To get an education in many institutions, funds 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.
The concept
Student loan allows you to get funds for citizens studying on a paid basis. Money is provided in non-cash form, as it is transferred from the bank to the selected educational institution. This transaction is governed by a contract. Payment is made in installments for each semester. Therefore, misuse of funds is excluded. And the student has no risk of becoming expelled for non-payment.
The selected institution must have an agreement with Sberbank PJSC, as well as a license from the Ministry of Education and Science to conduct educational work. Now there are more than 180 of these organizations. The list also includes Russian universities:
- Moscow State University.
- MGIMO.
- RUDN.
- Medical University. I.M.Sechenova.
Benefits
Student loan is issued to pay for educational services in higher and secondary educational institutions. The advantages of lending include:
- the form of training is not taken into account;
- the amount may cover the cost of training;
- ¾ refinancing is carried out with the help of state subsidies;
- no commission;
- no collateral and insurance required.
Conditions
Student loan 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 of execution of the contract on receipt of payment. It is estimated that 25% of the refinancing rate is paid by the client, and 75% by the state. Student loan covers the cost of education. When it is drawn up, the solvency of the client is taken into account.
A loan is provided for the period of study, which increases by the decade necessary for the entire payment. There is a grace repayment time. Deferral may 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 collateral and arrange insurance.
Student loan is issued from 18 years. If persons younger are applying for it, then guarantors are required. They can be parents or guardianship representatives. The borrower must have a permanent residence permit and citizenship of the Russian Federation.
Transaction Stages
Student loan at Sberbank will be provided during the following stages:
- filling out an application;
- preparation of documents;
- appeal to Sberbank or an educational institution;
- waiting for a bank response;
- signing a contract;
- getting a loan.
This concludes the deal. It remains only to pay the debt on time in the prescribed numbers.
Documents
To get a student loan for training at Sberbank, you need to collect the documentation required by the bank. The list includes:
- contract with the institution of paid education;
- passport;
- certificate of registration;
- completed application;
- payment paper issued by an educational institution for tuition fees.
If the borrower is under 18 years old, additional documents are required:
- representative's passport;
- permission from guardianship authorities;
- written consent issued by the legal representative;
- birth certificate.
It should be borne in mind that loans are issued at the place of registration of the person who wants to apply for it, as well as at the location of the institution.
Bank offers
For students, Sberbank offers several loan options:
1. A loan with a guarantee. It can be spent on 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 years old, then guarantors can be parents with a constant income. Insurance is optional. But you need to provide information about earnings. The application is considered quickly. The proposed 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. Educational loan. Money will be spent only on training. The borrower must provide proof of solvency. The minimum amount is 45 thousand rubles, and the rate is 12%. No loan commissions. The loan term is from 1 month to 11 years. The client can leave a deposit or find guarantors. In the first case, insurance is compulsory. Work experience is required for at least 6 months. If the borrower does not have a regular income, then the co-borrower should be invited. You can take both the whole amount and in parts.
3. Loans with state support. Funds are spent on training or debt refinancing. Confirm solvency should not be. An application is considered for about a week. The rate is assigned from 5.6%. A loan is issued for the period of study. Insurance is optional. There are no restrictions on the amount. The delay may be for the entire period of study and another 3 months. For late payment 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 of 50 days. You will have to pay 750 rubles for servicing the card, but there are no commissions for its issue. Bonus programs from Sberbank are available for customers. The card has a special chip. A loan is issued in the amount of 3-200 thousand rubles. The card can be used for storage, use of personal funds. Cash is withdrawn with a commission of 3-4%. It is advisable to pay the debt within 50 days so as not to overpay. If the payment was missed, the rate rises to 38%. Persons with an experience of 3 months can become a card holder. You do not need to confirm your income. You can view information about a loan in Sberbank Online.
Order of receipt
There is a procedure by which a student loan is issued. The features of obtaining are simple: funds are transferred by bank transfer from a bank account to an educational institution.
You can apply for a loan at the bank office or on the website. The second method is considered more convenient. After approval, it will be possible to draw up an agreement in which the terms of the transaction are indicated.
Redemption
Payment must be made monthly on a schedule that includes 2 time periods:
- Equal to the time of the delay, that is, the duration of training and 3 months. It implies the payment of interest on the use of a loan. Paid on the day corresponding to the period of graduation.
- It starts from the termination of the delay. Then there will be equal payments to pay the loan, interest.
Prepayment
Such a loan can be paid ahead of schedule. For this, a statement is drawn up, which includes the payment date, amount, account, from which repayment will be made. Payment date can only be a business day.
In case of untimely payment, it is necessary to pay a penalty, which is equal to 20% per annum of the delay. It will need to be paid along with the main debt.