{"id":21400,"date":"2019-11-26T06:19:40","date_gmt":"2019-11-26T06:19:40","guid":{"rendered":"https:\/\/ufilingguide.co.za\/?page_id=57"},"modified":"2019-11-26T06:19:40","modified_gmt":"2019-11-26T06:19:40","slug":"how-is-uif-calculated","status":"publish","type":"page","link":"https:\/\/uni1.co.za\/articles\/how-is-uif-calculated\/","title":{"rendered":"How is UIF calculated?"},"content":{"rendered":"\n<div class=\"advads-atf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-3417635370\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads atf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"8381596201\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><p><strong>UIF<\/strong>&nbsp;is&nbsp;<strong>calculated<\/strong>&nbsp;as 2% of an employee&#8217;s remuneration for&nbsp;<strong>UIF<\/strong>&nbsp;purposes, split evenly between the employee and employer, i.e. 1% contributed by the employee and 1% contributed by the employer. &#8230; The total&nbsp;<strong>UIF<\/strong>&nbsp;contribution (employee + employer) must be paid monthly based on the amounts contained in the EMP201 and UI-19.<\/p>\n\n\n<p>The Unemployment Insurance Contributions Act, 2002 states the following:<br \/>\u201cSubject to subsection (2), the amount of the contribution payable in terms of section 5 \u2013<br \/>a) by an employee, must be one per cent of the remuneration paid or payable to that<br \/>employee by his or her employer during any month; and<br \/>b) by an employer in respect of any one of its employees, must be equal to one per cent of the<br \/>REMUNERATION paid or payable by that employer to that employee during any month.<\/p>\n\n\n<p><br \/>REMUNERATION means \u201cremuneration\u201d as defined in paragraph 1 of the Fourth Schedule to the Income Tax Act, but does not include any amount paid or payable to an employee \u2013<br \/>(a) by way of any pension, superannuation allowance or retiring allowance;<br \/>(b) which constitutes an amount contemplated in paragraphs (a), (cA), (d), (e) or (eA) of the<br \/>definition of \u201cgross income\u201d in section 1 of the Income Tax Act; or<br \/>(c) by way of commission\u201d<br \/>Following from this, the Income Tax Act, 1962 (Act, 1962 defines \u201cremuneration\u201d as follows:<br \/>\u201cRemuneration\u201d means any amount of income which is paid or is payable to any person by way of any salary, leave pay, wage, overtime pay, bonus, gratuity, commission, fee, emolument<br \/>pension, superannuation allowance, retiring allowance or stipend, whether in cash or<br \/>otherwise and whether or not in respect of services rendered, including\u2013<br \/>a) any amount referred to in paragraph (a), (c), (cA),(d), (e), (eA) or (f) of the definition of<br \/>\u201cgross income\u201d in section one of this Act;<br \/>b) any amount required to be included in such person\u2019s gross income under paragraph (i) of<br \/>that definition;<br \/>bA) any allowance or advance, which must be included in the taxable income of that person in<br \/>terms of section 8(1)(a)(i), other thani) an allowance in respect of which paragraph (c) applies;<br \/>ii) an allowance or advance paid or granted to that person in respect of<br \/>accommodation, meals or other incidental costs while that person is obliged to<br \/>spend at least one night away from his or her usual place of residence in the<br \/>Republic\u201d<br \/>and so forth \u2013 refer to the relevant act for more information<\/p><div class=\"advads-content\" id=\"advads-629859542\"><div style=\"width: 300px; padding: 20px; margin: 0 auto; border: 1px solid #ddd; border-radius: 8px; background-color: #f9f9f9; text-align: center; font-family: Arial, sans-serif;\">\r\n    <p style=\"font-size: 16px; margin: 0 0 10px;\">Need Information or Confused about Something ? <\/p>\r\n    <a href=\"https:\/\/onlineapplications.co.za\/ask\/\" style=\"display: inline-block; padding: 10px 20px; background-color: #007BFF; color: #fff; text-decoration: none; border-radius: 4px; transition: background-color 0.3s;\">Ask a Question<\/a>\r\n<\/div>\r\n<\/div><div class=\"advads-btf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-2771116913\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads btf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"5513273173\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n\n\n<h2 class=\"wp-block-heading\">More Information on UIF<\/h2>\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/can-i-claim-uif-online\/\">Can I claim UIF online?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/what-is-the-maximum-uif-payment\/\">What is the maximum UIF payment?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/when-can-you-claim-uif\/\">When can you claim UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/can-i-claim-uif-if-i-resigned\/\">Can I claim UIF if I resigned?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/who-must-pay-uif\/\">Who must pay UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-long-does-uif-take-to-pay-out-after-signing\/\">How long does UIF take to pay out after signing?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/does-uif-pay-lump-sum\/\">Does UIF pay lump sum?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/do-directors-pay-uif\/\">Do directors pay UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/why-is-my-uif-claim-rejected\/\">Why is my UIF claim rejected?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/can-i-claim-uif-if-i-retire-south-africa\/\">Can I claim UIF if I retire South Africa?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/are-you-allowed-to-resign-with-immediate-effect\/\">Are you allowed to resign with immediate effect?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/can-i-claim-uif-if-my-husband-died\/\">Can I claim UIF if my husband died?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-much-uif-will-i-receive\/\">How much UIF will I receive?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/is-uif-taxable\/\">Is UIF taxable?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/is-uif-calculated-on-gross-or-basic-salary\/\">Is UIF calculated on gross or basic salary?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-long-does-maternity-benefit-take-to-process\/\">How long does maternity benefit take to process?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-many-months-does-uif-pay-for-maternity-leave\/\">How many months does UIF pay for maternity leave?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/\/how-is-uif-calculated\/\">How is UIF calculated?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/what-happens-to-my-uif-contributions-if-i-resign\/\">What happens to my UIF contributions if I resign?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/what-forms-are-needed-to-claim-uif\/\">What forms are needed to claim UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-do-i-register-for-uif\/\">How do I register for UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/what-is-the-retirement-age-in-south-africa\/\">What is the retirement age in South Africa?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/does-uif-expire\/\">Does UIF expire?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/is-uif-calculated-on-gross-or-basic-salary\/\">Is UIF calculated before or after tax?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/is-uif-paid-on-overtime\/\">Is UIF paid on overtime?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/does-bonus-have-uif\/\">Does bonus have UIF?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/when-should-i-apply-for-maternity-pay\/\">When should I apply for maternity pay?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/how-does-maternity-leave-pay-work\/\">How does maternity leave pay work?<\/a><\/li><li><a href=\"https:\/\/uni1.co.za\/articles\/articles\/can-i-claim-uif-after-2-years\/\">Can I claim UIF after 2 years?<\/a><\/li><\/ul>\n<div class=\"advads-cpc\" id=\"advads-3064328439\"><p>&nbsp;<\/p>\n<hr \/>\n<p>Sponsored Guide<\/p>\n<hr \/>\n<p><strong>Complete Guide to NSFAS Online Loan Application for South African Students (2025)<\/strong><\/p>\n<p>If you are a South African student looking to pursue higher education but are facing financial difficulties, the <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is one of the most accessible funding options available. NSFAS provides financial aid in the form of <strong>bursaries and loans<\/strong> to qualifying students at public universities and TVET colleges in South Africa.<\/p>\n<p>This guide will walk you through <strong>everything you need to know about the NSFAS loan application process<\/strong>, from eligibility requirements to application steps and frequently asked questions.<\/p>\n<hr \/>\n<h2>\ud83d\udccc What is NSFAS?<\/h2>\n<p>The <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.<\/p>\n<p>NSFAS <strong>offers both bursaries and income-contingent loans<\/strong>:<\/p>\n<ul>\n<li><strong>Bursaries<\/strong>: For eligible students who meet academic and household income criteria (especially for TVET and university students).<\/li>\n<li><strong>Loans<\/strong>: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.<\/li>\n<\/ul>\n<hr \/>\n<h2>\u2705 Who Qualifies for an NSFAS Loan?<\/h2>\n<p>To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:<\/p>\n<ul>\n<li>Be a <strong>South African citizen<\/strong>.<\/li>\n<li>Be <strong>financially needy<\/strong>, with a household income of <strong>less than R350,000 per year<\/strong>.<\/li>\n<li>Have a <strong>valid South African ID<\/strong>.<\/li>\n<li>Be <strong>enrolled or accepted<\/strong> to study at a <strong>public university or TVET college<\/strong>.<\/li>\n<li>Not be funded through another bursary program that covers all expenses.<\/li>\n<li>Maintain satisfactory <strong>academic progress<\/strong> (returning students).<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcda Courses Funded by NSFAS<\/h2>\n<p>NSFAS primarily funds <strong>undergraduate qualifications<\/strong>, but certain <strong>postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB)<\/strong> may be considered under the <strong>NSFAS loan scheme<\/strong>, not bursaries.<\/p>\n<p>If you\u2019re studying:<\/p>\n<ul>\n<li><strong>Undergraduate degree or diploma<\/strong>: You are likely eligible for a full NSFAS bursary.<\/li>\n<li><strong>Postgraduate study<\/strong>: You may qualify for a loan, depending on the course and funding availability.<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcc4 Required Documents for NSFAS Application<\/h2>\n<p>When applying, make sure you have the following documents scanned and ready:<\/p>\n<ol>\n<li><strong>Certified copy of your South African ID or Smart Card<\/strong>.<\/li>\n<li><strong>Parent(s) or guardian(s) ID documents<\/strong>.<\/li>\n<li><strong>Proof of income<\/strong> (latest payslips, UIF, or affidavit if unemployed).<\/li>\n<li><strong>Consent Form<\/strong> signed by your parent(s)\/guardian(s) to allow NSFAS to verify income.<\/li>\n<li><strong>Proof of registration or acceptance at a public institution<\/strong>.<\/li>\n<li><strong>Academic transcripts<\/strong> (for continuing or postgraduate students).<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udda5\ufe0f How to Apply for an NSFAS Loan Online<\/h2>\n<h3>Step-by-Step NSFAS Online Application Process (2025)<\/h3>\n<ol>\n<li>\n<h3><strong>Visit the NSFAS Website<\/strong><\/h3>\n<p>Go to: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li>\n<h3><strong>Create an Account<\/strong><\/h3>\n<ul>\n<li>Click on <strong>\u201cMyNSFAS\u201d<\/strong> and register your profile.<\/li>\n<li>You\u2019ll need a <strong>valid email address<\/strong> and <strong>South African cellphone number<\/strong>.<\/li>\n<li>Choose a strong password and verify your account via email or SMS.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Login and Start the Application<\/strong><\/h3>\n<ul>\n<li>After registration, log in to your <strong>MyNSFAS<\/strong> account.<\/li>\n<li>Click on <strong>\u201cApply\u201d<\/strong> to begin a new application.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Fill in Your Personal Details<\/strong><\/h3>\n<ul>\n<li>Input your <strong>ID number<\/strong>, name, surname, and other details exactly as they appear on your ID.<\/li>\n<li>Provide <strong>household income information<\/strong> and living arrangements.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Upload Required Documents<\/strong><\/h3>\n<ul>\n<li>Upload all supporting documents in <strong>PDF or JPEG format<\/strong>.<\/li>\n<li>Each document must be clear and under the size limit specified.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Submit Your Application<\/strong><\/h3>\n<ul>\n<li>Review your application for accuracy.<\/li>\n<li>Click <strong>\u201cSubmit\u201d<\/strong> and wait for a confirmation message.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Track Your Application<\/strong><\/h3>\n<ul>\n<li>Log in regularly to check your application status.<\/li>\n<li>You will be notified via SMS and email at each stage of the process.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\uddd3\ufe0f Important NSFAS Dates (2025)<\/h2>\n<ul>\n<li><strong>Application Opening Date<\/strong>: September 1, 2025<\/li>\n<li><strong>Application Deadline<\/strong>: January 31, 2026<\/li>\n<li><strong>Appeals Period<\/strong>: February 2026 (if rejected)<\/li>\n<li><strong>Disbursement<\/strong>: After registration and approval<\/li>\n<\/ul>\n<p><em>Note: Dates are subject to change; always confirm on the official NSFAS website.<\/em><\/p>\n<hr \/>\n<h2>\ud83d\udcb8 What Does the NSFAS Loan Cover?<\/h2>\n<p>NSFAS funding typically includes:<\/p>\n<ul>\n<li><strong>Tuition fees<\/strong><\/li>\n<li><strong>Registration fees<\/strong><\/li>\n<li><strong>Accommodation (if living away from home)<\/strong><\/li>\n<li><strong>Meals and transport<\/strong><\/li>\n<li><strong>Learning materials (e.g., textbooks)<\/strong><\/li>\n<\/ul>\n<p>For <strong>loans<\/strong>, repayment is only required <strong>once you start working and earn above a threshold<\/strong> (around R30,000 annually, but subject to change).<\/p>\n<hr \/>\n<h2>\ud83d\udd04 NSFAS Loan Repayment<\/h2>\n<p>Repayments are:<\/p>\n<ul>\n<li><strong>Income-contingent<\/strong> \u2013 you only repay when you can afford to.<\/li>\n<li>Administered by <strong>DHET (Department of Higher Education and Training)<\/strong>.<\/li>\n<li><strong>Interest-bearing<\/strong>, but interest rates are low and favorable.<\/li>\n<\/ul>\n<p>You can also apply for a <strong>partial loan conversion to a bursary<\/strong> if you perform well academically.<\/p>\n<hr \/>\n<h2>\ud83d\udd01 How to Appeal a Rejected NSFAS Application<\/h2>\n<p>If your application is rejected, you may submit an appeal via your MyNSFAS portal:<\/p>\n<ol>\n<li>Log into your MyNSFAS account.<\/li>\n<li>Click on <strong>\u201cTrack Funding Progress\u201d<\/strong>.<\/li>\n<li>If rejected, click on <strong>\u201cSubmit Appeal\u201d<\/strong>.<\/li>\n<li>Upload any missing or corrected documents.<\/li>\n<li>Provide a clear explanation or motivation.<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udcf1 NSFAS Contact Information<\/h2>\n<ul>\n<li><strong>Website<\/strong>: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li><strong>Email<\/strong>: <a href=\"mailto:info@nsfas.org.za\">info@nsfas.org.za<\/a><\/li>\n<li><strong>Toll-Free Number<\/strong>: 08000 67327 (Monday\u2013Friday, 8 AM\u20135 PM)<\/li>\n<li><strong>Twitter<\/strong>: <a href=\"https:\/\/twitter.com\/myNSFAS\">@myNSFAS<\/a><\/li>\n<li><strong>Facebook<\/strong>: <a href=\"https:\/\/www.facebook.com\/myNSFAS\">NSFAS<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcdd Final Tips Before Applying<\/h2>\n<ul>\n<li>Apply <strong>early<\/strong> to avoid system overload near the deadline.<\/li>\n<li>Use <strong>your own email and cellphone number<\/strong> (do not use someone else\u2019s).<\/li>\n<li>Double-check that all your documents are <strong>certified and legible<\/strong>.<\/li>\n<li>Keep a <strong>copy of your submission confirmation<\/strong> for reference.<\/li>\n<\/ul>\n<hr \/>\n<p>By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams\u2014without the burden of immediate financial pressure.<\/p>\n<p>&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>UIF&nbsp;is&nbsp;calculated&nbsp;as 2% of an employee&#8217;s remuneration for&nbsp;UIF&nbsp;purposes, split evenly between the employee and employer, i.e. 1% contributed by the employee and 1% contributed by the employer. &#8230; The total&nbsp;UIF&nbsp;contribution (employee + employer) must be paid monthly based on the amounts contained in the EMP201 and UI-19. The Unemployment Insurance Contributions Act, 2002 states the following:\u201cSubject\u2026 <span class=\"read-more\"><a href=\"https:\/\/uni1.co.za\/articles\/how-is-uif-calculated\/\">Read More &raquo;<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-21400","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/21400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/comments?post=21400"}],"version-history":[{"count":0,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/21400\/revisions"}],"wp:attachment":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/media?parent=21400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}