Export restrictions. Export restrictions. Special regimes for carrying out certain types of foreign trade activities

Educational lending in Russia is not so developed, but it offers applicants great opportunities. What universities can I pay for with a loan? How to get it, how much will you have to pay? Let's figure it out.

The number of budget places in universities is limited, and competition in prestigious educational institutions increases from year to year. What to do if you enroll in free of charge failed, but there is no money for studying at the commercial department?

For applicants who did not achieve the required score on the Unified State Exam or did not pass the exams, they offer paid training. If your family’s financial situation does not allow you to pay for your studies, you can turn to credit organizations and banks for help and get an educational loan. The practice of financial support for students came to us from Europe and the USA.

In the USA, 60% of students obtain higher education with the help of an educational loan. Not only US citizens can get a student loan (Private International Student Loan). More information can be found on the website

What is an educational loan?

The main difference between an educational loan and a regular consumer loan is the grace period for repayment. It is implied that During training, the student pays only interest, and after graduating from university and getting a job, repays the principal amount in equal shares.

The size of the loan provided depends on the specific bank. He can:

cover the full cost of training;
partially compensate the student’s expenses;
be paid in stages for each semester or in full at once for the course for which the applicant is enrolled.

The educational credit sector in Russia is just beginning to develop; its share in the financial market is small. Therefore, some banks offer more stringent loan conditions, shorter repayment terms, and an individually set interest rate based on the borrower’s credit history or the availability of collateral.

Who can take out a student loan?

Students enrolled in commercial departments of universities, colleges, and courses can apply for a student loan. Prerequisites for this:

age at least 14 years and presence of co-borrowers (parents or other relatives);
over 18 years of age and having co-borrowers or employment with a regular income that covers loan payments.

Russian banks issue student loans only to citizens Russian Federation having permanent registration on the territory of the Russian Federation. When concluding an agreement, the bank will require you to indicate and be sure to check the numbers of two telephones - cell phone and home.

For what purposes can you take an educational loan?

Banks issue loans for the following types of training:

to receive the first and second higher education;
vocational training in colleges and schools;
completion of master's or postgraduate studies;
for advanced training - MBA, language courses, courses in municipal management.

Any form of training is acceptable. It can be full-time, part-time or remote. However, when counting on receiving a loan to pay for education, you need to remember that the chosen university must be included in the list approved by the bank and posted on the official website.

Let's compare the two most popular financial institutions that offer education lending services.

Educational loans in numbers

A comparison table of several loan offers will help you make conscious choice:

	"Pochta Bank"	"Europe Bank"
Loan terms	Up to 150 months	From 6 to 12 months (extension possible after completion)
Security
Credit insurance
Annual interest rate	● 14.9% subject to insurance ● 27.9% base rate
Loan repayment	With a deferment of principal repayment until graduation	Monthly in equal installments
List of universities	It is possible to add the selected university to the list	Only from the bank's list
Loan transfer	To the borrower's account, you can step by step	The entire amount goes to the university account
Covering tuition costs	Within the limit from 50,000 to 2,000,000 rubles.

When choosing a bank to obtain a student loan, in addition to financial aspects, you need to take into account some risks:

The possibility of expulsion for poor academic performance or for other reasons - education will be interrupted, but obligations to the bank will remain.
Difficulties with finding employment after graduation and, accordingly, difficulties with debt payments.

The loan product must be selected taking into account probable problems, do not neglect insurance programs when concluding a contract.

Educational loan from Pochta Bank

The bank offers students the “Knowledge is Power” program, under which you can get a student loan with a limit of 50,000 to 2,000,000 rubles.

Advantages of the offer from Pochta Bank:

without collateral;
no fees for loan repayment ahead of schedule;
low annual rate subject to participation in the loan insurance program - 14.9%;
until graduation, the borrower pays only interest (grace period for the principal);
interest will be accrued on the amount actually used (the possibility of receiving a loan in stages);
increasing the credit limit if necessary - with the involvement of relatives as co-borrowers;
preferential deferment for repayment of the principal debt - when taking an academic leave or looking for a job after graduation (up to three months).

The downside of an educational loan from Post Bank is the additional costs of loan insurance. Participation in the insurance program will cost 0.29% of total amount loan

You can pay for commercial education at universities in the Russian Federation in 69 cities, including universities and academies in Moscow, St. Petersburg, Novosibirsk, Kazan, Novgorod, and Krasnoyarsk. In the bank's list:

More than 80 and the Moscow region, including,.
50 and Leningrad region, For example, .
Universities and institutes in other Russian cities.

Full list educational institutions, for whose services you can pay with Pochta Bank credit funds, is indicated on the official website.

Important! Future applicants who do not find their chosen university on the list can apply to have it added to the list. It's better to do this in advance.

To get a loan, you need to collect a package of documents, including:

the borrower's passport with permanent registration in the Russian Federation;
passports of co-borrowers (parents, relatives), if the borrower has not reached the age of majority or does not have a permanent confirmed income;
SNILS number and TIN of the employer (if there is a job);
agreement with the educational institution (this will be required after the loan is approved).

After the bank reviews the loan application, the client will be offered individual conditions. When the parties agree, an agreement is signed, the bank opens an account for the client, into which the approved amount is credited.

Lifehack: To estimate the loan size taking into account all interest and markups, you can use loan calculator on the Internet or on the bank’s website. The manager will more accurately calculate the amount of monthly payments based on your application.

The head office of Pochta Bank is located in Moscow at pl. Preobrazhenskaya, 8. Branches can be found in any city in the Russian Federation and even in small villages. 24-hour multi-line telephone with free calls throughout Russia - 8 800 550 0770.

Educational loan from Credit Europe Bank

Credit Europe Bank belongs to the foreign group FIBA and has been operating in Russia since 1994. As part of its services to the population, it issues educational loans. The head office is located in Moscow.

The bank has representative offices in 9 cities, whose residents can apply for a loan at the following addresses:

Advantages of contacting Credit Europe Bank:

without collateral and compulsory insurance;
the loan is issued in the amount of up to 100% of the required amount;
interest is calculated on the balance of the debt;
there is no overpayment for early repayment.

Disadvantages of the offer from Credit Europe Bank:, .

Institutes of Yekaterinburg, Krasnoyarsk, Nizhny Novgorod and 29 other cities of Russia.

A complete list of educational institutions for whose services an educational loan is provided can be found on the bank’s official website.

To receive money you need:

conclude an agreement with the selected university;
collect documents - passports of the borrower and co-borrowers (in the absence of your own permanent income), other papers at the request of the bank (their list will be clarified by the credit manager at the first consultation);
submit an application to Credit Europe Bank and wait for approval.

After signing the agreement, the loan amount will be transferred to the university account according to the invoice provided by the borrower.

The decision on approval is made after regular credit history checks and compliance with all standard bank conditions. Any information of interest on applying for an educational loan can be clarified on the website or by multi-channel phones:

8 495-775-775-7 for residents of Moscow and the Moscow region;
8 800-700-775-7 for residents of other regions of the Russian Federation.

Is it worth taking out an educational loan?

Despite the more comfortable conditions compared to a regular consumer loan, an educational loan does not often attract the attention of potential borrowers. This is due to several reasons:

rather high interest rates of banks;
lack of government support (the program was frozen in 2017);
low financial capabilities of many families - the lending limit is calculated based on the total income of the borrowers.

But for many school graduates, a student loan is the real and only opportunity to get a prestigious education and create a strong base for further growth.

To guarantee a well-paid position and provide a decent future for children, a person needs to obtain a higher education. It is very difficult to find a university without a university degree in modern realities. Good work. If you were unable to pass the competitive selection for free education, there is always the opportunity to get an education at a paid department. If Money If you don’t have enough for training, you can get an education loan, including government subsidies. Banks offer targeted loans at reduced rates not only for university studies, but also for various courses, retraining, internships abroad, etc.

What is an education loan? How much does a university diploma cost in Russia and abroad?

Education loan is a targeted bank loan that is issued to pay for education at any institution, be it a college, technical school, university, etc. Distinctive feature Such a loan has a low rate, the possibility of deferring payments for several months or years, and a grace period for debt repayment. In most cases, banks do not require confirmation of the client’s solvency, since the loan is issued not only to adult citizens of the Russian Federation, but also to graduates who have just graduated from school. It is clear that there can be no talk of any work here.

According to recent studies, the “cheapest” education is offered by European universities, in particular, institutions in Germany and France, although the costs of food and accommodation in these countries will be higher than tuition fees. A bachelor's degree in France costs an average of 30-50 thousand rubles. in year. In Germany, prices are slightly higher; the applicant will have to pay about 40-150 thousand rubles for 2 semesters of study.
Only regional universities offer comparable tuition fees in the Russian Federation. So, for example, 2 semesters at PSU (Perm) will cost a student 60-70 thousand rubles. Within 50 thousand rubles. in a year you can find specialties at Tyumen State University.

Well-known capital universities (MSU, MGIMO, etc.) offer applicants to get an education for 500-1300 thousand rubles. in year. In institutions such as Russian State University for the Humanities, Moscow State Technical University. Bauman you can get a specialty for 200-500 thousand a year.
The most expensive education in the UK and USA. On average, training will cost an applicant 1-1.5 million rubles per year, but diplomas prestigious universities provide a direct path to a highly paid position in a large company.

Education on credit with government subsidies

Not long ago, the government began to actively promote educational loans with support. Today you can get a subsidized loan from Sberbank and Rosinterbank. The interest rate on such a loan is ¼ of the Central Bank refinancing rate, increased by 5 percentage points. In conversion it turns out to be 7.06% per annum.

The loan amount can be 100% of the cost of training, which means that no down payment is required. There is no commission, collateral or insurance for an educational loan at Sberbank. The loan term is calculated individually and consists of the period of study, increased by 10 years, allotted to repay the principal debt.
The borrower is also given a grace period during which only part of the accrued interest can be paid. It is the entire duration of study + 3 months. However, interest will have to be paid starting from the 1st year.

During the first year after registration, the borrower pays a monthly payment, which consists of a 60% interest portion. During the second year, the monthly payment is 40%. Starting from the third year, the client pays 100% of the accrued interest as a monthly payment.

In case of delay and the formation of debt, penalties for a loan from Sberbank will be severe: a penalty of 20% per annum on the amount of debt will be charged.

It is also worth noting that a loan with state support will be issued to an applicant as long as his exam grades are at least “good.” If a student completes semesters with grades of “3-4”, tuition crediting will be curtailed.

How to get an education loan? Requirements for borrowers

The vast majority of banks that offer targeted education loans provide them from the age of 14. It is clear that such a borrower cannot physically provide a salary certificate, therefore required package documents will have to be collected by close relatives or parents who will act as co-borrowers. In addition to salary certificates and scanned copies work book, guarantors must have a good credit history.

If the loan amount is large, the bank may require collateral (car, apartment, land plot and other liquid property owned). For example, for an educational loan with state support from Sberbank, you do not need to provide documents confirming the income of the guarantors, and collateral is also not required.

Before applying for a loan, a potential borrower must pass entrance exams to the chosen university, provide the bank with an agreement on the provision of paid educational services with a specific educational institution. You also need to pick up a payment document from the university indicating the amount of tuition, details for transferring funds, etc.

Among other things, the borrower must have Russian citizenship and registration in the city where the bank operates. You will also need to provide a school diploma, passport, birth certificate, as well as permission from the guardianship/trusteeship authorities and parents to receive a loan if the borrower is under 18 years of age. The permission must be certified by a notary.

It is worth noting that borrowers under guardianship will not be able to obtain an education loan until they reach adulthood.

Education loan terms

The exact conditions depend on the loan program of the selected bank. Majority credit institutions provide a targeted loan for higher education on the following conditions:

The interest rate varies from 10% to 20% per annum
Availability of an initial payment of 10-40% of the cost of training
Loan terms vary from 2-3 to 10 years
Some banks oblige the borrower to take out life and health insurance. If there is a deposit, it must also be insured

Education on credit: Sberbank VS Pochtabank

Let's look at the basic conditions for an education loan from several banks and find out where getting a loan will be more profitable.

Bank / Options	Sberbank "Education Loan"	Letobank “Knowledge is power”
Sum	No limits	From 50 thousand to 2 million rubles
Term	Up to 10 years after graduation	Up to 150 months
Interest	7.06% per annum	29.9% per annum without insurance, 19.9% per annum with insurance
Requirements for borrowers	A citizen of the Russian Federation over the age of 14 with registration in the city where the bank operates. Availability	A citizen of the Russian Federation over the age of 14 with registration in the city where the bank operates. Availability of co-borrowers.
Documentation	Agreement with the university, passport, birth certificate, certificate from guardianship authorities, from parents	An agreement with a university, issued for one of the co-borrowers, a 2NDFL certificate for 6 months, passports
Additional terms	During training, the borrower must pay accrued interest on the loan at the following rate: for the first year - 60%, for the second year - 40%, for the third and subsequent years 100%	During training, the borrower must pay accrued interest on the loan. There is a slight deferment of principal repayment. Insurance possible (+0.39% per month)

Definitely the most profitable terms are waiting for applicants education loan from Sberbank of Russia. The minimum rate, a simplified package of documents, a long loan term, the absence of commissions and collateral speak for themselves.

Content

A modern person, regardless of the chosen field of activity, can rarely do without a university diploma. Educational loan – optimal solution for borrowers or their children planning to undergo training in programs offered by several banks in the country. The product has its own characteristics, advantages and disadvantages and is available to most Russian citizens. However, before starting the transaction, it is worth studying in detail the terms of the loan and debt repayment.

What is an educational loan

This type of lending is provided by individual financial institutions. Citizens receiving secondary or higher education can take out a loan professional education or undergoing special training courses. A student loan for education is provided as part of a targeted program. Some banks issue loans with state support, which provides significant savings to customers. An educational loan is provided both for the entire period of study and for a certain period of time.

A loan for studying at a university is available in two types of programs:

Consumer loan with an interest rate of 12% per annum.
A loan with state support, providing a reduced interest rate and special conditions.

To study at a university in the Russian Federation

All citizens over 14 years of age can receive funds for studying in Russia. There are targeted programs for specific banks and preferential loans with government subsidies provided by individual institutions. It is worth noting that the applicant must be enrolled in a university for the issuer to approve the application and provide a complete set of documents. Loans under targeted programs are issued on standard terms with collateral and insurance. A preferential loan with government subsidies does not require proof of income, collateral, etc.

Loan for studying abroad

Over the past few years, education abroad has become increasingly popular and accessible to Russians. A diploma from a foreign university opens up great opportunities for the graduate. However, it is almost impossible to get a budget-funded place in an educational institution in another country, especially for a Russian. Some financial organizations in Russia are ready to provide a loan to pay for tuition at a foreign university, not only in rubles, but also in other currencies.

Today this type of loan is issued in the following banks:

Intesa;
Citibank;
Russian standard;
Rosinterbank.

Where to get an education loan for students

Russians can get a targeted loan to pay for their education from several financial institutions. The most profitable option is considered to be a student loan from Sberbank, but it is more difficult to obtain than a loan from another bank due to the higher requirements of the institution. Loans within the framework of the targeted program are provided strictly for tuition fees in the amount of the invoice issued by the educational institution. Detailed conditions depend on the issuer.

With government support

Only students enrolled in certain specialties can receive money on preferential terms. In addition, the educational institution must work with this program. The borrower can be an applicant who has reached the age of majority or a teenager over 14 years old with appropriate permission from parents and guardianship authorities. Loans are not provided to minors taken into guardianship. You can get a soft loan for education at Sberbank or Rosinterbank, but this moment the program is temporarily suspended.

Among the advantages of an educational loan with state support, it is worth highlighting the following:

the opportunity to receive money without confirming income;
no collateral requirements;
extension of the debt payment period if necessary.

Bank loan

In addition to the preferential program, Russians can take advantage of special products from domestic banks. This loan option is available different categories citizens. The conditions depend on the specific financial institution:

Bank "Soyuz" - provides loans in rubles or US dollars in the amount of up to 100% of the cost of training.
Rosselkhozbank - offers educational loans up to 350 thousand rubles with the opportunity to extend the repayment period of the debt to 5 years.
Societe Generale Vostok - issues loans in rubles, dollars or euros in the amount of 45-750 thousand rubles.
Uralsib Bank - issues loans up to 1 million rubles under guarantee 1-2 individuals.
National Prombank – issues educational loans under the guarantee of the child’s legal representatives or collateral in an amount of up to 90% of the cost of education.
Baltic Bank is ready to provide Russians over 18 years of age with 20-200 thousand rubles to pay for education.
VTB 24 - provides educational loans with a maximum amount of 250 thousand to 3 million 600 thousand rubles. The loan is provided with a guarantee or without collateral.
Post Bank - provides an educational loan with a long repayment period in an amount of no more than 2 million rubles.

Check your loan options in the table:

Financial institution	Interest rate	Debt maturity
Rosselkhozbank	14% per annum
	17-19% per annum
Baltic Bank
Societe Generale Vostok
	10% per annum
National Prombank	18-20% per annum

Pochtabank		Up to 12.5 years

Terms of service

The parameters of the loan agreement depend on the selected bank. The maximum loan amount is in all cases limited to the cost of tuition and is calculated after providing an invoice from the university. It is worth noting that many banks are ready to provide no more than 90% of the course fee. The loan term is set individually; as a rule, it provides for a deferred payment of the principal debt.

Requirements for the borrower

To apply for an educational loan, the applicant must meet the issuer's requirements. The criteria may vary, but the main parameters of a potential borrower are as follows:

applicant or student of a Russian university;
minimum age – 14-18 years, but not older than 55-60;
registration in the region of circulation;
citizenship of the Russian Federation.

What documents are needed for registration?

An important condition for applicants planning to take out an educational loan is the availability of a complete package of papers. Failure to provide the required certificate may result in the bank deciding not to provide a loan to the applicant. To obtain an educational loan you need:

Service agreement between the potential borrower and educational institution and confirmation that the applicant has been accepted.
Passport, SNILS, INN of the applicant.
Documents confirming the permanent or temporary registration of the potential borrower.
Men liable for military service must submit papers from the military registration and enlistment office.
Completed application form according to the bank form.
A document from the accounting department of the applicant’s university with an invoice for payment of educational services.

In addition, applicants who have not reached the age of majority must provide additional documents:

birth certificate;
passports of guarantors (parents, legal representatives);
written parental consent;
permission from the guardianship authorities.

Features of an educational loan

This banking product has whole line differences and features. First of all, the loan is issued without a certificate of income, except in cases where the applicant receives a second education. Borrowers can begin repaying their debt only after passing educational course and return to work or starting from the third year of use borrowed money. Before this, the client makes contributions in the amount of accrued interest. You can get a loan only to pay for education at certain universities that are partners of banks.

Interest rate

The main advantage of educational loans is a small overpayment. By special programs financial institutions Relatively low interest rates are provided. However, the greatest savings are available to those who take out an educational loan with government subsidy. Under the preferential program, the overpayment depends on the refinancing rate of the Central Bank of Russia.

In addition, the percentage is influenced by which bank the client chooses:

The overpayment under the Sberbank program is calculated using the formula ¼ of the Central Bank refinancing rate + 3%.
At Rosinterbank, the overpayment on an educational loan is ¼ of the Central Bank refinancing rate + 5%.

Amount and repayment period

Loan amount by educational programs is established in accordance with the rules of the bank. The amount cannot exceed 100% of the cost of training, because financial institution transfers money directly to the university account. Some provide a loan with a mandatory down payment of 10% towards tuition fees. The repayment period depends on the chosen bank and ranges from 3-16 years. A preferential program with a subsidy from the state provides for deferment and total time The loan agreement is valid for up to 10 years after graduation.

Loan collateral

Preferential student loans do not require the provision of income certificates or collateral. If an educational loan is issued without government support, the issuer may require property collateral or a guarantee from individuals. Collateral is set individually, taking into account the loan amount, the borrower’s parameters and other terms of the transaction.

Education loan for students - application procedure

Obtaining funds to pay for education is different from traditional lending. The transaction is executed subject to the following chronology:

Passing entrance tests, admission to a university/college/technical school.
Selection of a bank from the list of university partners with the most convenient conditions for the client.
Collecting a complete package of documents for submitting an application (the list can be found on the website of the issuing bank).
Submitting an application through a branch of a financial institution.
Studying the terms of the loan agreement (if the decision is positive) and signing the papers.
The university receives funds for the borrower’s education.

How to repay a loan to study at a university

The preferential lending program allows for the repayment of the interest portion of the debt during the borrower’s studies, plus 90 days after graduation. The principal amount is paid for 10 years after the borrower obtains a profession and gets a job. There are programs that do not provide deferred payment. In all cases, the borrower has the right to repay the full cost of training or part in advance without additional fines and penalties.

Pros and cons of educational loans

Special educational loan programs have a large number of pros. Among the advantages of this type of loans, it is worth highlighting the following:

low interest rates;
no commissions;
deferment of debt payment;
government subsidies.

However, the product also has disadvantages. Among them it is worth noting the following:

large list necessary documents;
limited circle of partner universities;
non-resident students are prevented from obtaining a loan by lack of registration in the region of application;
deferment of debt repayment significantly increases overpayment.

Video

Found an error in the text? Select it, press Ctrl + Enter and we will fix everything!

Study loan with state support at Sberbank - is it valid in 2018 and its conditions?

A student loan from Sberbank and its conditions in 2018 will be discussed in this article. This program is popular among clients and many students have already used it.

Is it issued Sberbank loan for education in 2018?

Yes, such a program exists; the official website will soon be accepting applications from clients. Therefore, any applicant will be able to take advantage of this advantageous offer.

What's the news? On the renewal of an educational loan from Sberbank

Issuance of student loans was suspended for a short time, this fact caused panic among potential clients. But the provision of loans will be restored from December 1, 2018 and more problems should not arise. The cessation of accepting applications was due to the process of improving the conditions of state support for the loan.

Alternatives to an educational loan with state support from other organizations

Let’s be honest – you won’t find worthy alternatives from other organizations. You can get a regular targeted loan, but the interest on it will be at least 1.5-2 times higher. Therefore, you will have to contact Sberbank for a loan. However, work is already underway to introduce similar loans to other banks, and most likely it will be possible to exchange similar loans between banks.

Today, only this bank has the right to issue educational loans with government support. He regularly receives subsidies from the budget. The government will compensate part interest rate to make loan repayment easier for students.

Why choose this institution?

Why should you apply for an education loan for students at Sberbank? Let's list the main reasons:

You can get a loan from Sberbank with government subsidies;
Special conditions are offered for borrowers;
You will be able to gradually return the money;
It won’t take you long to collect the required amount to pay for training;
The loan is available for various clients;
Reduced rate offered;
Registration does not take much time;
The financial institution guarantees fair terms of cooperation;
The likelihood of approval is quite high;
There is no issuance fee.

Terms of Sberbank education loan for students

Loan terms:

Loan amount – up to 100% of the cost of training;
Interest – from 7.5%;
Duration of payment – training period + 10 years;
No need to provide collateral;
No insurance required;
There are no additional commissions;
There are no restrictions on the form of training.

The conditions for a student loan at Sberbank are quite simple. During your studies, you can only pay interest. The student is given a deferment to repay the principal debt.

Also, in the first year you can pay only 40% of the accrued interest. In the second year this parameter will be 60%. Starting from the third year, the borrower repays the interest in full.

What are the requirements:

Minimum age – 14 years;
Availability of Russian citizenship.

What papers will be required:

Questionnaire;
Passport;
Certificate confirming temporary registration;
Agreement for the provision of services in an educational institution;
A payment document from an organization for the transfer of funds.

Minors can receive a loan only with the permission of their legal representatives. If their answer is positive, you can go through the registration procedure at the bank; for this you need the following documents:

Birth certificate;
Passport of parents/guardians;
Permission from guardianship authorities;
Consent of the borrower's parents/guardians in writing.

How to get a loan?

How to get an education loan from Sberbank?

You need to select the nearest office of a financial institution.
Visit him and get an appointment with a specialist.
Provide a package of requested documents;
The employee will study all the papers;
Will accept the application for consideration;
It may take up to four days for your request to be reviewed;
Once the decision is made, staff will contact you;
If the answer is positive, you need to come to the office and sign an agreement;
The bank will transfer the funds to the account of the educational institution;
The establishment must confirm receipt of the money.

Collection of papers

Before visiting the office, you will need to collect a number of documents:

First of all, come to an educational institution.
Conclude an agreement with him, request a copy of the agreement and a payment slip for depositing funds.
If you live at the place of temporary registration, then issue the appropriate certificate.
Attach your passport and you can go to the bank office.

Redemption

Education loan repayment scheme:

During the course of study, the student pays only interest. In years 1 and 2 they decrease by 60% and 40%;
After complete completion of training, the client is given an additional deferment of three months;
Upon completion, the loan repayment process begins as usual.

Sberbank provides a deferment for the client to look for a job. You have enough time to find further employment and begin repaying the loan. Early repayment is also allowed without additional commission.

From December 1, 2018, you can receive a subsidy from the state for an educational loan. In this case, the benefit will be 2/3 of the Central Bank refinancing rate. That is, a student receives a student loan at a reduced rate. And he will have to pay for it only after training. Find out how to get such a loan, who can give it to you and how it works in this article.

What is an education loan and how is it different from other loans?

In essence, an education loan is an ordinary consumer loan. But it has several specific conditions.

First of all, it is targeted. Issued to a future student to receive education at a paid university;
The student does not receive any money in hand. They are transferred directly to the university account subject to a number of conditions;
One of the most important conditions to receive is successful study. Information about grades for the session is received by the bank at the end of each semester and, if the conditions for academic performance are met, the next payment is made. If not, the student is expelled or pays independently;
There is no need to pay the main interest and the “body” of the loan while studying. All calculations are made only after the graduate passes the final exams and starts working. Plus 3 months for adaptation. Payments already begin with the salary. During the course of study, banks in accordance with state regulatory documents may impose an obligation to pay only part of the accrued interest. This way, interest accumulates more slowly and payments are less significant.
Interest is calculated on the money actually paid to the university. But, since they are not paid, they are “refinanced” and added to the “body”. Thus, you then need to pay interest on interest as well.
Maximum amount - 7 living wages for a subject of the Russian Federation (Moscow - 15,397 rubles for 2018 multiplied by 7) and multiplied by the number of months of benefits, taking into account interest (that is, the maximum debt together with interest cannot exceed 7 minimums multiplied by the sum of the number of months of training and 3 months for adaptation at work ).

Who can get an education loan and what is needed for this?

The requirements are imposed not only on the borrower, but also on the university where he will study. If everything is more or less clear with the borrower, he is studied in much the same way as for obtaining any other loan (the availability of information about him in the credit history bureau, his biography is studied from the point of view of the police, his permanent registration at the place of registration, etc.) , then the university is assessed in terms of availability state registration and the likelihood that the graduate will get a good, well-paid job that will allow him to make payments. Sberbank and the Ministry of Education and Science (Ministry of Education and Science) even maintain entire registers of higher educational institutions that are eligible for loan benefits and for which they can be issued in principle.

In this regard, it is easier for the student and it's better to choose right away A more prestigious university (large Moscow ones, etc.), because you still have to pay a little right away, and the level of payment for a specialist who has graduated good university will allow you not only to quickly pay off your loan, but also to earn good money in the future, without wasting time on an average-quality education and related work.

Do I need collateral and a guarantor?

To obtain a loan from Sberbank, collateral (property, real estate, securities) and the presence of a guarantor are highly desirable. Similar preferences are expressed in other banks. However, in the absence of collateral and guarantors, the road to lending is not at all closed. In each individual case, the bank independently assesses its risks and if the recipient is satisfied with the candidacy, there are no requirements for the presence of collateral and a guarantor. Although, when considering a possible interest rate, their presence may play in favor of reducing it, because in this way the bank’s risks are reduced.

Do I need to pay extra myself, make a down payment?

As for the down payment, it all depends on the specific bank and the specific program. The maximum required down payment from practice is 20%. The minimum is zero. But in this case, the bank risks more and is forced to more carefully evaluate the prospective borrower.

Even with state support and related benefits, you still have to pay extra on your own. The minimum rates on such loans are 12%, in fact they can reach 17% - 19%, and the state can only guarantee 3/4 of the Central Bank refinancing rate. From March 26, 2018, this rate is set at 7.25%, so the benefit for an educational loan will be 5.437%.

Amount of state subsidy for educational loan

As has already been calculated, on average (if there is no decision to change the Central Bank refinancing rate), the state subsidizes 5.437% of the rate. Example - if a student receives a loan at a rate of 12% per annum, then in fact upon completion of studies the payments will be the same as for a loan at a rate of 6.563%. If at the time of registration the Bank of Russia decides to increase the base rate, then in this case (while maintaining 12%), the loan to the borrower will cost less - the state’s share in paying for university education will increase.

The total duration of the program is 10 years. It is assumed that it will be enough for training and to fully pay off debts. The bank’s agreement stipulates how many years the future graduate will have to pay off the debt; based on this, future payments will be established.

By the way, there is no point in hoping that the bank will go bankrupt within this period and there will be no need to pay. About it - . In addition, in the Government Resolution, the state guarantees banks a return of 20% of the amount of non-repaid education loans, thereby reducing risks and making the issue of participation in this program more attractive for banks.

Which banks participate in the preferential program and which universities can you enroll in?

At the time of writing, the only participant in the program was Sberbank. However, the upcoming Government Resolution should expand the list of participating banks. As well as the number of universities that will have the right to conclude trilateral funding agreements.