link to the original article http://h.ua/story/94623/
will be useful for those who today celebrated "Last call" at school 
debt - the only thing that truly connects you with people
Sergei Dovlatov
 |
| Author - Mazharka Irina |
study free of charge - it means learning from the state budget, in accordance with state orders. Unfortunately, wanting to study in higher education far more than it can finance the state, because the overwhelming number of them remains behind. " Those who were not lucky enough to get to the budget institutions provide the opportunity to study on a contractual basis, ie money. The charges for all period of study or to provide additional educational services established higher education institution in the currency of Ukraine, including officially designated inflation for the previous calendar year, and fixed in the contract, which may be determined order of fees once (full) or particles - monthly, posemestrovo annually. The amount specified in the agreement can not be changed during the entire period of study. Teaching in higher education institutions usually can not afford the average citizen, so the aid of loans for education.
loan education - a relatively new service on the market be a maximum of five years ago. For banks this service is associated with high risks, so it offers only a few financial institutions. Today in this sector taking the leading place "Privat", "Nadra", "Aval, Ukrsotsbank and give credit:" Imexbank "Mriya-Bank, First Credit Alliance, PRAVEX-BAN, Khreschatyk, AB Brokbusinessbank, Pivdenkom Bank.
the West's educational loan population is quite long. Successful development of the borrowings for the acquisition of knowledge in developed countries is largely determined by the existence of legislative base and support state. Ukraine lacks the first, and second, that does not contribute to the coordinated work of educational institutions, and state banks. However, active growing segment of credit education today many bankers predict.
 |
| Author - Svetlana wolfhound |
Forecasts forecasts, but still the same market participants consider that the average Ukrainian is not ripe for study by borrowed funds and explains the small number of special (only for training) loan programs. And each bank argues it's own way. According to Deputy Chairman of the bank "Contract" Paul Krapivina, Ukrainian consumers not yet ready to not only learn, but also relax, pay for health insurance, etc. - in other words, finance borrowed money intangible capital consumption.
Lending educational programs inhibits the desire for "free public education," which happened historically. On the other hand, the bank's important point is to verify the customer creditworthiness, ie, certificate of employment stating salary the last six months. Secured credit, may be real estate, vehicles and third party guarantee. Loans are for students Bank sufficiently risky operation and is designed for parents who will act as security in obtaining the loan.
experience of Western countries illustrates us a solid legal framework that protects all parties to the loan process. Banks act as intermediaries between the student and the state, and from special State funds covered interest rate reduction for students with high achievers. World experience shows that turnover of the largest market participants Educational loans are hundreds of millions of dollars a year. And in this case will benefit not only the bank - and win the state, and the borrower. In developed European countries have large-scale cooperative programs and state financial institutions to extend credit to education. Every year the number credit programs increases. On the one hand, this leads to an increase in profit the bank, on the other - as we already mentioned above, the interest rate reduction (And benefiting the borrower). In Ukraine, donors, banks, and special programs, which provided compensation to banking risks, not because credit is not always is beneficial to the borrower and the Bank for granting it is risky.
by foreign financial institutions could become a catalyst for the formation of new services in the product line of Ukrainian banks, and thereby leader of foreigners in the educational field. But while their priorities tend to concentrated on the highly profitable consumer credit and expanding the network. "Our first priority - to build an effective customer base and create branch network. Students certainly a very interesting target audience, but offers them may appear only at a certain stage of development bank, - Said of the reason for the relevance of educational credit bank UniCredit Bank Deputy Chairman Fedele Di Madzhyo, noting that most promising in bank lending see MBA programs.
in Ukraine bank that provides loans for education has full control of the target of the loan. Loans funds transferred to the account of the institution indicating the cashless payment details. Himself Eligible oformlyuvatysya as a student, and for parents. The main prerequisite is the ability of the client billing and registration at the location of the bank at least one year. This means that students from the regions wishing to study in the capital, must borrow money at home. And the fact that, while successfully joining the student will be forced to change the place of residence (At least in a dormitory), makes obtaining a loan for the applicant unrealistic.
Interesting and minimum permissible age for which the borrower is 21, which already excludes a loan for most students, after school, which is more than 18 years. Bankers admit such discrepancies, however, hope of success.
Today's portfolio of consumer loans banks that offer these loans share loans for education is less than 1% - much to solve it or not our readers.
Currently lending program for education similar to those that exist in Western countries (where the borrower begins to repay the loan immediately after graduation) in Ukraine.
For visual illustration here's a sampling of credit terms some banks:
AB Brokbusinessbank offers individuals take advantage of special service credit for tuition costs: "Credit to education."
With the new service, each student has the opportunity to choose for themselves the best option to pay for training, make the learning process as easy as possible, receive additional benefits: - fast loan - loan can be obtained without advance payment - the use of payment cards for payment outstanding loans - the possibility of early repayment - the availability of bank deals in the future. Loans are granted in the national currency for a period of 12 months at the rate of cost for each year of study. Interest rate on loan is 1.75% per month.
time fee of the bank for a loan; 1% of the loan. The maximum loan amount of 15 000 in Kiev, 10 in 000 cities with populations over 1 million, 7500 USD in the cities of regional significance, 5000 USD in towns, etc.. towns and villages.
PS However, I personally do not understand the expediency of the credit for one year. For people who can repay the loan with interest within one year, he, in principle, are not even needed. Apparently, the banks should develop a system where the student during training will pay only interest, then settling down to work, pohashatyme own credit. But even in the plans of the financiers of such projects does not.
State credit
Entrants who enter the university for study under contract, but unable to pay its own provision educational services, each year the opportunity to receive targeted preferential government loans for higher education. Credit is given only once a study by the same specialty for education and qualification of junior specialist, bachelor's, specialist's, master's in higher educational institution that operates on the territory of Ukraine. But the funds allocated by the state to provide preferential government loans is not enough for everyone.
Question of enroll students pay his education at the expense of long-term concessional loan committee to decide university institution at the request of the applicant the results of entrance examinations in accordance with the established quota. The order granting preferential government loans targeted for higher education approved by the Cabinet of Ministers of Ukraine.
REQUIREMENTS AND SKILLS
Trust preferential government loans for higher education for day, evening and distance learning in higher education regardless of ownership can get people Ukraine under 28 who have successfully passed the entrance exams or studying on any course of higher education. Applicants with orphans and children deprived of parental care, children from poor and large families, invalids of groups I and II have advantages similar results entrance exam among applicants who apply for higher education through a loan. In selecting applicants considered the following criteria as success, ability to master knowledge, participate in contests and more. Loan amount is determined each year by April 1, higher education institution state ownership, based on the cost of training (excluding grants) to the form of education and approved by the central executive power, which is subordinate to higher education. The loan is provided under an agreement between the recipient and leader of higher education institution. Form of Agreement approved by the Ministry of Education and Science of Ukraine. Where the borrower is a minor, the agreement entered into by parents or persons who replace them. When you reach age borrower pereukladaye general higher education institution. To deal with the borrower, and if he is a juvenile - the parents or persons who replace them, and submit to the university passport and certificate of state tax Administration TIN. Agreement is concluded in three copies - one each side, which concluded it. One copy agreement submitted by higher education institutions of regional community-owned Department of Education and Science Administration. The recipient returns credit and interest on him through university. The loan amount is returned with payment of 3% per annum for 15 years, starting from twelfth month after graduation in higher education each year with payment of one fifteenth of the total loan and interest earned for using it. Expelled from the university return the loan funds from the third month after deductions. If failure conditions of the loan agreement and avoid repayment university applies the measures for debt collection under the law.
borrower, who after graduation worked of at least 5 years in the public or communal establishment or institution in rural areas, credit and interest on them will not return, which is confirmed annually at the time of payment certificate of employment. The term of repayment for a period of emergency service the loan or stay in his vacation child care until the age of three.
Instead conclusions
Such loans are definitely the most profitable, but rarely advertise its presence, so we encourage to contact the selection committee of the state university for additional information in which they have no right to refuse you. Know Your rights, use them and higher education is accessible and quality.
Especially for students and their parents (guardians)
L. Muse
0 comments:
Post a Comment