On training banks yet so money, as, for example, on consumer goods, cars and an apartment willingly give. list of banks, offered to learn at their expense, is rather limited - no more than ten. Absence of a competition does not go on advantage to consumers, wishing to take advantage of this service: percent under credits not low, and to borrowers banks do not show special loyalty.

Interest rate depends on term on which credit undertakes, currencies of loan, form of acknowledgement of income, maintenance under credit and changes from 15 % annual up to 19 %. Is, truth, individual offers and under 11 % annual, but requirements which are put forward to borrowers in this case, very high.

Additional payments are present at many banks. Basically commission for delivery of such credit, conducting loan account, as a rule, 1 % from a total sum of loan is raised. In bank can ask to insure a life of borrower and disability that can manage in some 100-th percent from credit.

maximal size of money resources which bank can give out on formation, is limited to sum which borrower should bring for training. Money for hands do not stand out, and are transferred into account organizations in which borrower will study. Payment can be made and lumpsum, but, as a rule, money resources are translated by several parts (tranches). One tranche - for each semester of training. Thus, to borrower demand line of credit which can be suspended opens. On other hand, it is convenient also to borrower as if it for any reason cannot continue training, it will be necessary for it to return only those means which bank has already listed. At moment of academic holiday or service in army bank simply temporarily stops payments, however majority of credit organizations demands to pay percent under credit during this time.

Main feature of educational credits - an opportunity of a delay of payments on it up to end of training that is while borrower will not start to work. However such privilege banks give not all. Bank " Union " together with company " Crane " grants a delay for all term of training, and both basic duty, and percent on it. Bank " Sos`ete of Jeneral East " - only for two years. Savings Bank and Probusinessbank oblige to pay percent under credit.

Guarantee of that borrower will pay credit, there should be a guarantee of physical persons. More often as guarantors and borrowers parents act, they and pay for child. Probably, parents should do it only at first stage of payments. After student finds to itself comprehensible work on wages, it can pay off itself under credit. Alexander Usanova, head of a PR-direction of Open Company " Crane " considers what to find suitable work for their graduates of a problem will not make: " We work only with those high schools which are recognized leaders among higher educational institutions, therefore our graduates are very demanded and can count on worthy salary ". Nevertheless if such situation arises, to borrower detaining payment "individual" approach which provides a delay in payments under credit can be applied. But, as emphasizes Alexander Usanova, such opportunity in individual order stipulates. If also this approach does not help, in further all solves civil court. In opinion of Mrs. Usanovoj, " to spoil credit history in beginning of professional career hardly to whom it will want ".

In meantime it is possible to count up, how many to student trained on credit, it is necessary to give from future wages. We shall take training in one of popular high schools on a prestigious speciality. In this case future student should lay up sum about 30 thousand dollars. We take credit for maximal term (5 years) in roubles under 17 % annual. In this case payments under credit will make 750 dollars monthly. On existing norms, payments should not exceed 50 % from earnings of borrower. That it does not happen, graduate of high school should find to itself work with wages a minimum for 1,5 thousand dollars. Certainly, it is possible to be trained and on less prestigious specialities, but in this case and opportunity of high earnings considerably decreases.

  Source: Info Cash Loan (21.12.2006)