Education Loan: उच्च शिक्षा के लिए बैंक से लोन कैसे लेते हैं

Education Loan: उच्च शिक्षा के लिए बैंक से लोन कैसे लेते हैं, कौन से डॉक्यूमेंट जरूरी होते हैं, जानिए सबकुछ

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उच्च शिक्षा के लिए किसी बैंक या निजी संस्थान से जो लोन लिया जाता है, उसे स्टूडेंट लोन (Student Loan) या एजुकेशन लोन (Education Loan) कहा जाता है.

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आमतौर पर भारत में 4 तरह के स्टूडेंट लोन होते हैं (Education Loan Types)-

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1- करियर एजुकेशन लोन (Career Education Loan) – जब कोई स्टूडेंट किसी सरकारी कॉलेज या संस्थान से पढ़ाई करके अपना करियर बनाना चाहते हैं तो करियर एजुकेशन लोन ले सकते हैं.

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2- प्रोफेशनल ग्रेजुएट स्टूडेंट लोन (Professional Graduate Student Loan) – ग्रेजुएशन की पढ़ाई पूरी करने के बाद आगे भी पढ़ाई जारी रखने के लिए प्रोफेशनल ग्रेजुएट स्टूडेंट लोन लिया जा सकता है.

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3- पेरेंट्स लोन (Parents Loan) – जब गार्जियन अपने बच्चे की पढ़ाई पूरी करने के लिए किसी बैंक या संस्थान से लोन लेते हैं तो उसे पेरेंट्स लोन कहा जाता है.

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4- अंडरग्रेजुएट लोन (Undergraduate Loan) – स्कूल की पढ़ाई पूरी करने के बाद ग्रेजुएशन की पढ़ाई देश-विदेश में करने के लिए अंडरग्रेजुएट लोन लिया जाता है.

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एजुकेशन लोन छात्र के नाम पर दिया जाता है. लेकिन आवेदक में माता-पिता या फिर अभिभावक का भी नाम होता है. आवेदन करने वाला भारतीय नागरिक होना जरूरी है.

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देश में पढ़ाई के लिए 4 लाख रुपये तक के एजुकेशन लोन पर किसी प्रकार की सिक्योरिटी जमा कराने की जरूरत नहीं होती है.

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