Is there a grace period for expired drivers license South Africa?

Driving licence ‘grace period’ rules you should know about

Motorists are expected to flock to testing centres around the country this week as the country’s driving licence grace period comes to an end.

Transport minister Fikile Mbalula has confirmed that the government will not issue a further extension and warned that affected motorists have until Thursday (5 May) to renew their expired driving licence cards.

The deadline applies to all learner’s licences, driving licence cards, temporary driving licences and professional driving permits that expired during the period that commenced from 26 March 2020 up to and including 31 August 2021.

Mbalula said that his department has a plan ahead of the expected influx of motorists at driving licence centres this week. This includes extending the daily operating hours of the driving licence centres by two hours during the week and opening on weekends, both Saturday and Sundays, until 31 May 2022, he said.

The rules you should know 

Mbalula has also confirmed that traffic authorities will be stepping up law enforcement after the driving licence renewal grace period lapses on 5 May.

He warned that motorists who have not yet applied for a new licence would be penalised. The deadline also won’t be extended further, he said. However, he also promised that officers would help motorists with ‘genuine challenges’ who could not renew.

The Road Traffic Management Corporation said that motorists should be aware of important rules around expired driving licence cards:

  • Motorists who apply for renewal of their driving licence cards before the expiry date are permitted to use the expired card for a period of three months, provided that they have in their possession the expired card and the receipt in the vehicle at all times. This provision is contained in the country’s National Road Traffic Regulations.
  • Motorists who apply for renewal of their driving licence cards after the expiry date will be compelled to take a temporary driver’s licence because they do not fall within the grace period.
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These rules apply generally – ie, to all driving licence cards – but are especially important for those whose licences expired between 26 March 2020 and 31 August 2021, as 5 May is now considered the expiry date for these cards.

“In terms of the regulations of the Road Traffic Act, you are not going to be penalised. We are going to allow you to renew, and what you need to prove to the law enforcer is a receipt that you’ve renewed, as well as your old licence,” said RTMC chief executive Makhosini Msibi.

“Anybody that comes beyond 5 May will be compelled to renew, but over and above, you are therefore compelled to take a temporary driver’s licence because you don’t fall within the grace period.”

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Student Loans in South Africa: How to Apply and What to Expect

For many young South Africans, accessing higher education is a dream that often comes with a financial challenge. Fortunately, several student loan optionsstrong> are available in South Africa to help fund university, college, or TVET studies. Whether you’re looking for a government loan like NSFAS or a private student loan from a bank, understanding the process is essential for success.

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What Are Student Loans?

Student loans are a form of financial aid provided to eligible students to help cover tuition fees, books, accommodation, and other study-related expenses. In South Africa, these loans can come from government institutions like NSFAS or private banks such as Nedbank, Standard Bank, FNB, and Absa. Most loans offer repayment flexibility and low-interest options until you graduate.

Types of Student Loans in South Africa

  • NSFAS (National Student Financial Aid Scheme): A government-funded loan/grant program for students from low-income households. Covers tuition, housing, transport, and meals.
  • Bank Student Loans: Offered by most major banks. These are credit-based and require a guardian or parent as a co-signer.
  • Private Loan Providers: Companies like Fundi offer educational loans covering various costs such as school fees, gadgets, and textbooks.

Requirements to Qualify for a Student Loan

Each provider has its own criteria, but most South African student loans require the following:

  • Proof of South African citizenship or permanent residency
  • Proof of registration or acceptance at a recognised tertiary institution
  • Parent or guardian with a stable income to co-sign (for private loans)
  • Completed application form with supporting documents (ID, proof of income, academic records)

How to Apply for a Student Loan

To apply for a student loan in South Africa, follow these steps:

  1. Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
  2. Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
  3. Complete the application form online or at a branch.
  4. Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
  5. Receive disbursement: Funds are typically paid directly to the institution or your account, depending on the lender.

Loan Amounts and Repayment

The loan amount you can receive depends on your chosen lender and financial need:

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  • NSFAS: Covers full tuition, residence, books, and a personal allowance. The loan becomes a bursary if you pass all your courses.
  • Banks: Can provide up to R120,000 or more annually, depending on tuition costs and credit history.

Repayment usually starts after graduation or once you start earning an income. Bank loans may require interest-only payments during your studies. NSFAS repayment only begins when you earn above a specific income threshold.

FAQs on Student Loans in South Africa

1. Can I apply for a student loan without a parent or guardian?

For government loans like NSFAS, yes. But most banks require a financially responsible co-signer, especially for students without an income.

2. Is NSFAS a loan or a bursary?

NSFAS starts as a loan, but it converts to a bursary if you meet academic performance requirements. This means you may not have to pay it back.

3. What is the interest rate on student loans?

Private banks offer competitive rates between 5% and 12%, depending on the applicant's credit profile. NSFAS charges a much lower interest rate, usually linked to inflation.

4. What happens if I fail my courses?

If you’re funded by NSFAS and fail, your loan won’t convert into a bursary, and you’ll need to repay the full amount. Banks may continue charging interest, and your co-signer may be held liable.

5. Can I use a student loan to pay for accommodation and laptops?

Yes. Both NSFAS and many bank student loans cover costs beyond tuition, including housing, meals, textbooks, and electronic devices like laptops or tablets.

Final Thoughts

Student loans in South Africa offer a much-needed financial lifeline to thousands of students every year. Whether you're applying through **NSFAS** or a private bank, ensure you understand the **terms, interest rates, and repayment conditions** before signing any agreement. Make informed decisions today to secure your academic and financial future tomorrow.