So for a student loan.Can it issue at all?If so, where you can spend the funds?Exclusively for payment of study or on other goals?Let's try to deal with these issues in more detail.
Firstly, it should be noted that for a student loan - the usual product present in the product line of many Russian financial institutions.Youth can give out funds in two ways: to pay for their training and for consumer purposes.Let us consider each of them separately.
When an applicant is required to get a loan fast?When it became clear that in the budget department he do not come out.Please note, a loan is issued only if paid department without it do not shine.To the credit of Russian banks, they often go to meet such clients.The most striking example - the lowest interest rate.Its size is estimated at 5% per annum.The remaining part of the state reimburses the lender.So he himself clearly does not feel slighted.
total period during which the student at the institute or university can use the borrowed funds, is 10 years.But if suddenly after graduation it is possible to prepay it is better to do it immediately.
The disadvantages of this option include the two points.Firstly, the borrower must be at least 18 years of age at the time of registration.Second, he will need to bring to the transaction guarantors.Obviously, in their role they are the parents arriving.
should also be noted that the credit for the student, with whom we are now we understand, is issued only on condition that receive higher education - the first citizen.In addition, it must be understood that the program applies only to specialties, the list of which is set by the state.
other needs
Another way to get a loan for a student - a conventional design of consumer loan.And here we are talking about a sum of $ 50 thousand.The maximum time limit within which to bring them back is usually 36 months.If a young man or woman willing to take a lot of money for a long time, their age should be 21 years and above.
The easiest way to those who manage to combine learning and work.Such comrades can count on a loan of up to 150 thousand.It is clear that they will need to provide your financial institution civilian passport, VAT code and a document that proves the level of income.It is noteworthy that received a scholarship-bank financial institution to the latter can not be ranked.Consequently, the guarantee obligations - too.
now remains to figure out where to get a loan of the type described.Here the student are not many options.Currently, funds are willing to lend, Sberbank of Russia, Russian Agricultural Bank "Education" Baltic Bank.Anything advise here is difficult, since the choice of a suitable lender - it is subjective.For example, if you are interested in the interest rate, then these institutions give money at 12%, 16%, 13.5% and 19%, respectively.
