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Facing financial crunch for higher studies? Opt for educational loans!
Posted by patilsuraj06 on January 4th Men's Nike Air Force 1 Low Red White Sale , 2017
If you are the one among those students who want to study higher but are facing financial crunch, then this is the time for you to go and apply for education loan.
These days, education loan is becoming quite popular because of increasing fee structure. It was in 1995 when the State Bank of India started this initiative. Later on, looking at its popularity, many banks started offering the same.
It wont be wrong to say that Education Loan For Study Abroad has come up as a blessing when fee structure has gone up enormously for higher education.
Recently Men's Nike Air Force 1 07 Low Gold White Sale , the RBI included education loan as part of the priority sector lending. This was a positive step. Meanwhile students should remember that it is just like any other commercial credit. Here, the banks have the discretion to chose whether to sanction the loans for students or not. The banks check the credit worthiness of students.
Eligibility for Education loan
Education Loan for Study Abroad are available to Indian nationals to pursue different approved courses leading to graduatepostgraduate degree and PG diplomas conducted by colleges. There are many professional and technical courses of repute which are considered for granting such loans. There are different loans which are also granted for courses in reputed foreign universities. Different expenses are also covered under education loan. They include fees payable, exam and library fees, accommodation charges, reasonable expenses for books and equipment such as computer Sale Mens Nike NSW Cortez Flyknit Black Gold , etc.
Finance limit
The finance amount is Rs. 10 lakh for studying in India and Rs. 20 lakh for studying abroad. Banks can also lend high amount in special cases at their own discretion.
Security issues
There is no security up to Rs 4 lakh; however, parents should be a joint borrower in this case.
For the range falling in between Rs 4-7.5 lakhs, there has to be parents’ collateral security which comes in the form of third party guarantee
For the funds above Rs 7.5 lakhs, parents have to be joint borrowers. There should also be a tangible collateral security of the suitable value which is required.
The Moratorium period for repayment includes the coverall course period and a year or 6 months after getting job, whichever comes earlier
Margin money is nil for loan up to Rs. 4 lakh. However Sale Men's Nike Air Presto Uncaged Ultra White Grey , it comes around 5 per cent and 15 per cent respectively for studying in India and abroad on loan above the ceiling of Rs. 4 lakh. At time when your loan amount is higher than Rs 20 lakh to study abroad, the overall percentage is calculated within in a margin of the required amount and the bank sets a ratio in this case.
The loan tenure is 10 and 15 years for loan up to Rs 7.5 lakhs and above respectively.
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Posted by sunainaram on March 7th, 2016
Everyone is blessed with beautiful skin at all ages. Notwithstanding, skin aging is inevitable at the same time. The process is rapid for some people and might start to show early signs of aging on their skin. Result – Badly stretched skin, wrinkles and dark spots.
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CANBERRA, Aug. 3 (Xinhua) -- Australia's peak scientific body, the Commonwealth Scientific and Industrial Research Organization (CSIRO) Women's Nike Air Presto BR Pink Sale , is severely lacking in climate scientists, according to a report released by the Australian Academy of Science on Thursday.
The Australian government began reducing its investment in climate science in 2014 under former Prime Minister Tony Abbott, but Trevor McDougall, the former CSIRO oceanographer who led the academy's review, said the government needed to overhaul the current system to avoid costly mistakes and progress vital research.
He said the review asks for 77 additional positions to be created - 27 of which are needed immediately - in the fields of climate observation and modeling.
"We've come to the conclusion that about 80 new positions are needed in order to provide the sort of climate information that the community Womens Nike Air Presto Burgundy Camo Sale , companies need in terms of understanding how their particular industry is being and is going to be affected by the changes that are happening," McDougall told Australian Broadcasting Corporation (ABC) radio on Thursday.
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