If you want to study, you have to take into account considerable expenses. Almost every student is forced to rent a studio or other apartment. A good solution for obtaining additional funds may be a loan. What are the conditions for lending money? Is it worth using this type of loan?
Each student or doctoral student at universities and scientific units has the option of receiving one loan or credit. However, he must meet the income criterion, which is the basic condition for concluding the contract. In the 2016/2017 academic year, a maximum income was set not exceeding PLN 2,500 per person who entitles to receive a loan.
Students may receive a loan or credit for the period of study at individual universities or selected fields of study, and in the case of doctoral studies in particular fields of science, art and scientific or artistic disciplines, excluding:
Submits the application on the form determined by the bank. A loan or credit application shall contain:
It also contains the data required by the bank for the purposes of assessing the loan or loan repayment security, as well as the indicated monthly installment for the loan or credit. The application is accompanied by a certificate from the university or scientific unit confirming that the applicant for the loan or credit is a student. Information is also required about other continuing studies and about those that the student has completed.
The borrower has the right to a loan or a loan at second-cycle studies, without having to re-apply for them, provided he / she used the loan or loan at first-cycle studies.
The borrower also has the right to use them for doctoral studies, without having to re-submit the application, as before – if he used the bank’s services during uniform master’s studies, first-cycle studies or second-cycle studies.
Until the completion of studies or doctoral studies, the borrower presents to the bank – in order to confirm the status of a student or doctoral student – a valid student ID or doctoral student. It is presented twice a year, by March 31 and October 31 .