Student loan at Sberbank from the age of 18: design features, conditions and reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Money is needed to get an education in many institutions. Often the amount is so high that such money may not exist. Then you can take a student loan offered by Sberbank. It is provided for a long period and allows you to cover all training.

Concept

Student loan allows you to receive funds for citizens studying on a paid basis. Money is provided in a non-cash form, as it is transferred from the bank to the selected educational institution. This transaction is regulated by the contract. Payment is made in installments for each semester. Therefore, misuse of funds is excluded. And the student has no risk of being expelled for non-payment.

The selected institution must have an agreement with Sberbank PJSC, as well as a license from the Ministry of Education and Science to conduct educational work. Now there are more than 180 of these organizations. The list also includes Russian universities:

1. MGU.
2. MGIMO.
3. RUDN.
4. Medical University. I. M. Sechenov.

Benefits

Student loan is issued to pay for education services in higher and secondary educational institutions. The benefits of lending include:

• form of study is not taken into account;
• the amount can cover the cost of tuition;
• ¾ refinancing is done with a government subsidy;
• no commission;
• no collateral or insurance required.

Conditions

Student loan for education is issued in rubles. The rate depends on the percentage of refinancing of the Central Bank of the Russian Federation, which is valid for the period of execution of the agreement on receiving the payment. It is assumed that 25% of the refinancing rate is paid by the client, and 75% by the state. A student loan covers education costs. When making it, the solvency of the client is taken into account.

A loan is provided for the period of study, which is increased by a decade, needed for the entire payment. There is a grace period for repayment. Deferral can be at the time of training and 3 months as a reserve. Clients do not pay commissions for issuing a loan. Also, you do not need to have security and take out insurance.

A student loan is issued from the age of 18. If younger persons apply for it, then guarantors are required. They can be parents or representatives of guardianship authorities. The borrower must have a permanent residence permit and citizenship of the Russian Federation.

Deal steps

A student loan at Sberbank will be provided upon passing the following stages:

• filling out the application;
• document preparation;
• appeal to Sberbank or an educational institution;
• waiting for bank response;
• signing of the contract;
• getting a loan.

This completes the deal. It remains only to pay the debt on time on the set dates.

Documents

To get a student loan for studying at Sberbank, you need to collect the documentation required by the bank. The list includes:

• agreement with an institution on paid education;
• passport;
• certificate of registration;
• completed application;
• payment paper issued by an educational institution for tuition fees.

If the borrower is under 18, additional documents are required:

• passport representative;
• permission from guardianship authorities;
• Written consent issued by a legal representative;
• birth certificate.

It should be borne in mind that loans are issued at the place of registration of the person who wants to apply for it, and at the location of the institution.

Offers from the bank

Sberbank offers several loan options for students:

1. Loan with guarantee. It can be spent on various needs. The main requirement is solvency. It is necessary to invite 2 guarantors, citizens of the Russian Federation. If the student is under the age of 21, then parents with a regular income can be guarantors. Insurance is not required. But provide information on earningsneed. The application is processed quickly. The proposed amount is in the range of 45 thousand - 3 million rubles. The rate can be 19.5-24.5%. Loans are issued for a period of 2 to 5 years.

2. educational loan. The money will only be spent on education. The borrower must provide proof of solvency. The minimum amount is 45 thousand rubles, and at a rate of 12%. There are no loan fees. Loan terms range from 1 month to 11 years. The client can leave a deposit or find guarantors. In the first case, insurance is required. A minimum of 6 months is required. If the borrower does not have a permanent income, then a co-borrower should be invited. You can take the whole amount or in parts.

3. Government-supported loans. The funds are used to pay for tuition or refinance debt. You don't have to verify your ability to pay. The application is being considered for about a week. The rate is set from 5.6%. The loan is issued for the period of study. Insurance is not required. There are no limits on the amount. The delay can be for the entire period of study and another 3 months. For late payment, you will have to pay a fine of 0.5%.

4. Youth credit card. It is issued to persons over 18 years of age. The rate will be from 24%. There is a grace period of 50 days. You will have to pay 750 rubles for servicing the card, and there are no commissions for issuing it. Bonus programs from Sberbank operate for customers. The card has a special chip. The loan is issued in the amount of 3-200 thousand rubles. The card can be used forstorage, use of personal funds. Cash is withdrawn with a commission of 3-4%. It is advisable to pay the debt within 50 days so as not to overpay. If a payment was missed, then the rate rises to 38%. Persons with an experience of 3 months or more can become a card holder. You don't need to verify your income. You can view information about the loan in Sberbank Online.

Order of receipt

There is a procedure for applying for a student loan. Features of receiving are simple: funds are transferred by bank transfer from a bank account to an educational institution.

You can apply for a loan at the bank office or on the website. The second method is considered more convenient. After approval, it will be possible to draw up an agreement that specifies the terms of the transaction.

Repayment

Payout must be made monthly according to the schedule, which includes 2 time periods:

1. Equal to the duration of the delay, that is, the duration of training and 3 months. It involves the payment of interest on the use of a loan. Paid on the day corresponding to the graduation period.
2. Starts from the end of the grace period. Then there will be equal payments to pay the loan, interest.

Early repayment

This loan can be repaid ahead of schedule. To do this, an application is drawn up, which includes the date of payment, the amount, the account from which the repayment will be made. The due date can only be a business day.

In case of late payments, it is necessary to pay a pen alty, which is equal to 20% per annum of the amount of delay. It will need to be paid along with the main debt.