Translation. Region: Russian Federal
Source: Peter the Great St. Petersburg Polytechnic University –
An important disclaimer is at the bottom of this article.
Students who pay for their education have the opportunity to take advantage of an educational loan with state support.
What are the advantages of such a loan? The state pays most of the interest rate. Therefore, for a student, the rate is only 3% per annum. Moreover, it is valid for the entire term of the loan, and not just for the duration of the studies.
A loan can be taken to pay for any period of study – from one semester to the entire term. During the course of study and for another nine months after its completion, there is a benefit for loan payments. The remaining debt can be repaid within 15 years, but without benefits. Of course, if possible, you can repay the loan early without any fees.
The borrower under the loan agreement with the bank will be the student himself, so it is not necessary to provide a certificate of income – earnings are not important for receiving an educational loan.
And these are the documents you need:
original passport; original agreement on the provision of paid educational services with a university or college or its certified copy with a note that the copy corresponds to the original; receipt or invoice for tuition fees.
If the student is under 18 years old, the following will also be required:
original birth certificate; original passport of one of the parents; original written consent of one of the parents to enter into a loan agreement with the bank.
Before applying to a bank for a loan, sign an agreement with a university or college. It should indicate that you will be studying in a fee-paying department. Then come with your documents to an office convenient for youSbera(if you are under 18, then with your parents) or leave a request on the website.
If the loan is approved, the bank will credit the amount to your account and then transfer it to the educational institution's account. You cannot withdraw or spend this money. In case the university requires confirmation of the transfer, save the payment document.
Read more about how to apply for a loan and what to do with it if your circumstances change. Here.
Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.
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