2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Children go to school in autumn. And if the university is not far off? How can you currently pay for tuition without significant damage to your personal budget? There is only one option - to get a loan for education! Under this program, the bank will transfer funds directly to the university - and you are a student. A monthly fee will not have a very significant impact on a strong family budget. To apply, you must carefully read the conditions.
What is a student loan?
Based on statistics, most students abroad receive education on credit. In Russia, this type of lending is less developed and in demand. Often, a loan for urgent needs is in great demand. The term of the loan, as a rule, is less, and the issued amount is quite enough to pay for tuition. Many banks offer student loans at good interest rates. However, state regulation of this type of lending is poorly developed.
Options
Apart from standard consumer credit, the target value of which is optionalprove that there are other ways to get a loan to pay for higher education. One of the options for this lending is a loan secured by a legal entity. As a rule, in this case, a loan is issued for a second higher education. In this case, the age of the borrower must be over 25 years old, which is a prerequisite for registration.
What should yesterday's schoolchildren do who, due to unforeseen circumstances, did not enter the budgetary department, but really want to become qualified specialists? A loan for higher education for such persons can be issued by parents, while choosing the optimal conditions. Thus, this type of lending cannot be recommended directly to the applicant.
Preferential student loan
Most universities cooperate with banks to conclude a loan on favorable terms. The contract is concluded for a period of six months to 11 years. The loan is issued in parts, each semester by transfer to the account of the university. Receipt of payment for the new semester is possible only as a result of the successful completion of the session. In this case, the loan is issued to the student, one of the parents acts as a guarantor.
Documents required for registration
To draw up a contract, you will need a passport, the name of the educational institution and a guarantor. The guarantor must provide a passport and a certificate confirming solvency.
Can I get a loan for education abroad in Russia?
Currently very popularstudy abroad. Diploma students who have received education abroad receive wages 2-3 times higher than Russian qualified specialists. Many banks cooperate with foreign universities and are ready to provide a loan not only for education, but also for living. The list of required documents includes: a passport, the name of the educational institution and a guarantor.
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