Profitable educational credit

Under a good higher education today, many Russians understand the existence of a diploma of a prestigious university. But how to get it, or rather, to pay, given the annual reduction in the number of budget places in the institutes - the question is rather complicated. If the parents do not have the opportunity to support the student: pay for his education, accommodation, entertainment, then you can try to borrow money. For example, the bank.

Educational credit is one of the opportunities to pay for an expensive pedagogical process, conducted under the guidance of highly qualified professors and associate professors. True, such a service is not very popular in the banks themselves, because, unlike traditional consumer loans, it is necessary to finance something immaterial - knowledge. And they agree, it's not a refrigerator or a washing machine, which you can later sell and help out the invested funds.

Realizing the reluctance of bankers to give money for study, in 1996, when considering the law "On Education", they first started talking about such a concept as an educational loan with state subsidies. Ten years later, a project corresponding to this idea was prepared by the staff of several serious structures - the Ministry of Education and Science, the Higher School of Economics, the Association of Russian Banks, the Russian Union of Industrialists and Entrepreneurs. Then it was suggested to give a maximum of 25 thousand dollars without collateral, which the borrower could return within 3-10 years after graduation from the institute. And he could not return - under certain conditions. The specific rate on the loan was not called, and it was stipulated only that the minimum interest would be chosen among the banks offered.

When it came to practice, educational loans remained for most people who wanted to obtain a quality higher education inaccessible. Banks, even on condition that the state was engaged in their careful selection, agree to give money only to adult Russians. And if 18 years have not yet been fulfilled, then we have to draw up all the papers with the co-borrower. If 25 thousand dollars is insufficient for training the amount, then a larger loan is also issued only with the participation of trustees.

In detail it is necessary to stop and on a question of credit rates. In Sberbank, an educational loan will cost the client an additional 12% per annum. Rosinterbank promises to finance training for 11-20% per annum, Rosselkhozbank - for 16%, and the Baltic Bank - for 19%. By the way, money for education is provided by fewer than ten domestic banks and only one company.

Of course, for many Russian families, an educational loan in this form is not the most desired one. Therefore, the situation is considered when the guarantor of the financial institution will be the employer. A labor contract could be concluded until the employee has paid. And in case of dismissal, the obligations to the bank are shifted to the youngest specialist. It was also proposed to "forgive" the loan if the graduate worked out a certain period of time for distribution. Bankers say that they do not mind meeting the state. But they expose their conditions, hinting at obtaining certain tax privileges and claiming the status of founders of educational institutions or at least members of supervisory and board of trustees.

So the question of how to get an educational loan remains very relevant. On the one hand, the state seems to be trying to help young people to become educated and in the future to get a job in prestigious work, on the other - it is not ready to part with some profitable places, statuses and other attributes of power.