them gift taken into account amounts to 8,200 €. This means that students room allowed to own this viel capital without it affecting your eligibility weil das BAföG.Voluntarily paying health and long-term care insurances (e.g. Indigenous 31 years von age) increases the granted lot of bafög (up) to 941 EUR von monthParents" revenue allowances will it is in increased. Parental are enabled to oase a 6 % greater income in comparison zu winter semester 20/21 before it is credited against BAföG benefits.For student"s children (up zu 14 years), a childcare supplement of 150 EUR. per month ist paid as a subsidy per child upon application. Before, only children up to ten years to be includedThose that care zum close relatives (at least treatment level 3) are eligible to receive assistance beyond die maximum support period

What else changes?

Half von the total amount of bafög benefits received have kommen sie be amortized only 5 years after the end of die maximum support period (after the erste degree).New: The amortization will be done in monthly instalments depending on income but at a maximum monthly rate of 130 EUR. After ~ 77 instalments, a best of 10,010 EUR, the remaining debt zu sein remitted. If a student, for example, receives ns maximum bafög rate of 861 € von month zum six semesters des their Bachelor"s und four semesters des their Master"s programme, (BAföG maximum zum students between 25 und 30 years, resulting zu 51,660 € bei total) they only schutz to pay rückseitig one fifth des the amount (10,010 EUR max.)—there is no cheaper way zu finance your studies!Students who require up kommen sie two semesters longer zu finish their studies weil das reasons the are not recognised von the Department weil das Grants (BAföG-Amt), kann now receive "Help for graduation". This is in interest-free loan which need to be repaid in full (a so-called Volldarlehen). Die prerequisite is that one is admitted to the final examination des the corresponding study regime within four semesters after the end of die maximum capital period. Ns university/acadamy climate has zu confirm that ns program kann sein be completed within die following 12 months. The amortization des the loan ist only compelled after die repayment of the regular bafög (see example 5).

Examples


Example 1: parental married / worker& consistent employee /siblings

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Your parents space married to each other. Your father is a worker with an annual gun salary des 25,000 EUR. Your mommy works as in employee and achieves a gross salary von 30,000 EUR.

Together they pay €8,000 an taxes each year. Bei addition kommen sie you, the student, there zu sein another son who attends school and has no income of his/her own.

In the future, 188.66 EUR instead of 260.40 EUR will be attributed monthly against the parents" income. You möchte then get 555 EUR per month instead des 389 EUR.

Example 2: parents married / both self-employed / siblings

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Your parents are married kommen sie each other. Both room self-employed. Her father has actually a pistole income des 60,000 EUR, her mother"s pistole income amounts kommen sie 20,000 EUR. Taxes (including unternehmen tax) amounting to €15,000 are paid. You also have a school-aged sister with no income.

In ns future, 231.00 EUR instead des 321,75 EUR per month are attributed against your parent"s income. You will receive monthly benefits of 513 EUR instead von 327 EUR up to now.

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Example 3: parental divorced / no siblings

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In this example, both parents room divorced. Your father zu sein self-employed and generates a pistole income des 25,000 EUR anually. He payment 2,800 EUR in taxes. Her mother is civil servant and has a pistole income des 33,000 EUR von year of which 4,800 EUR room payed in taxes. You do not oase any siblings.

In die future, 349.38 EUR instead des 396.25 EUR are credited versus your parent"s income. As a result, you will receive 395 EUR instead von 253 EUR.

Example 4: parents married / both consistent employees / no siblings

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Your father is employed und earns 33,300 EUR annually. Your mother is employed together well und earns 28,000 EUR per year. Both room married and pay 9,000 EUR in taxes. Freundin are ns only son of your parental but you did notfall receive any bafög benefits due to your parent"s income.

In the future, you will receive 92.00 EUR und do notfall have to pay die licence dues (Rundefunkbeitrag) because freundin receive bafög benefits.

The financial benefit because von the new bafög regulation amounts to 1,104 EUR von year!

Example 5: Amortization & Help zum graduation

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The person applying receives bafög benefits amounting zu 40,000 EUR during their regular duration of the research program. Subsequently, ns applicant receive 10,000 EUR as "Help weil das graduation" full loan assistance zu complete your studies.

Since für hilfe of the bafög benefits received are a loan und the other für hilfe does not schutz to be repaid, the amount for amortization amounts to 20,000 EUR. Ns "Help zum graduation" loan ist a complete loan. As a result, the personen has zu amortize 30,000 EUR.

Amortization starts 5 years after the maximum funding period ends. Punkt first, the bafög loan has to be repaid in monthly instalments von 130 EUR each. After ~ 77 instalments, a total von 10,010 EUR, ns rest of the loan is remitted. Bei our example, the person receiving the loans does not have to amortize 9,900 EUR.

With ns 78th instalment, ns amortization of the "Help zum graduation" loan starts. Due to the fact that this is a complete loan, the total amount des 10.000 EUR oase to be amortized.

Of a pistole of 50,000 EUR bei funding, the applicant only has zu pay back 20,010 EUR.


State of the sample calculations: autumn 2019

Questions top top how kommen sie apply?

For general questions on the application weil das BAföG, please visit the bafög service office at ns Student dienstleistungen Center (SSC).

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Do not forget, even if the bafög benefits sie receive are low:Half of it does not oase to be paid back and BAföG-supported student are completely exempt from TV licence fees.