Consumer Loan Items subject to loan

Type of loan security
The following types of collateral are offered against at least 125% of the loan amount:

• 
  Property as Security;
  
• 
  third-party guarantee;
  
• 
  other types of collateral provided by the Law.
  

Required documents

• 
  passport or other identity document;
  
• 
  duly executed certificate of income issued by the Employer and the document;
  
• 
  other documents providing loan repayment;
  
• 
  contract on the purchase of goods and services.
  

Student Loan

The loan is allocated for full-time, evening, part-time education in higher secondary specialized and professional educational institutions for students admitted to bachelor's and master's programs, including on the basis of a differentiated paid contract (supercontract), as well as transferred students.

Terms of loan

Student Loans available for students admitted

• 
  for up to 36 months, 20% per annum
  
• 
  for up to 60 months, 22% per annum
  

Students admitted to the Master's program
 for up to 36 months, 20% per annum
The loan amount is equal to the amount of the payment agreement (loans in the amount of up to 100 times the base settlement amount are provided under the guarantee of a third party or under a loan default risk insurance policy, loans for higher amounts are allocated against the security of property).

Type of loan security

The following types of collateral can be provided, in the amount of at least 125% of the loan amount:

• 
  third-party guarantee;
  
• 
  insurance policy against the risk of loan non-repayment;
  
• 
  property pledge.
  

Required documents

• 
  passport or ID card of the loan recipient;
  
• 
  a signed contract (agreement) on education a fee-and-contract basis between a student and a higher education institution and an attached payment sheet/invoice;
  
• 
  documents to ensure the repayment of the loan.