Applicants and students of KBSU can get a loan for education with state support
There are many people who want to study at KBSU, but the number of budget places (the state pays for tuition) is limited. Applicants who do not receive the necessary points for admission can use a preferential educational loan within the framework of the agreement that operates between the Kabardino-Balkarian State University named after H.M. Berbekov and Sberbank PJSC.
According to the decree of the Government of the Russian Federation of September 15, 2020 No. 1448 «On state support for educational lending» (entered into force on January 1, 2021), citizens of the Russian Federation entering the Kabardino-Balkarian State University named after H.M. Berbekov, as well as students of KBSU — citizens of the Russian Federation, have the right to receive a preferential educational loan with state support.
In 2021, an educational loan is provided to the borrower at a rate of 3% per annum (with an aggregate interest rate of 14.4% per annum, the amount of 11.4% per annum on the loan provided to the student is reimbursed to the bank through government subsidies).
Loan repayment period — up to 10 years after graduation.
You can take a loan to pay for one semester or for the entire study at once
Early repayment of the loan by the borrower (in whole or in part) is possible at any time
GRAVE PERIOD: while studying, pay only interest, the rest will be returned when you start earning.
For the period of study and an additional 3 months, the borrower is provided with a deferral for the payment of the principal debt on the loan, as well as part of the interest payments for the first and second years and years of using the loan. In the first and second years of using the loan, the borrower pays only interest: in the first year — 40% of the accrued for the year, in the second — 60% of the accrued for the year.
Starting from the third year of using the loan, interest is paid by the borrower in full.
THE PERIOD OF THE LOAN REPAYMENT begins 3 months after graduation. The borrower pays the principal amount of the loan, current interest and unpaid interest for the first and second years of using the loan.
Who is given an educational loan
The main condition for obtaining a preferential educational loan is the existence of an agreement concluded with KBSU for the provision of paid educational services.
It is not only school graduates who can apply for a preferential loan, but also people who have already received a secondary or higher education.
A preferential loan can also be used by a minor person — with the consent of the parental consent and support. In the absence of a parent, the consent of the legal supervisor is required.
Documents required for processing a loan application
an agreement on the provision of paid educational services concluded with an organization carrying out educational activities, signed by an authorized person of the organization;
passport;
a certificate of temporary registration of a borrower who actually does not reside at the place of permanent residence (registration) is presented if available;
a questionnaire for filling;
the account of an organization carrying out educational activities in order to pay for the received educational services.
If the borrower is under 18 years of age:
additionally passports of legal representatives (s);
permission from the guardianship and trusteeship authorities for the borrower to conclude a Loan Agreement and take actions related to the fulfillment of obligations arising from this (including writing off the funds received against the loan for the intended purpose, issuing an order to the Bank for writing off funds to repay the loan);
written consent of the legal representatives of the borrower;
the birth certificate of the borrower.
WHEN SUBMITTING DOCUMENTS TO THE BANK
INSURANCE CERTIFICATIONS ARE NOT REQUIRED.
Benefits
Preferential loans are provided to students of KBSU:
— to pay for education in the main programs of secondary vocational education;
— to pay for education in the main programs of higher professional education (bachelor’s, master’s, postgraduate studies).
There are no restrictions on the form of study (full-time, part-time).
Loan security (collateral base) and insurance is not required.
During the period of academic leave, interest on the loan is not paid.
Monthly payments can be made in one go or used with an allowance, when the payment starts after you are out of school and leave for work.
The loan is provided in the form of a non-cash transfer of funds from the bank to the personal account of the university.
Credit can be spent for educational purposes only!
You can calculate loan payments on the Sberbank website https://www.sberbank.ru/ru/person/credits/money/credit_na_obrazovanie