So, a loan for a student.Can I arrange it at all? If so, where can you get the money received? Exclusively for tuition fees or for other purposes? Let's try to deal with these issues in more detail.
First, it should be noted that a loan forstudent is a regular product that is present in the product line of many Russian credit and financial institutions. Youth funds can be issued in two cases: to pay for their education and for consumer purposes. Consider each of them separately.
When an applicant needs a loanquickly? When it became clear that he would not be able to enter the budget department. Please note that the loan is issued only if the paid office without him does not shine. To the credit of Russian banks, they very often meet these customers. The most striking example is the low interest rate. Its size is estimated at 5% per annum. The rest of its creditor reimburse the state. Therefore, he clearly does not feel slighted.
The disadvantages of this option include twoof the moment. Firstly, the borrower must be at least 18 years old at the time of registration. Secondly, he will need to attract guarantors to the transaction. Obviously, in their role are the parents of the applicant.
It should also be noted that a loan for a student, withwhich we now understand, is issued only under the condition that the obtained higher education is the first in a citizen. In addition, the latter must understand that the program is valid only for specialties, a list of which is established by the state.
For other needs
Another way to get a loan for a student -registration of the usual consumer loan. And here we are talking about the amount of 50 thousand rubles. The maximum period during which you need to return them is usually 36 months. If a young man or girl wants to take a lot of money for a long time, then their age should be from 21 years and up.
The easiest way for those who manage to combine the processlearning and work. Such comrades can expect to receive a loan of up to 150 thousand. It is clear that they will need to submit to the banking institution their civil passport, TIN code, as well as a document confirming the level of income. It is noteworthy that the scholarship received by a credit and financial organization cannot be counted among the latter. Consequently, the guarantee of fulfillment of obligations, too.
It remains now to figure out where to get a loan.described type. Here the student has not so many options. At present, the funds are ready to lend to Sberbank of Russia, the Agricultural Bank, the Bank Education, and the Baltic Bank. It is difficult to advise anything here, since the choice of a suitable lender is a subjective matter. For example, if you are interested in the interest rate, then the mentioned institutions issue money at 12%, 16%, 13.5% and 19% per annum, respectively.
