Susidized Student Loan
Avantazhet
Kredi pa kolateral, në monedhën vendase LEK
Shuma minimale: 50,000 LEK
Shuma maksimale: deri në 10,000 EUR (ekuivalent në LEK)
Shlyerja e kredisë nga studenti do të fillojë në fund të periudhës së mospagimit ose në fund të periudhës së studimit dhe do të jetë maksimumi 3 vjet në valutën LEK.
Periudha e mospagesës është e detyrueshme të aplikohet sipas kohëzgjatjes së programit të studimit.
Who can benefit?
Funding is aimed at students resident in Albania who are pursuing:
- Bachelor (First cycle of studies - 3 years)
- Master (Second cycle of studies - 2 years)
- Integrated Studies (Integrated studies - 5 years)
- Medicine (Medical Studies - 6 years)
Note: Only students included in the official AKFAL list are eligible to apply.
Illustrative example for calculating the Effective Interest Rate of a Subsidized Student Loan (IEF)
- Currency: LEK
- Tenor: 60 months
- Loan amount: 330,000 LEK
- Administration fee: 5,000 LEK
Interest rate: State-subsidized student loan with a 6% interest rate, of which 1% is payable by the client after the study period (grace period) and 5% is subsidized by the State. During the study period, no interest is payable by the client.
Effective Interest Rate (EIR): 6.83%
This example is based on the maximum amount and longest tenor available for this product.
