Student loan in the savings Bank with 18 years: design features, conditions and reviews

For education in many institutions the necessary tools. Often the amount is so high that such money may not be. Then you can take a student loan offered by the savings Bank. He is available for a long period and can cover all training.

Concept

Student loan allows you to get funds to citizens studying on a paid basis. Money is provided in cashless form, as transferred from the Bank to the chosen institution. This deal governs the contract. Payment is made installments for each semester. Eliminating misuse of funds. And you don't risk being expelled for non-payment.

The selected institution must be an agreement with PJSC "Sberbank", as well as the license of the Ministry of education to conduct educational work. Now these organizations more than 180. In the list of Russian universities:

1. MSU.
2. University.
3. Ore.
4. Medical University. I. M. Sechenov.

Advantages

Student loan to pay for education in higher and secondary educational institutions. The advantages of credit include:

• Form of learning is not considered;
• The amount can cover the cost of tuition;
• ¾ refinancing executed with the help of government subsidies;
• No Commission
• No collateral required and insurance.

Terms and Conditions

Student activists student loans 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 of registration of the contract on receiving payments. It is assumed that 25 % of the refinancing rate is paid by the customer, and 75 % - by the state. Student loan covers the expenditure on education. With its design takes into account the customer's solvency.

The loan Is for the period of study which increases for a decade, the need for the whole payment. There is a grace time for repayment. The delay could be at the time of training and 3 months in reserve. Clients do not pay fee for the loan. Also don't need to have collateral and insurance.

Is Issued the student loan to 18 years. If his receipt of the appeal by a person under, the required guarantors. They can be parents or representatives of the guardianship. The borrower must have a permanent residence permit and Russian citizenship.

Transaction Steps

A Student loan in the savings Bank will be provided upon completion of the following steps:

• Filling out the application;
• Preparation of documents;
• Appeal to the savings Bank or educational institution;
• Waiting for a response from the Bank;
• The signing of the contract;
• A loan.

The deal is completed. It only remains to pay the debt in a set number.

Documents

To get a student loan for study in the savings Bank, to collect the documentation required by the Bank. The list includes:

• A contract with the institution of free education;
• Passport
• Certificate of registration;
• Completed application;
• Payment paper issued by the educational institution for tuition fees.

If to the borrower, up to 18 years required documents:

• The passport of the representative;
• Resolution of the guardianship;
• Consent in writing issued by the legal representative;
• Birth certificate.

Be aware that loans are issued at the place of registration a person who wants to make it, and finding companies.

Proposals from the Bank

For students, the savings Bank offers several loan options:

1. A loan with a guarantee. He can spent on different needs. The main requirement is the ability to pay. You need to invite 2 of the guarantor, the citizens of the Russian Federation. If the student is under 21, the guarantors can be parents with permanent income. The insurance issue is optional. But the information on earnings to provide need. The application is considered fast. Is offered amount in the range of 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. The educational loan. The money will be spent only on education. The borrower must provide proof of ability to pay. The minimum amount is 45 thousand rubles, and the rate – 12 %. Fees for no credit. The loan term is from 1 month to 11 years. The customer can leave a Deposit or to find guarantors. In the first case, is made necessaryinsurance. Experience required not less than 6 months. If the borrower has no steady income, it should invite the co-borrower. You can take the full amount.

3. Loans with state support. Funds are spent on tuition or refinancing debt. To confirm the solvency should not be. Considered the application for about a week. The rate is assigned from 5.6 %. Credit will be issued for the period of study. The insurance issue is optional. Limits on amount no. The delay could be for the entire period of study and 3 months. For late payment have to pay a fine in the amount of 0.5 %.

4. Youth credit card. It is issued to persons 18 years of age. The rate will be 24 %. Grace period for 50 days. For service card will have to pay 750 rubles, and for her the issue of fees. For customers are bonus programs from Sberbank. The card has a special chip. The loan is issued in the amount of 3-200 thousand rubles. The card can be used for the storage, use of personal funds. Withdraw cash Commission of 3-4 %. To pay for your debts for 50 days in order not to overpay. If there was missed payment, the rate increases to 38 %. Become the owner of the card persons with experience from 3 months. Confirming your income is not necessary. To view information about the loan in the "Sberbank Online".

Order receipt

There is an order that is issued student loan. Features get simple: funds are transferred Bank transfer from the Bank account in the educational institution.

To apply for a loan at the Bank's office or website. The second method is considered more convenient. After approval it will be possible to execute the contract, stating the terms of the transaction.

Redemption

Payment should be performed monthly according to the schedule, which includes 2 time period:

1. Equal to the duration of the delay, i.e. the duration of training and 3 months. Implies the payment of interest for using the loan. Paid on the day corresponding to the period of the end of education.
2. Starts from the termination of the deferral. Then there will be equal payments to pay the loan interest.

Early redemption

The loan can be paid ahead of time. This is a statement that includes the date of payment, amount, account, what will be maturity. Payment date can only be a work day.

In case of untimely payments, it should pay a penalty equal to 20% per annum on the overdue amount. It will need to be paid together with the main debt.