Statul vrea sa ofere imprumuturi fara dobanda pentru educatie! Cum pot accesa tinerii programul

De Laura Galescu
la 31 Mai. 2018
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Statul vrea sa ofere imprumuturi fara dobanda pentru educatie! Cum pot accesa tinerii programul31Mai.2018

Statul vrea sa le ofere tinerilor imprumuturi fara dobanda pentru educatie, sanatate, sport si cultura. Printr-un program numit "Investeste in tine!", fiecare poate obtine un credit de maximum 40 de mii de lei, bani pe care trebuie sa-i returneze in 10 ani.

Desi multi spun ca este o masura buna pentru cei cu venituri modeste, riscul este sa se ajunga la o explozie a creditelor pe piata, dar si la majorarea taxelor pentru unele programe de studii.
 
Cheltuielile eligibile pentru programul "Investeste in tine!" sunt legat de domeniile educatie, cultura, sport sanatate, dar si locuinte. Mai exact, un astfel de credit se poate lua pentru plata studiilor de specializare, pentru plata chiriei sau pentru plata unor servicii medicale pe care statul nu le acopera in prezent.
 
Ce conditii trebuie sa indeplineasca posibilii beneficiari
 
Cei care doresc sa ia un credit trebuie sa fie in sistemul de invatamant, urmeaza cursuri sau vor sa isi schimbe specializarea. Pentru a obtine banii,  beneficiarii trebuie sa aiba varste cuprinse intre 16 si 55 de ani.
 
Acesti bani vor veni de la banci, statul plateste dobanda de 6%. 80% garanteaza statul, 20% persoana daca este angajata.
 
Pentru un astfel de credit de 40.000 pe cinci ani, cu dobanda zero, rata lunara ar ajunge la 667 de lei, arata calculele analistilor. in prezent, trei banci acorda credite pentru studenti, insa cu dobanzi de pana 10 la suta.
 
Programul ar putea fi adoptat saptamana viitoare, printr-un act normativ, de Guvern.

CITESTE SI: Cum poate fi sponsorizat un elev sa participe la concursuri scolare? Este deductibila aceasta sponsorizare?


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