For education in many institutionsfunds are needed. Often the amount is so high that such money may not be. Then you can take a student loan offered by Sberbank. It is provided for a long period and allows you to cover all training.
Student loan allows you to get fundscitizens who are studying for a fee. Money is provided in a non-cash form, as they are transferred from the bank to the selected educational institution. This contract is regulated by the contract. Payment is done in parts, for each semester. Therefore, the misuse of funds is excluded. And the student does not have a risk of being expelled for non-payment.
The chosen institution should have an agreement with PJSC "Sberbank", as well as a license of the Ministry of Education for conducting educational work. Now these organizations are more than 180. The list also includes Russian universities:
Student loans are issued to pay for education services in higher and secondary educational institutions. The advantages of lending include:
FROMtudent loan for training is issued in rubles.The rate depends on the percentage of refinancing of the Central Bank of the Russian Federation, which is valid for the period when the contract for payment is formalized. It is assumed that 25% of the refinancing rate is paid by the client, and 75% by the state. Student loan covers spending on education. At its registration the client's solvency is taken into account.
A loan is provided for the period of study, whichincreases by a decade, necessary for all payment. There is a grace period for repayment. The delay can be at the time of training and 3 months as a reserve. Customers do not pay a fee for issuing a loan. Also, you do not need to have security and make insurance.
A student loan is issued from the age of 18.If persons younger are required to receive it, then sureties are needed. They may be parents or representatives of guardianship authorities. The borrower must have a permanent residence permit and citizenship of the Russian Federation.
Student loan in Sberbank will be provided during the following stages:
This concludes the deal. It remains only in time to pay the debt in fixed numbers.
To get a student loan for training in Sberbank, you need to collect the documentation required by the bank. The list includes:
If the borrower is under 18 years of age, additional documents are required:
It should be borne in mind that loans are issued at the place of registration of the person who wants to register it, and also on finding the institution.
For students, Sberbank offers several options for lending:
1. A loan with a guarantee.It can be spent for different needs. The main requirement is solvency. It is necessary to invite 2 guarantors, citizens of the Russian Federation. If the student is under 21, then the parents with a constant income can be guarantors. Insurance is optional. But information on earnings must be provided. The application is considered quickly. The sum is proposed within 45 thousand - 3 million rubles. The rate may be 19.5-24.5%. Loans are issued for a period of 2 to 5 years.
2. Educational loan.Money will be spent only on training. The borrower must provide proof of creditworthiness. The minimum amount is 45 thousand rubles, and at a rate of 12%. There are no commissions for a loan. The loan period is from 1 month to 11 years. The client can leave a deposit or find guarantors. In the first case, insurance is compulsory. Experience is required for at least 6 months. If the borrower does not have a permanent income, then the co-borrower should be invited. You can take both the whole amount and parts.
3. State-supported loans.The funds are spent on paying for training or refinancing debt. Confirm solvency should not be. The application is considered for about a week. The rate is assigned from 5.6%. The loan is issued for the period of study. Insurance is optional. There are no restrictions on the amount. Postponement can be for the entire period of training and another 3 months. For late payment, you will have to pay a fine of 0.5%.
4. Youth credit card.It is issued to persons from 18 years of age. The rate will be from 24%. There is a grace period for 50 days. For the maintenance of the card will have to pay 750 rubles, but for its release there are no commissions. For customers, there are bonus programs from Sberbank. The card has a special chip. The loan is issued for the amount of 3-200 thousand rubles. The card can be used for storing, using personal funds. Cash withdraws with a commission of 3-4%. Pay the debt preferably within 50 days, so as not to overpay. If a payment was missed, the rate rises to 38%. You can become a cardholder with a person with experience from 3 months. You do not need to confirm your income. You can view information about the loan in "Sberbank Online".
There is an order in which a student loan is issued. Features of the receipt are simple: funds are transferred by a cashless method from a bank account to an educational institution.
You can apply for a loan in the bank's office or on the website. The second method is considered more convenient. After approval, it will be possible to draw up a contract specifying the terms of the transaction.
Payment must be made monthly according to the schedule, which includes 2 time intervals:
Such a loan can be paid ahead of time. For this, an application is prepared that includes the payment date, the amount, the account from which the repayment will be performed. The payment date can only be a business day.
In case of late payment, it is necessary to pay a penalty, which is equal to 20% per annum of the amount of delay. It will need to be introduced along with the main debt.
