How and where can a loan be issued for a student?
So, credit for the student.Is it possible to decorate it at all? If so, where can you spend the money received? Exclusively to pay for studies or for other purposes? Let's try to deal with these issues in more detail.
First, it should be noted that the loan forstudent - an ordinary product, present in the product line of many Russian financial institutions. The funds of young people can be issued in two cases: to pay for their education and for consumer purposes. Let's consider each of them separately.
When an applicant is required to obtain a loanfast? When it became clear that he would not be able to enter the budget department. Pay attention, the loan is made out only in the event that on a paid branch without it do not shine. To the credit of Russian banks, they very often meet such customers. The most striking example is the low interest rate. Its size is estimated at 5% per annum. The rest of it is repaid by the state to the creditor. Therefore, he obviously will not feel himself restrained.
The total period during which the studentinstitute or university can use borrowed funds, is 10 years. But if suddenly after graduating from high school there is an opportunity to repay it ahead of schedule, it is better to do it immediately.
The drawbacks of this option include twomoment. First, 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, the parents of the incoming act in their role.
It should also be noted that credit for a student, withwhich we now understand, is issued only on the condition that the higher education received is the first citizen's. In addition, the latter should understand that the program is valid only for specialties, the list of which is established by the state.
For other needs
Another way to get a loan for a student -registration of ordinary consumer loans. And here we are talking about the amount of 50 thousand rubles. The maximum period during which it is necessary 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 is for those who manage to combine the processtraining and work. Such comrades can expect to receive a loan of up to 150 thousand. It is clear that they will need to provide their bank account with a civil passport, a TIN code, and a document that confirms the level of income. It is noteworthy that the received scholarship by a credit and financial organization to the latter can not be. Therefore, the guarantee of fulfillment of obligations is also.
It remains to understand where to get a loanof the type described. Here the student does not have so many options. Currently, the funds are ready to borrow Sberbank of Russia, Rosselkhozbank, Bank "Education", the Baltic Bank. It is difficult to advise anything here, since the choice of a suitable lender is subjective. For example, if you are interested in the interest rate, the mentioned institutions issue money at 12%, 16%, 13.5% and 19% per annum, respectively.