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Credit for the training can get the citizens of the Russian Federation or planning to enroll in an educational institution on a fee basis or already students there.
Term of the credit - from 6 to 11 years. The credit may be issued in tranches in the amount of the tuition fee for the next semester and only subject to successful completion of the session. If the Bank cooperates only with a certain educational institution, the credit for studying in other Universities do
not give. The interest rate is from 10 to 19% per annum. Also a requirement of the Bank may be a portion of the cost of training their own (незаемными) means. As security for almost all banks accept the guarantee of Russian Federation citizens having a permanent source of income (for example, working parents).
Mainly credit is given under the guarantee of close relatives. Feature of this loan is that it is non-cash, i.e. the money to pay for the training of Bank transfers directly to the educational institution.
The government of the Russian Federation approved the concept of the experiment on granting educational loans. Now available student loans on preferential terms. In the course of training the student is not obliged to pay to the Bank the principal debt under the loan; in the first and the second year of using the credit student pays only a portion of the interest rate (40% and 60% respectively). Term of return of the credit after the completion of training in a higher educational Institution - from 3 to 12 years, depending on the lender. In addition, to obtain it is not required to pledge or guarantee, and in case of early retirement, no fee is charged. The maximum interest rate on such loans does not exceed 5% per annum. Get a soft loan shall have the right by the students!
Credits are granted on the state program of commercial banks, recognized agents (Sberbank of Russia, Bank «Soyuz»). The state program of educational crediting aimed at stimulation of students to teaching in demand on the labour market specialties (these are mainly technical and scientific-natural).
Unfortunately, the prices of paid education in higher education Institutions for many people remain out of the reach even with the ability to take control of the educational loan.
Tax deduction.
Social tax deduction on training can get the taxpayers, who, in the course of the past year have made the costs of their education, as well as on the education of their children up to the age of 24 years on the full-time form of training in educational institutions. But the deduction shall have the right to receive citizens, who provided tuition fees themselves, having a supporting documents and information about their income.
As well as the money to pay for training the lender shall transfer directly to the educational institution, the social deduction is not available.
However, the question of the extension of the tax deduction on the amount of interest paid on educational loans may be considered after the entry into force of the legal norms regulating the procedure of provision of educational credits.