Een studielening is voor veel studenten onontkoombaar. Een studie kost een hoop geld en ook het leven daar omheen is natuurlijk niet gratis. Nu hebben de meeste studenten wel de mogelijkheid om te werken, maar dit mag aan de andere kant ook niet ten koste gaan van de resultaten. Per studie is het aantal uren dat men hieraan kwijt zal zijn daarbij verschillend, waardoor simpelweg niet iedere student zomaar een bijbaan kan gaan zoeken en op die manier rond kan komen. Voor iedereen die niet beschikt over gulle ouders en de tijd hard nodig heeft om te studeren is er daarom de studielening.
Het woord studielening schrikt veel studenten af. Er zit natuurlijk het woord ‘lening’ in verstopt en dat associëren de meesten al snel met iets negatiefs. De studielening is daarom dan ook niet populair tijdens de gesprekken in de kroeg of op de universiteit. Men dient het eigenlijk zonder deze lening te redden en op die manier in ieder geval geen schuld op te bouwen. Beginnen met een schuld wordt gezien als een achterstand en dat willen de meeste studenten natuurlijk niet. Toch zit een studielening op een aantal punten anders in elkaar dan een reguliere lening en is het daarom veel minder nadelig dan velen in eerste instantie denken.
Zo betaalt men over een studielening relatief heel weinig rente. Gemiddeld ligt de rente van een studielening zo rond de 3 – 3,5%. Per jaar wordt de rente natuurlijk opnieuw bepaalt, waardoor dit wel eens verschilt. Toch komt deze in principe nooit veel hoger uit, waardoor de te betalen rente niet veel hoger is dan de rente die men zou ontvangen op een spaarrekening, een aantrekkelijk tarief. Dit betekent dat de student relatief weinig kosten heeft aan de lening en op hetzelfde moment toch de beschikking heeft over meer financiële middelen om meer tijd aan de studie te kunnen besteden en geen lange dagen te hoeven werken.
Daarnaast bestaan er voor de studielening nog twee voordelen met betrekking tot het terugbetalen en het meedragen hiervan. Anders dan bij andere leningen wordt er van deze lening namelijk geen reguliere melding gemaakt bij het BKR. Dit betekent dat de bank of een andere geldverstrekker de studielening niet mee zal nemen wanneer het risico van een bepaalde geldnemer moet worden beoordeeld. Men zal daarom gewoon een reguliere lening aangeboden krijgen, zonder dat de rente hierop hoger is of er speciale voorwaarden aan verbonden zijn. Wat dat betreft heeft de student dus geen last van de studielening.
Bovendien kan de studielening heel flexibel worden terugbetaald. Allereerst krijgt men een paar jaar de tijd na de laatste uitbetaling om een goede, stabiele baan te gaan zoeken met een dito inkomen. Zodra dit gelukt is kan men gaan beginnen met terugbetalen en mag daar vervolgens 15 jaar over worden gedaan. Hierdoor hoeft iedere student maar een klein bedrag per maand aan aflossing te betalen en de rente is natuurlijk ook al laag. De kosten van de lening vallen daarom uiteindelijk sterk mee en wanneer men de lening om wat voor reden dan ook echt niet meer af kan lossen wordt deze vaak zelfs kwijtgescholden.
Weten mensen iets van studielening af!!!???
wanneer kan ik een studielening aanvragen bij ? :S
Weet iemand wat het aflossingstermijn is voor studielening die in 1996 is aangegaan? 10 of 15 jaar?
Whoa, in 2011 afstuderen loont! Rente studielening per 1 januari 1,39 procent, laagste sinds 1992!
Rentedragende studielening kind belemmering voor aftrek levensonderhoud bij ouder in Fiscaalrecht
nee dat’s je studielening ofzo moet je in 4-6 jaar slagen anders moet je terugbetalen
vooropgezet plan van en die de Jager, alle macht naar de banken
Denk goed na voor je een neemt:
Nieuws ‘Studielening in Breda voor mensen in bijstand’
Vervangen van studiebeurs door studielening slecht idee
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