Educational Loan Savings Bank: da yanayi da kuma hanya domin bayarwa

Bari mu zama masu gaskiya. Ba kowa ba ne ya sani game da wanzuwar yiwuwar samun rance ga ilimi. Wannan shi ne saboda biyu, zuwa ga rashin kudi rubuce-rubuce da kuma low talla inganta irin wannan bashin da bankuna.

Menene ilimi na musamman, rance?

Kawai kowane goma mutum yin wani request ga banki domin kudi a kan ilimi (kamar yadda mai mulkin, mafi girma ilimi), shi yayi amfani da bashi horo. Kowane banki ne sha'awar bayar da abokin ciniki hanya mafi kyau "sauri rance", tare da mafi kyau zai yiwu sha'awa kudi. Na'am, kuma ba kowane kudi ma'aikata akwai sosai iya samun irin wannan rance.

Yana da muhimmanci a fahimci bambancin da ke tsakanin wani ilimi aro daga cikin saba, saba wa duk tsabar kudi aro. All iri bashin bankuna ya kasu kashi 2 iri:

• abokin ciniki na'am da kudi a hannunsa.
• waya yana canja wurin, kuma ake magana a kai a matsayin manufa.

Ga karshen, da sha'awa kudi ne ko da yaushe m. Kuma ilimi - wannan shi ne manufa aro.

Educational bashi a cikin Savings Bank

Educational rance Sberbank samar da shekara goma sha shida, bude shirin a 2000. A farkon, shi ne, ba rare, amma daga baya da yawan bayar da rance ga ilimi ya karu da yawa. A shahararsa shi ne saboda wani yawan abũbuwan amfãni musamman ga mafi girma a banki a Rasha:

• lamuntawa shirin ya shafi dukan manyan cibiyoyin a kasar.
• adadin rufe 100% na koyarwa kudade.
• 75% na refinancing kudi na abokin ciniki biya jihar.
• ba da ake bukata don jingina ko wajibi inshora.
• Sberbank ba laifi kwamitocin.
• balaga da fiye da shekaru goma, da kuma lokacin da horar da kawai da biya sha'awa.
• Loans bai wa dalibai, ba kawai da rana, amma kuma part-time da maraice siffofin.

A karshe aya ne musamman ban sha'awa, domin godiya ga shi ya zama haka rare shi bashi don ilimi. Babban taro na mutanen da shan ilimi rance ne ba da cikakken lokaci dalibai, da kuma mutanen da suka zabi rubutu ko yamma azuzuwan. Home ga talakawan borrower a cikin Volga yankin da Urals yankin (most yawan bashin dauka shi akwai).

List of makarantu

Kullum kara yawan cibiyoyin ga horo inda za ka iya shirya wani ilimi aro tare da Sberbank. List of jami'o'i hada da 128 sunayen. Daga cikin su:

• Lomonosov Moscow Jami'ar Jihar Lomonosov.
• Rasha University of Friendship na Peoples.
• Rasha ma'aikatar harkokin wajen kasar MGIMO.
• Bauman N. E. Baumana.
• Jihar Jami'ar Management (Sum).

Ma sun shiga cikin kwangila tare da banki mafi girma a jami'o'i na St. Petersburg da kuma sauran jami'o'i a fadin kasar, ciki har da Far East yankin. Ko da kuwa abin da irin makarantun da za a zaba, abokin ciniki iya dogara a kan musamman low sha'awa kudi. Duk wannan shi ne godiya ga taimako da ke jihar.

gwamnati tallafin

Rashin kasafin kudin wuraren da ba su ga kowa da kowa. An kanti don waɗanda suka ba su wuce ta da maki, shi ne mai sayar nau'i na ilimi. Don kara samuwar wannan model na horo, jihar goyon baya ga shirin sun dauka ilimi rance da aka halitta. Aiwatar da shi da kuma aka tsara don Sberbank. Educational aro tare da bayyana tallafin ne muhimmanci mafi m fiye da abin da bayar da kasuwar yanayi.

Support ne wani ɓangare na gwamnatin repays da overpayment na accrued amfani ga borrower. Ga wani ilimi aro na Sberbank na da adadin jihar tallafin daidai da uku bariki na yanzu refinancing kudi kafa ta Central Bank.

Misali: cikin kudi a kan aro da refinancing na 15% na CB kudi na 10%, abokin ciniki sami wani rangwame a kan Jihar 7.5%. Saboda haka, maimakon na 15 cikin dari da shi zai biya kawai rabin, watau 7.5%. Sauran adadin Sberbank Rama ga gwamnatin Rasha.

yanayi domin samun

Russia Sberbank hankali hade tare da hukumomi. An yi imani da cewa shi ne mai cikakken mallakar gwamnati. Wannan yana da ribobi da fursunoni. A undoubted amfani ne da cewa bankin ko da yaushe a sahun gaba bidi'a. Yana yana da damar yin amfani da araha, m jama'a kudi. Kuma godiya ga gigantic ikon yinsa, kuma wannan riba, zai iya tabbatar da yanayin da suke ba a cikin wani wuri don bayar da fafatawa a gasa.

Shin ba togiya da kuma ilimi bashi a cikin Savings Bank, da sharuddan da gaske sa mafi m idan aka kwatanta da sauran tayi. Don samun wannan rance, rance dole ne ka hadu da wadannan sharudda:

• zama wani dalibi a wani ilimi ma'aikata, aiki tare da Savings Bank.
• shekaru da shekaru 14 (har zuwa shekaru 18 na abokin ciniki bukatar co-borrower).

Jama'a suka yi ba kai da shekaru masu rinjaye, bukatar samar da wani rubuta yarda da wakilan da borrower, a haihuwa takardar shaidar, da ƙuduri na zamantakewa hukumomin.

Cash za a bayar a kan wadannan yanayi:

• kudin - Rasha ruble.
• sha'awa kudi a lokacin - 7,62% annum (batun jihar taimakon).
• rance da adadin ne daidai da jimlar kudin da ilimi (100%).
• balaga - har zuwa shekaru goma bayan samun digiri.

Duk wadannan yanayi amfani da ilimi bashi, ado da jihar goyon baya.

A hanya domin samun

A aro za a iya samu a reshe, dake a cikin yankin inda borrower aka rajista ko ilimi ma'aikata. Da zarar ado ilimin rance, rance Sberbank aika kudi da waya canja wurin a cikin ni'imar da ma'aikata da abin da borrower ya sanya hannu a kwangila. Biya an sanya sassa ga kowane semester.

biya nuances

A borrower ba sa biya akan bashi a lokacin farko da watanni uku bayan kammala horo, game da shi, samar da lokaci zuwa aiki. Bayan wannan lokaci, biya dole a sanya a cike. Kamar yadda aka ambata a baya, a lokacin da ainihin horo kana bukatar ka biya kawai sha'awa a kan aro. Kuma a cikin shekarar farko shi ne kawai game da 60% na adadin accrued amfani, a karo na biyu - 40%, sa'an nan a cika.

Yiwu farkon / m farkon biya. Domin wannan a rubuce sanarwa nuna kwanan wata da kuma yawan gudummawar, da ƙaramar daga wanda aka ba a tsare iyaka. Ƙarin ga wannan fee ba a caje. A wasu kalmomin, yin fita ilimi rance da jihar goyon baya, Sberbank yayi kokarin 'yanci da nauyin da borrower.

Ra'ayin: dauki shi ko ba?

Yaya batutuwan abokin ciniki da kuma gwani martani ga ilimi bashi a cikin Savings Bank? Comments da kuma ra'ayoyin manazarta na manyan kasuwanci wallafe nuna cewa sabis ne m, kuma ya jũya daga quite nasara.

A banki ta aro fayil ne kullum girma. A kashi na ba-yin rance a cikin wannan category kusa da gefe na kuskure. Akwai, ba shakka, a yawan gunaguni, amma suna da wani fasaha yanayi ko zo daga takaici abokan ciniki.

Daga cikin amfanin lura da cewa, yin fita ilimi rance, Sberbank ba ya bukatar wani harãji ne. Ga mai nema, wanda ya juya daga cikin misali halin da ake ciki, a lokacin da maki a kan jarrabawa ya bai isa ba, da kuma sha'awar samun wani diploma ba ya ɓata, irin wannan rance - shi ne real ceto. Kuma ga low-samun kudin shiga iyalai da wannan shawarar ne sau da yawa ne kawai daya.

An muhimmanci shawara a nan da kuma gudun (har zuwa kwanaki hudu), kuma an akai-akai da aka ambata low sha'awa kudi. Babban hasara na bashi ne da ake kira m jira lokaci "hisabi". Bayan duk, a kowace shekara horo fuskanci da ra'ayoyi dole lissãfi. Idan yanke shawarar ara ne har yanzu a lokacin, da abu daya ne wasu: na farko ya kamata a yi la'akari Sberbank na Rasha. Educational rance Akwai ne mafi riba.