Russia conducts a state program of educational loans, in which 3 banks have already agreed to take part. All of them are ready to subsidize these loans at a single rate equal to 2.5 percent of the annual. World Internet is developing very, very quickly, you can order almost anything you want through it – any goods from Orient, Casio and many others, the entire range of household appliances is literally online. Thanks to the Internet, you can always find out the latest news, currency courses, etc. Today in Russia a new program is being actively developing to promote such a phenomenon as educational loans. According to Putin’s plan, this program should be launched back in 2009, or more precisely, from the beginning of winter, from the first of December last year. Then a number of banks announced the readiness to participate in this action, among which the following banks were mentioned – Sberbank of Russia, Soyuz Bank and Rosselkhozbank. All of them are ready to participate in this program, presenting educational loans at a single rate, which is 2.5 percent per annum. The success of this program is guaranteed by the fact that its organizer is the state. It would seem that this is a win -win option for investing money, but organizations are in no hurry to invest in this program. In addition, the cans mentioned above have not yet settled the last details. From the latest news in this area, it is worth recalling the statement of Vladimir Miklushevsky. He is the Deputy Minister of Education and Science. According to him, in the very near future it is expected to conclude a number of agreements intended to resign relations with banks. After signing these agreements, banks will be ready to provide educational loans on very favorable and preferential conditions. The first results of this work were decorated at the very end of summer. On August 28, the rules were announced according to which such loans will be provided. A month later, the Prime Minister of Russia in. Putin outlined the date of launch of this program. As already mentioned, the launch of the program was scheduled for December 1, 2009, and the first results of the implementation of this program are expected by the spring of 2010. As expected, the demand for such loans will be very good, because today almost half of students studying in higher educational institutions of Russia are engaged in a paid basis. The ratio of the raiders to free people is as follows: 3.5 million against 4 million students. It is clear that the number of potential customers is very large, and therefore the money turnover in this segment is expected more than serious. It is worth recognizing that the current program is not the first attempt to attract parents to such loans. All the previous ones were unsuccessful, since the interest rates were very high, unlike the current program. The state, which acts as the guarantor of this program, provided an unprecedented interest rate equal to 2.5 percent. This figure is really impressive, since the average percentage of loans is approximately 15 percent per annum. But not everything is so simple, you do not have to think that the banks are so kind, just the state provides the banks involved in this program, many benefits and compensations. In particular, the state acts as a guarantor of payment of the fifth part of the amount issued as such loans. The state in the relations of students and banks acts as a guarantor, and students who want to get such loans do not need to have a connection and income of parents – the main thing is to study well. But such loans will be issued to students not in all specialties, but only to those that the Ministry of Education and Science will consider in demand in the current labor market. This list is quite impressive, it is posted on the Internet, this list can always be found along with such information as a feature pen in Russia’s offices, Russian institutions, etc. D.
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