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The Education (Student Loans) (Repayment) Regulations (Northern Ireland) 2009
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- Rheolau Statudol Gogledd Iwerddon
- 2009 No. 128
- PART 2
- Regulation 16
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- Dangos Graddfa Ddaearyddol(e.e. Lloegr, Cymru, Yr Alban aca Gogledd Iwerddon)
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Changes over time for: Section 16
Version Superseded: 06/04/2024
Alternative versions:
- 01/09/2009- Amendment
- 26/07/2013- Amendment
- 01/04/2014- Amendment
- 06/04/2014
Point in time - 06/04/2024- Amendment
Status:
Point in time view as at 06/04/2014. This version of this provision has been superseded.
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Interest rate on the loansN.I.
16.—(1) Subject to paragraph (2), during any academic year, if the Department determines that student loans will bear interest, loans bear interest at the rate which will result in an annual percentage rate of charge determined in accordance with [F1rules made by the Financial Conduct Authority under article 60M of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 for the purposes of Chapter 14A of Part 2 of that Order] equal to the percentage increase between the retail prices all items index published by the Office for National Statistics for the two Marches immediately before the commencement of the academic year.
(2) If the rate referred to in paragraph (1) exceeds the rate for the time being specified [F2by article 60G(3)(d) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001] student loans bear interest at the rate so specified.
(3) Interest is calculated on the principal outstanding daily and is added to the principal monthly.
(4) The index of prices to which the Department is required by Article 3(8) of the Order to have regard in prescribing the rate of interest which student loans bear is the retail prices all items index mentioned in paragraph (1).
(5) The Department must publish, at least once a year, by whatever means and in whatever media the Department thinks fit, the interest rate determined in accordance with paragraph (1) for any forthcoming academic year, subject to any variation required by virtue of paragraph (2) to be applied.
(6) If, for any academic year, the Department determines not to charge interest on student loans, the Department must publish notice of that fact in the same manner.
(7) If, for any academic year, the Department publishes more than one rate of interest to apply to student loans, any subsequent rate so published will replace any previously published rate as the rate to apply from the date specified in the notice.
Textual Amendments
F1Words in reg. 16(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), art. 1(2)(6), Sch. para. 39(a)
F2Words in reg. 16(2) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), art. 1(2)(6), Sch. para. 39(b)
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