under good higher education today, many Russians understand a diploma of a prestigious university.But how to get it, or rather, to pay, considering an annual reduction in the number of budget places in the institutions - the question is quite complex.If the parents do not have the possibility of a student: to pay for his tuition, accommodation, entertainment, you can try to borrow money.For example, a bank.
Educational credit - one of the ways to pay for the expensive pedagogical process, conducted under the guidance of highly qualified professors and associate professors.However, this service is not very popular in the banks themselves, because, unlike traditional consumer loans to finance accounts is something intangible - the knowledge.And they agree, no fridge and washing machine, which can then be sold and to gain investment.
Understanding the reluctance of bankers to lend money to study, back in 1996, considering the law "On education", first talked about this concept as an educational loan with state subsidy.Ten years later, the project corresponding to this idea, the staff had prepared several major structures - the Ministry of Education and Science, the Higher School of Economics, Association of Russian Banks, the national Union of Industrialists and Entrepreneurs.Then asked to give a maximum of 25 thousand dollars without collateral, a borrower could repay within 3-10 years after graduation.But he could not return - under certain conditions.The specific rate on the loan is not named, but only stipulated that a minimum percentage will be chosen among the available banks.
When it came to practice, education loan and stayed for most who want a quality higher education inaccessible.Banks, even if the state took their careful selection, agree to give money only to adult Russians.And if 18 years were not executed yet, we have to arrange all the papers with a co-borrower.If 25 thousand dollars - insufficient for the amount of training, the larger the loan and is issued only with the participation of Trustees.
detail should dwell on the issue of interest rates.In the Savings Bank education loan will cost the customer in an additional 12% per annum.Rosinterbank promises to fund training for 11-20% per annum, the Agricultural Bank - 16%, and the Baltic Bank - for 19%.By the way, money for education provides less than ten domestic banks and only one company.
course, for many Russian families educational credit in this form - not the most desirable.Therefore, we consider the situation where the guarantor before the financial institution will act as an employer.An employment contract can be conclude before the time, until the employee does not pay off.And in the case of dismissal of obligations to the bank passed on to the youngest specialist.It was also proposed to "forgive" the loan if the graduate work for a certain period of distribution.Bankers say they do not mind to go toward the state.But put their own terms, referring to certain tax benefits and claiming the status of the founders of educational institutions, or at least members of the supervisory and board of trustees.
So the question of how to get educational loan is quite relevant.On the one hand, the state is like trying to help young people to become educated in the future to get a prestigious job on the other - it is not prepared to part with some lucrative post, status, and other attributes of power.
