In 2008, Russia launched a project whereby the diploma will get hundreds of thousands of poor, but talented young people.It is a state guarantee for students who receive student loans in the case of non-refoulement where the bank's losses partially reimbursed from the federal budget (about 10% of the amount).
What are the conditions of the program to obtain educational loans with a state guarantee?Do applicants for postgraduate degree it is possible to use the educational loan on favorable terms - the principal debt on the loan during the study and three months after graduation experiment, participants do not need to pay.Over the next two years is required to pay the amount and interest rate over 10 years to repay the principal of the loan.Penalties for early repayment of the loan is not provided.The guarantor of the borrower is the state, which subsidizes the interest rate for student loans.Because of this it does not exceed 5.0625% per annum.
Who can get an educational loan on such terms?The state acts as a guarantor for young people aged 14 to 18 years, now students from 18 to 21 years have the biggest chances of getting such subsidies.
In addition, to qualify for participation in the state program of educational credit, you must have a good academic record.First of all the state supports future professionals of the profile needed by the national economy.For example, now most in demand in terms of government scientists, experts and representatives of the professions working for the military-industrial complex.
To get to the state program, a student must enter into a contract of educational credit with a bank that participates in the experiment, and to act in those universities with which a contract for the project.Every year, a list of these schools varies.It is noteworthy in that it featured accredited by both public and private universities.
To date, the state subsidy to compensate non-return of the loan reimbursed up to 20% of the total amount disbursed funds, even 75% of the refinancing rate of the Central Bank of Russia is going to compensation decreased income.
By the way, the best chance of an educational loan from the people receiving the diploma of the second higher education, who have their own income and work experience at a workplace at least six months and have any property (car, real estate).In addition, the positive impact on the decision of the bank's information that your parents - not retired, you have guarantors and your passbook updated from time to time.It will also increase the chances of participation in the experiment admission to popular specialties in a prestigious university.
