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HECS-style loans extended to vocational students | The Australian Skip to: Content texas vet loans Site Navigation Footer Site Search Site Map News Network Navigation NEWS.com.au Network NEWS.com.au | FOX SPORTS | CLASSIFIEDS | MOBILE | Beijing Olympics Search for: Network Highlights: The Australian August 27, 2008 01:51am AEST | Make this site your homepage THE AUSTRALIAN Business Australian IT Media Higher Education Science In Focus Opinion fha loans qualifications Policy Letters Teach/Learn Schools School Specials Politics HECS-style loans extended to vocational students Font Size: Decrease Increase Print Page: Print Andrew Trounson | August 27, 2008 STUDENT loans

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and higher fees may become commonplace across higher level vocational courses after Canberra yesterday backed Victoria's training shake-up. Federal Education Minister Julia Gillard agreed to extend university-style loans to vocational students after the Victorian Government launched a $316million boost military loans to training. While Ms Gillard said the commonwealth didn't believe in a one-size-fits-all approach, the backing for Victoria is a clear signal that Canberra would support similar moves to a student demand-driven model, with governments part-funding entitlements and offering loans to compensate for fee increases. "We are committed to supporting all reforms that honour our election commitments to ensure we have a flexible bank america mobilehome loans and responsive training system," Ms Gillard said. Under Victoria's training overhaul, centralised and capped funding of public TAFEs will be replaced by giving eligible Victorians a government entitlement to increase their skills. Students would be free to cash in their entitlements medical loans at either public TAFEs or private providers. The staged reforms include some big student fee increases for upper-level qualifications, but fee cuts for lower qualifications. For advanced diplomas, the current maximum of $877 would rise to $1500 next year, and to as much as $2500 by 2012. To compensate students, the commonwealth has agreed to extend from next July its HECS-like Fee-Help loan system to Victoria's vocational students, under which graduates don't start making no credit check bank loans repayments until their income hits $41,595 a year. Fee increases for apprenticeships would initially be limited toinflation. Victoria expects the changes to generate 172,000 extra training places over four years. 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Us | Advertise With instant loans no credit Us | Sponsorship | Terms & Conditions | Privacy Policy | Accessibility | Help | Sitemap Copyright 2008 News Limited. All times AEST (GMT +10).Home loans: Mortgage approvals plunge by 65% | Money | The Guardian Jump to content [s] Jump to site navigation rhode island home loans [0] Jump to search [4] Terms and conditions [8] Sign in Register Text larger smaller Search: guardian.co.uk Money Web News Sport Comment Culture Business Money Life & style Travel Environment Blogs Video Jobs A-Z Money Mortgages Home loans: Mortgage approvals plunge by 65% · Experts see payday loans in georgia little prospect of early market recovery · Buy-to-let sector also suffers from loan famine Kathryn Hopkins The Guardian, Wednesday August 27 2008 The value of mortgage approvals is at a 10-year low. Photo: Photodisc/Getty Images The crisis facing Britain's housing market was highlighted yesterday by figures showing that mortgage approvals have plummeted 65% in the past unsecured personnel loans 12 months while buy-to-let lending has also declined sharply this year. Only 22,448 astrive loans mortgages refinance loans were approved last month, compared with 64,184 in July last year, as lenders continued to restrict peraproved loans mortgage availability and the value of houses fell across the country. Although the monthly figure was slightly up on the wv loans 22,369 approved in June, the figures from the British Bankers' Association showed that it was still 12,000 below the average of the previous six months. The value of mortgages approved for house purchase federal government loans and grants hit a 10-year low during the month, the BBA said, at just £3.2bn, which was 69% lower than the July 2007 figure of £10.3bn. Remortgaging was down 21% in the year to July, but still accounted personal loans no credit check for 50% of all mortgage activity. David Dooks, statistics director at the BBA, said: "The community home loans of america monthly numbers of approvals for house purchase, which have fallen by some two-thirds over the last year, levelled payday loans illinois off in July. It would, however, be premature to think that the housing market will now start to recover, because overall approval activity continues to be very low." The difficulty in obtaining a mortgage also affected buy-to-let lending, which declined in the first half of 2008, the Council of Mortgage Lenders said yesterday. There were 144,600 new buy-to-let loans in the first half of 2008, down from 176,500 in the second half of 2007 and 169,500 in the first half of last year. The mortgage market is slowing as potential buyers put their purchases on hold in the hope that the market perks up. But the situation is unlikely to get better until the availability of home loans improves and house prices stop falling. Halifax

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said this month that student loans ky the credit crunch had wiped £20,000 off the cost of an average British home in the year to July, the biggest annual fall in property prices on record. Oliver Gilmartin, senior economist at the Royal Institution of Chartered Surveyors, believes that house prices will not pick up soon. "Mortgage activity appears to be stabilising although the paltry level of activity is not supportive of a near-term pick-up in house prices. "Few crumbs of comfort can be taken from recent signs that mortgage activity may have finally found a floor amid a backdrop of a stalling economy and expected rises in unemployment." The Council of Mortgage Lenders said: "The shortage of mortgage funding has limited activity across the mortgage market including the buy-to-let sector, which has a significant number of lenders that rely on wholesale funding." Opposition parties used the BBA's figures to attack the government. Justine Greening, shadow Treasury minister, said: "These figures show the extent of uncertainty in the housing market, which Alistair Darling made worse by sending out confused signals over a stamp duty holiday. "... Many people are putting their lives on hold as a result of Labour's economic incompetence. The chancellor should adopt the Conservatives' plan to abolish stamp duty for nine out of 10 first-time buyers." The BBA figures also showed that people were tightening their belts, because there was weaker deposit growth and lower credit card spending in July. Personal deposits rose by a slim £0.8bn in July, compared with an average of £2.8bn over the last six months. However, the figures revealed that people are not turning to credit cards to help them maintain spending habits. The amount of purchases by credit card dropped to £102.3m from a six month average of £104.2m. New credit card spending was £7.1bn, the lowest figure since June 2007. Repayments of £7.4bn were also the lowest in over a year. "The pressures on household budgets are reflected in the relatively weak rise in individuals' deposits and, with consumer borrowing growing only slowly it seems that consumers are acting prudently," Dooks said. Meanwhile, a report from ratings agency Standard & Poor's showed the number of Britons failing to meet mortgage repayments rose significantly in the second quarter of the year. Explainer: Home loan decline The number of new mortgages issued has stabilised, while fixed-rate and tracker deals on offer from the lenders have begun falling. It is the first glimmer of good news for estate agents in months. Will we now see the first green shoots of recovery in house prices? Don't bet on it. Yesterday's BBA figures show payday loans california lending remains at near record lows. A floor in the market had to be reached, because people die, have babies, change jobs and get divorced. These people often have no choice but to move. First-timers are still shut out of the market by huge deposit requirements. Most lending activity is in the remortgage market, as borrowers with equity come to the end of deals and seek a new lender. Many others are trapped at lenders such as Northern Rock, unable to move because any equity they had has evaporated. Arrears and repossession figures add to the gloomy picture. The key to a firmer recovery lies in the jobs market. Unemployment has risen for six months in a row. The British Chambers of Commerce predicts it could rise to almost 2m. That could be the trigger for far more serious house price falls as "forced sellers" dominate the market. Cuts in interest rates could lift confidence - but most economists are not pencilling that in until next year. Patrick Collinson and Rupert Jones About this article Close Home loans: Mortgage discharge interest on student loans approvals plunge by 65% This article appeared in the Guardian on Wednesday August 27 2008 on p22 of the Financial section. It was last graduate plus student loans updated at 09:54 on August 27 2008. Printable version Send to a friend Share Clip Contact us larger | smaller Share Close Digg reddit Google Bookmarks Yahoo! My Web del.icio.us StumbleUpon Newsvine livejournal Facebook BlinkList Email Close Recipient's email address Your name Add a note (optional) Contact us Close Contact the Money editor money.editor@guardianunlimited.co.uk Report errors or inaccuracies: reader@guardian.co.uk Letters for publication should be sent to: letters@guardian.co.uk If you need help using the site: userhelp@guardian.co.uk Call the main Guardian and Observer switchboard: +44 (0)20 7278 2332 Advertising guide License/buy our content Money Mortgages · Property · Banks and building societies Business Housing market · Banking sector More news Related stories Slump in mortgage lending continues The amount of money borrowed for mortgages in July was 27% lower than the same month last year, says CML Mortgage repayment calculator Mortgage calculator: How much can I borrow? Related Jun 27 2008 Halifax comes under fire for bringing in new mortgage fee Jun 26 2008 As bad as it gets: mortgage expert lets a ray of light into the market gloom Jun 13 2008 First-time buyers' average deposit at highest for 3½ years Apr 22 2008 B&B says more customers struggling to pay mortgages Printable version Send to a friend Share Clip Contact us Article history About this article Close This article appeared in the Guardian on Wednesday August 27 2008 on p22 of the Financial section. It was last updated at 09:54 on August 27 2008. Share Close Digg reddit Google Bookmarks Yahoo! My Web del.icio.us StumbleUpon Newsvine livejournal Facebook BlinkList Email Close Recipient's email address Your get loans name Add a note (optional) Contact us Close Contact the Money editor money.editor@guardianunlimited.co.uk Report errors or inaccuracies: reader@guardian.co.uk Letters for publication should be sent to: letters@guardian.co.uk If you need help using the site: userhelp@guardian.co.uk Call the main Guardian and Observer switchboard: +44 (0)20 7278 2332 Advertising guide License/buy our content Latest news on guardian.co.uk Last updated less than one minute ago News Isolated Russia claims Georgian crisis is US ploy Sport United and Celtic face British battle Our selection of best buys Mortgages Credit cards Loans Lender Overall Cost for Comparison (APR) Yorkshire BS 7.0 More HSBC 6.5 More Newcastle 7.3 More See more mortgage best buys Get a personal quote Name BT Rate BT Period Capital One BT Exclusive 0% Until 01/12/2009 More Virgin Credit Card 0% 15 mths More Barclaycard Platinum 'As on TV' 0% Until 01/11/2009 More See more credit cards best buys Compare over 300 credit cards Provider Typical APR Moneyback Bank Loan 8.4% More Alliance & Leicester Personal Loan 8.7% More Halifax Personal Loan (Semi-exclusive) 8.8% More See more loan best buys Compare over 500 government loans student loan providers Mortgage calculator How much can I borrow? 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That all depends on what you read Apr 17 2008 Government may take on bank mortgages to ease lending gridlock Apr 15 2008 Brown promises housing market help at No 10 meeting with bank chiefs Dec 28 2007 Grim mortgage data makes cut in loan rates more likely Banks under pressure Jul 29 2008: Customer deposit funding as surgery loans a percentage of lenders' total funding has been loans in ct in decline since 2000 More interactive License/buy our content | Privacy policy | Terms & conditions | Advertising guide | Accessibility | A-Z index | Inside guardian.co.uk | About guardian.co.uk | Join our dating site today guardian.co.uk © Guardian News and financial help for auto loans Media Limited 2008 Go to: guardian.co.uk home UK news World news Comment is free blog Newsblog Sport blog Arts & Entertainment sherman oaks california home loans blog In pictures Video Archive search Arts & entertainment Books Business EducationGuardian.co.uk Environment Film Football Jobs Katine appeal Life & style MediaGuardian.co.uk Money Music The Observer Politics Science Shopping SocietyGuardian.co.uk Sport Talk Technology Travel Been there Email services Special reports The Guardian The Northerner The Wrap Advertising guide Compare finance products Crossword Events / offers Feedback Garden centre GNM Press Office Graduate Bookshop Guardian Ecostore Guardian Films Headline service Help / contacts Information Living our values Newsroom Notes & california interest only mortgage loans Queries Reader Offers Readers' editor Soulmates dating Style guide Syndication services Travel offers TV listings Weather Web guides Working for us Guardian Weekly Public Learn Guardian back issues Observer back issues Guardian Professional Share Close Digg reddit Google Bookmarks Yahoo! 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Arroyo: No more loans; gov’t financing LRT-MRT loop project - INQUIRER.net, Philippine News for Filipinos Article Index |Advertise | Mobile | RSS | Wireless | Newsletter | Archive | Corrections | Syndication | Contact us | About Us SEARCH WEB INQUIRER Fri, Aug 29, 2008 01:15 AM Philippines      25°C to 33°C    HOME       NEWS     SPORTS     SHOWBIZ AND STYLE     TECHNOLOGY     BUSINESS     OPINION      GLOBAL NATION    SERVICES Quick Links Sections Columns Special Reports iVDO Radio Games Podcasts Tagclouds Blogs Article Index Page One Image Archives     Breaking News :     Advertisement  + SPORTS    Solar Sports    Sports on iVDO    Sports Breaking News    Inquirer Sports    Cebu Daily News Sports    The Pacquiao Files    Raya Sports    Sports Aficionado Podcast + Columnists Beth Celis Manolo Iñigo Recah Trinidad  + NEWS    Breaking News Nation Metro Regions Infotech Sports World    iVDO    Radio    Newsmaker    Top Stories    Inquirer Headlines Page One Image Nation Metro Regions Learning Sports    Full Text + Special Reports 40th ASEAN Meeting NBN Deal Water Crisis SONA Manila Hostage Drama We Heart Games Sinulog Festival Eleksyon2007 12th ASEAN Summit 15th Asian Games Typhoon Reming The Wrath of Milenyo Dengue Alert Visayas Oil Spill Nursing Controversy Lebanon Evacuation Mayon Monitor 2nd Impeachment Independence Day The Subic Rape Case The Environment Report Charter Change State of Emergency EDSA 20 Leyte Landslide The california affordable housing apartment loans burlingame Good News The ULTRA Stampede The Pacquiao Files ARMM Elections 2005    Lotto    Weather    Exam Results + Columnists Beth Celis Manolo Iñigo Queena Lee-Chua Recah Trinidad Ramon Tulfo  + SHOWBIZ & STYLE    Breaking News    Radio    Inquirer Entertainment    Inquirer Lifestyle    Sunday Inquirer Magazine    Games on INQUIRER.net    YOU    Mind and Body    RoadTrip    Inquirer Comics + Columnists Augusto Villalon Apples Aberin Sadhwani Cory Quirino Dolly Anne Carvajal Emily A. 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Vamenta  + SERVICES    Breaking News    Sitemap    Column Index    Express    Mobile    RSS    Wireless    Hottest Tags    Article Index    Archive/Search    Corrections    Syndication    Contact Us     ABOUT US     ADVERTISE INQUIRER ALERT Get the free INQUIRER newsletter Enter your email address:   Breaking News / Nation Type Size: (+) (-) You are here: Home > News > Breaking News > Nation   ARTICLE SERVICES            Reprint this article     Print this article       Send as an e-mail     Send Feedback       Comment on this article on our Vox Populi blog     RELATED STORIES   Fare rollback 'possible' if oil price cuts continue--LTFRB House OKs bill giving 40% nat’l wealth tax direct to LGUs Gov't seeks P1.415-trillion budget for 2009 Politicians propping up resurgent Ilaga group, solon says More oil price rollbacks seen Santiago asks DOJ chief to probe aunt’s slay SC lets GSIS exec off with reduced penalty Pichay balks at being RP’s ‘water boy’ CA upholds acquittal of Villarosa, 3 commercial real estate bridge loans co-accused Top 10 agricultural engineers 157 pass agricultural engineer board exam Malaysia extends mission in Mindanao Amnesty International alarmed by Ilaga revival More Stories » News Sangley dreaming Dreaded Ilaga is back Arroyo bats anew for CARP extension Archaeologists unearth 1,300-year-old mummy in Peru capital New CARP bill seeks to hike compensation for landowners Key players brought their secrets to the grave (UPDATE) First anti-corruption center to be built in RP Hot seat is a gamble for the gonads PNP’s No. 2 set to be No. 1 AIDS in New York spreads faster than rest of US-- report News Pichay balks at being RP’s ‘water boy’ Swazi virgins get busy ahead of annual ritual Santiago asks DOJ chief to probe aunt’s slay Politicians propping up resurgent Ilaga group, solon says SC commercial loans san diego lets GSIS exec off with reduced penalty Skeletons of 12 people dug up at Iba town plaza SC studying expansion of ‘writ of amparo’--Chief Justice CA upholds acquittal of Villarosa, 3 co-accused More oil price rollbacks seen Troops overrun MILF camp, but fail to get Bravo--military ‘Ilaga’ threat to kill MILF not a crime--Justice chief AFP, PNP support not enough to defend civilians   News Most Read RSS Hottest Tags Railway Transport State Budget & Taxes WHAT'S THIS?                 More >> Arroyo: No more loans; gov’t financing LRT-MRT loop project By Lira Dalangin-Fernandez INQUIRER.net First Posted 18:12:00 08/26/2008 CLARK FREEPORT ZONE, Philippines -- Instead of borrowing from foreign creditors, President Gloria Macapagal Arroyo, said the government will finance the P6.3-billion Light Rail Transit-Metro Rail Transit (LRT-MRT) loop project. The loop will connect LRT Line 1’s Monumento Avenue end-station in Caloocan City with the MRT end-station at North Avenue, Quezon City. Funds for the project will be sourced from payday loans houston tx the revenues from the expanded value added tax, Arroyo said. "We will use the proceeds from our VAT collections to close the LRT-MRT loop. Seeking foreign loans takes too much time and, anyway, we have the money to spend," she said in a tete-a-tete with reporters here Monday night. Arroyo said VAT revenues are expected to hit P100 billion this year, with almost a fifth in windfall collections from skyrocketing fuel prices in the world market. Presidential adviser on the Luzon Urban Beltway super-region Edgardo Pamintuan said using the VAT revenues would complete the project faster than educap student alternative loans waiting for private funding or loans. The government has set May 2010 for the project's completion. Copyright 2008 INQUIRER.net. All rights us veterans land loans reserved. This material may not be published, broadcast, rewritten or redistributed. SHARE THIS ARTICLE: Digg this story    Blink List    Blink Bits    add to my del.icio.us    Reddit    Yahoo MyWeb RELATED STORIES: Fare rollback 'possible' if oil price cuts continue--LTFRB House OKs bill giving 40% nat’l wealth tax direct to LGUs Gov't seeks P1.415-trillion budget for 2009 OTHER STORIES: Politicians propping up resurgent Ilaga group, solon says More oil price rollbacks seen Santiago asks DOJ chief to probe aunt’s slay SC lets GSIS exec off with reduced penalty Pichay balks at being RP’s ‘water boy’ CA upholds acquittal of Villarosa, 3 co-accused Top 10 agricultural engineers 157 pass agricultural engineer board exam Malaysia extends mission in Mindanao Amnesty International alarmed litton loans by Ilaga revival Air Force chief decries ‘flying coffin’ remark C-130 had 11 people on board, not 9 loans for the arts ohio -- military Church’s stance vs condoms undermines campaign vs HIV/AIDS Palace warns ‘Ilaga’ vs moving on MILF Razon invites ‘Ilaga’ to become police auxiliaries (UPDATE 2) Government nixes Ramadan truce with MILF Arroyo warns vs ‘irresponsible’ exercise of loans online press freedom Pilot of crashed C-130 chose to 'save lives' De rehab loans Castro: Too early to talk of 2010 alliances NPC can field 2010 slate, eyes Escudero as standard-bearer   ^ Back to

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