But the right of the state help has not everyone. Students aged till 28 years, successfully handed over admission examinations or already trained in high school can become borrowers only. By the way, on reception of the similar credit it is possible to count only once, but on all modes of study (day and evening).
However, means for long-term crediting are strictly limited, and allocated as at the expense of local, and state budgets. Let’s notice that among members of parliament the question on granting of privileges to students with children time and again made a reservation at paying for educational credits. And the corresponding bill this year all the same has been accepted. The confirmed document completely has released from the students having one child, from payment of percent. Besides, for parents that are having two children repayment by the state is provided 25 %, a three and more — 50 % of a total sum of a debt.
The problem in what to receive a concessional lending is not also simple. First, the budgetary sum suffices not all “contract employees” (today them are about 500 thousand). Secondly, not all private high schools willingly meet half-way planning to study at the expense of the state credit: till now the mechanism of transfer of means isn’t fulfilled. Thirdly, in case of bad progress of the borrower, as a rule, he is obliged to return the monetary investments listed for last semester. It is obvious that the most accessible to the majority of students still have a variant of financing of training within the limits of bank loans.
The educational credit is a product rather new to domestic banks. The majority of clients of financial structures if dares to take loans then in most of the cases it is for more prosy requirements. For example, it can be acquisitions of the car, furniture or home appliances. But experts of financial market mark gradual growth of popularity of loans on training, especially among persons interested to receive the second higher education.
It is interesting that students is more often resort to services of state banks, instead of private universities that is quite explainable: in case of a failure on competition on the budget they aren’t ready to pay training for the contract by own forces.
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