we were in touch of financial officer, she never told that anything will go wrong but today my file got rejected from SBI due to collateral issue that we have shops for rent and they declared it commercial property ... our home is already kept as collateral in SBI, we applied for education loan on that property only, ,,, wasted my 21000 and 4 months for this rejection...
Hi, Naresh! Glad you found the information helpful. For further guidance, you may connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Ushnish! Your Financial Officer will be able to guide you on that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Tushar! Commercial properties are generally not acceptable but we can try. Your Financial Officer would have discussed this with you today. Please reach out to her for further guidance.
Hi, Latha! Getting a loan of more than 2 crore is difficult but we can try. Non-agricultural land, house, flat, FD, insurance policy and govt. bonds are all accepted as collateral. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hi! Please watch this video on how collateral is valued for an education loan: th-cam.com/video/C1vbCwz8cGs/w-d-xo.html For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Akshay! Yes, they do. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hi Chandi! We will have to evaluate your profile to guide you on suitable loan options. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Aishwarya! We would need some more details to check their eligibility for an unsecured loan. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My loan was rejected by three government banks due to legal issues in collateral i.e. no OC. I urgently require a loan sanction to send my proof of funds to my school. Do NBFC's accept these kinds of properties for a secured education loan?
Hi Deepti, yes your maternal aunt can be your co-applicant. However your parents CIBIL score will also be checked. For further guidance please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
No even though your co applicant has good cibil score. Your file will be reject. Here .. we just get hope not finance..so if possible the go for self fund. We make scholler will not help you anywhere.
I dont have the option to opt for a govt bank because my father has a home loan from HDFC and I am willing to take a education loan for MBA from UK on the same collateral. I have a question. 1. Will HDFC 'Credilia' accept the same collateral, are they going to say your property is with 'HDFC Home loans' thats a completely different subsidiary of HDFC.
Hi, Mustakim! You can take an education loan from a government bank if you have a home loan in HDFC. You may watch this video on how collateral is valued for an education loan: th-cam.com/video/C1vbCwz8cGs/w-d-xo.html For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hey Vishal! You can apply for an education loan but then the approval will depend on your past repayment history. Banks generally don't want to take any risks so they might go through your repayment history and then decide based on how much amount was written off. We can talk to your desired lenders and make the process easier for you. You can connect with our financial officer here: bit.ly/48cTdcR.
Hi, Latha! It is the same as mentioned in this video. Some government banks accept a CIBIL score as low as 600. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi Ankush! You could speak to our loan officers about it. They will try to dig below the surface and exactly understand what went wrong and whether there is any way out. The reasons for the low CIBIL score are quite important. Many times we have negotiated for students whose co-applicants had CIBIL scores as low as 600. You can sign up for a discussion with our team here: bit.ly/3KLb0zu
Hi, Arun! Yes, you can get an education loan for your Master's in Hungary. Padho Pardesh is a subsidy scheme. You may watch this video on subsidy schemes for further details: th-cam.com/video/EVDN0RvPF30/w-d-xo.html If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hi, Dharun! We would have to evaluate all the parameters to determine your exact loan eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi Rishab! In all the bank's instructions, 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get approval for lower percentages. We can try that. I suggest you request a callback on this link: bit.ly/education-loan so that the financial officer can help you with the same.
Hi Mayank! If a person has never taken any loan then his/her CIBIL score will be either 0 or -1. The minimum CIBIL score that banks require for your co-applicant is 685. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hey WMS I have one doubt that my father's name is different on his documents and different on mine it's like SHRIRANGRAO On my documents and SHRIRANG on his documents does it affect my education loan process please let me know
Hi, Yogesh! It shouldn't be an issue but you will have to provide an affidavit for it. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam in class 12th minimum requirement is aggregate of PCM or all 5 ot 6 subjects ? ( i have 57 , 54 and 56 - PCM ) but i wanna pursuing bachelor's from germany ( for computer science program ( informatik pratices score - 91 ) ) can i get an education loan
Hi, Ayush! It is your final total percentage. In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
Hi, Rushi! Glad you found the information helpful. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hi! Yes, missed payments are a common reason for loan rejection. We would have to evaluate your profile to determine your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My coapplicant would be my brother and he has never taken any loan etc. He has strong ITR etc. in this case will low cibil score of my father affect my loan process?
i need education loan of 6-7 lakhs..i approached we make scholars team and then they pass my case to Vidyaloans and Vidyaloans are charging 11800 rs. as their fee of services...so technically how we make scholars is providing free of cost services ?
Hi Vital, WeMakeScholars is associated with different banks and NBFCs that offer non-collateral education loans to students. We can directly help you with the Govt. banks for collateralized loans above 7.5 lacs. But, Govt banks also offer non-collateral loans for amounts below 7.5 lacs, for which we are not authorized to handle applications directly. As many students started asking for assistance about the same, we have recently onboarded VidyaLoans to serve such students. VidyaLoans is a paid service and it is your decision to opt for it or not. Going via them makes it easier for such 7.5 lacs below loans as they have the expertise for the same. We are working with VidyaLoans ONLY for such cases of 7.5 lacs non-collateral from GOVT banks.
Hi Vital, WeMakeScholars is associated with different banks and NBFCs that offer non-collateral education loans to students. We can directly help you with the Govt. banks for collateralized loans above 7.5 lacs. But, Govt banks also offer non-collateral loans for amounts below 7.5 lacs, for which we are not authorized to handle applications directly. As many students started asking for assistance about the same, we have recently onboarded VidyaLoans to serve such students. VidyaLoans is a paid service and it is your decision to opt for it or not. Going via them makes it easier for such 7.5 lacs below loans as they have the expertise for the same. We are working with VidyaLoans ONLY for such cases of 7.5 lacs non-collateral from GOVT banks.
Hi, Advait! Yes, you can. For guidance on the same, you can connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Will I be able to apply loan if I had 1 year back in past I am now regular student pursuing my final year whether now can I apply ,ma'am ? Its first time I am applying for loan btw
Hi, Nikhil! Yes, you can. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Kim! We would have to evaluate your profile to determine the best loan options for you. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Tushar! Yes, CIBIL score is an important criteria which is considered for the loan. We would need some more details to help you with this. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
You are doing great great help for the students.. I want to ask that if student 10th score is 56% & 61% of 12th and in degree have more than 70% then there's possibility of rejection of the education loan... Who evaluate the civil score and when in loan process..? Please ans me.. Thanks a lot WMS..!
Hi, Deepanshu! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan The CIBIL score is evaluated by the credit team.
@@WeMakeScholars Ma'am i have secured more than 70% in 10 and 12 but have 56% in graduation in which i had arrears and had completed my 5 year course in 7 yeara due to some personal circumstances. In such a situation, i have applied and hope to get a good university within top 25 of usa in my chosen field. In such a situation will the banks reject my loan application still?
@@aishwaryasingh6859 Hi Aishwarya, We will have to analyse your profile to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi! We would have to evaluate your profile to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Prachi! These are all standard details asked by the banks for an education loan application. However, you may share your contact details and city/state to hello@wemakescholars.com and we'll arrange for a callback.
mam , are you talkingabout active backlogs ? cause I haded 10 backlogs which I cleared in that graduation period only .will I be eligible for unsecured loan?
Hi! If the backlogs were cleared within the course duration, our team can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Subhra! Yes, we can help you with that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
I wanted to go to America for higher study before but now I think I will go to Australia I think I should cancel to reapply could you please help mam some error showing
Mam I have 58 percent marks in 12 I got select one of the premier b school in India and getting SBI scholar can they reject my loan on basis of my 12 marks I am just curious because such thing is not mentioned in there eligibility criteria for getting SBI scholar loan
Hi, Swapnil! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. We would have to evaluate your profile to determine the best loan options for you. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi! For an unsecured loan, the co-applicant should file ITR. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Ma’am my cibil is 701 as of now and had some serious issues in 2021 where I was unable to pay my debts, my debts has been paid off and my parents cibil profile is very strong and we do have a collateral as security can i get a abroad education loan ?
Hi Shuaeb! We will require a few more details to check your loan eligibility. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
I have cleared 1st semester fees of my college on my won, I need education loan for rest of the course fees, So what should I do with the loan amount required.... Please help me with this mam
Hi, Pratibha! You can take an education loan if you already have a personal loan. However, we would need to evaluate the co-applicant's complete financial profile to confirm that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
@@pratibhameshram6205 Alright, please fill up the application form on this link so the Digital Team can help you with a quick loan process: www.sbieducationloan.co.in/
Hey hi, I had gre 320 dulingo 115 and btech 64.5 and co applicants cibil is also good but i had 20 backlogs in btech which we count in us format, Do I get a educational loan?
Hi Ravi! If the backlogs were cleared within the course duration, our team can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Dilpreet! Your mother's sibling or father's sibling can be your co-applicant. However, their spouses can't be. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
@@atulkushwaha1927 Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi mam I need 4 lac unsecured loan for.study abroad but my mother and father has not credit history in the past because they did not need credit in past so on this bases can I get education loan?
Hi, Raval! Yes but we will need some more details to check your eligibility for the same. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
If I have low percentage in class 12th which is 47% but good percentage in class 10th (95%) and decent percentage in college which is 71% without any backlogs, will my sbi global edvantage loan application be rejected?
Hi Parth! In all the bank's instructions, 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get approval for lower percentages. We can try that. I suggest you request a callback so that the financial officer can help you with the same.
Hi, Tanisha! The CIBIL score is fine but we would have to evaluate all the parameters to check your eligibility for the same. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam,My cibil is 580 due to my loan in U.G studies but this month I closed my loan with full payment.Can I get any secured loan from any private banks or nbfc?? And also my Co-applicant cibil profile is strong. Can I get loan?
Hi Wickey, the above mentioned CIBIL score is quite low, and is therefore rejected without a second thought in most instances. Maybe you could speak to our loan officers about it. They will try to dig below the surface and exactly understand what went wrong and whether there is any way out. The reasons for the low score is quite important. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Good evening mam, i just wanna ask my father has never taken any loan or credit card he has no credit score till now , will that effect my secured education loan from public bank like BOB having our residential house as collateral?
Hi! If the co-applicant has never taken a loan or credit card, that reflects well on his financial profile. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hello mam, I have got 54.3% in 12th PCM, will I get a loan of 7.5 lacs?? I Have already sumbit my file in SBI. But now your team is telling that minimum requirenment is 60% for loan. However I got selected on Merit after entrance exam n interview round. My joining date is is 1st june. I am in trouble mam. Please help me urgently...
Hi, Abhishek! Don't worry. Our team is working on your profile to get it approved. Please feel free to reach out to your Financial Officer for any questions.
Hlo. my father got loan 10 years ago... Nd he didnt remember that it is done or not.. but now i need edu loan. is that cibil score affect my file if its not done ?? 😢
Hi, Ramgharia! We will need to check the CIBIL score and financial profile of the co-applicant to confirm your eligibility. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My mother civil score is 730 by all civil company. My father civil is 656 by cibil, 456 by high mark, 670by both equifex and experia. In my father cibil score which is to be considered by financial company and can I get loan of 30lak Pizza reply thanks
Hi, Mani! Some banks can consider a CIBIL score as low as 600. We will need some more details to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Aman! We can help you out with this after evaluating your profile. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, Aakash! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
Hi, Veeshnu! It is difficult but your Financial Officer can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Tanya, I just checked out and could see that our financial officer Subha Biswas had tried calling you twice today at 4:13 pm. But, unfortunately, you didn't answer. He also had left you a WhatsApp message asking you to callback. Anyway, pls check your miscall and call him back tomorrow.
@@tanyakhanna1335 It was on this number 920XXXX528. Pls check again and confirm once. Also, do check your email tanyakhannaXXXX@gmail.com and also an SMS was sent to you.
Hi, Anamika! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
@Nishan 07 Hi, Nishan! You will need an admit to get your loan sanctioned. However, you can start the initial loan process by requesting a callback here: bit.ly/education-loan
Hi, Milan! Glad you found the video helpful. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hello mam I'm bca student and I'm planning to go canada for pgdm or masters but my father is autodriver and i have issue with my property paper they don't have na noc title clear so basically I'm not capable to get secured education loan so now i go for the unsecured loan with hdfc credilla but same as i ask you my father was an auto driver so it is possible they give me loan for abroad like 15 lakhs to 17 lakh. If not so please tell me what can i do for study in abroad because i have too many dreams for Canada please 🥺❤️
Hi Yash, we will have to evaluate all the parameters to check your eligibility. For further guidance please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi ma'am I have some doubts about CIBIL score of my parents Actually I want to know that if CIBIL score of parents are not that good then can I get an education loan for MBA , will CIBIL score of my parents affect my education loan process ? Could you please clarify my doubts ma'am But Ma'am I'm gonna take an education loan then how can my parents CIBIL score affect my education loan eligibility ? Please reply ma'am
Hi, Naresh! Yes, as mentioned in the video, the co-applicant has to have a good CIBIL score. Some government banks can accept a CIBIL score as low as 600. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hello Mam, I have a query about education loan- I have 10 years study gap and aspire to PG certificate in Canada in university/college. I have an account in PNB and there I have 5 lac FD. Can I take 10 Lac loan against my FD and what are the possibilities ? Thanks in advance.
Hi, Nitish! The gap needs to be justified properly. What you were up to during these 10 years, will be asked by the bank. Also, if it is a medical reason, it will be accepted by the bank. As per bank norms, they cannot deny a loan for GAP as the reason. The FD has to be transferred to the bank you are taking the loan from. In a partially secured loan offered by some private banks, you can take a loan of a higher amount than the collateral value but for this you have to meet all the eligibility criteria of the bank. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
@@WeMakeScholars Thanks! I have work history throughout and hope this will be well justified. I need to have only my tuition fees which could be 10-11 Lacs. Also I have the FD in same bank from where I am planning to take loan.
Hi Sairaj, The education loan product of Bank of Maharashtra is not very competitive compared to the other options in the market. I think it will be a better idea to speak to your financial officer to see which bank will offer you the best terms. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
we were in touch of financial officer, she never told that anything will go wrong but today my file got rejected from SBI due to collateral issue that we have shops for rent and they declared it commercial property ... our home is already kept as collateral in SBI, we applied for education loan on that property only, ,,, wasted my 21000 and 4 months for this rejection...
Hi Siddharth! Hope our team got in touch with you regarding the same.
We are waiting for this video 🙏 mam thanks for your dedication.
Hi, Naresh! Glad you found the information helpful. For further guidance, you may connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Can you help me with how I can get an idea of my CIBIL score ?
Hi, Ushnish! Your Financial Officer will be able to guide you on that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Is commercial property (shop/godown) can be accepted as a colleteral or not?
Hi, Tushar! Commercial properties are generally not acceptable but we can try. Your Financial Officer would have discussed this with you today. Please reach out to her for further guidance.
What type of colateral is required for loan more then 2cr
Hi, Latha! Getting a loan of more than 2 crore is difficult but we can try. Non-agricultural land, house, flat, FD, insurance policy and govt. bonds are all accepted as collateral. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
What will be the govt value of 30 lkh land records?
Hi! Please watch this video on how collateral is valued for an education loan: th-cam.com/video/C1vbCwz8cGs/w-d-xo.html For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Do banks require CIBIL score if we use collateral?
Hi, Akshay! Yes, they do. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
MY father's cibil score is 638.
And my father filing ITR from last 3 years and it's around 6-8 lakh rs per year. We don't have any colletral.
Hi Chandi! We will have to evaluate your profile to guide you on suitable loan options. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi , my friends unsecured loan got rejected both from hdfc Credila and Incred. Can you please help us in this situation?
Hi, Aishwarya! We would need some more details to check their eligibility for an unsecured loan. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My loan was rejected by three government banks due to legal issues in collateral i.e. no OC. I urgently require a loan sanction to send my proof of funds to my school. Do NBFC's accept these kinds of properties for a secured education loan?
Hi, Tushar! Please share your WeMakeScholars registered email address so we can locate your profile.
tussharnemade@gmail.com
@@tusharnemade Your Financial Officer will be contacting you shortly to guide you further.
What if both mother and father's credit history is not good?Can any other relative like maternal aunt be co-applicant
Hi Deepti, yes your maternal aunt can be your co-applicant. However your parents CIBIL score will also be checked. For further guidance please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
No even though your co applicant has good cibil score. Your file will be reject. Here .. we just get hope not finance..so if possible the go for self fund. We make scholler will not help you anywhere.
I dont have the option to opt for a govt bank because my father has a home loan from HDFC and I am willing to take a education loan for MBA from UK on the same collateral. I have a question.
1. Will HDFC 'Credilia' accept the same collateral, are they going to say your property is with 'HDFC Home loans' thats a completely different subsidiary of HDFC.
Also, which value of the collateral is considered on paper value or the market value?
Hi, Mustakim! You can take an education loan from a government bank if you have a home loan in HDFC. You may watch this video on how collateral is valued for an education loan: th-cam.com/video/C1vbCwz8cGs/w-d-xo.html For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
I have a writt off of personal loan, and applied for the loan. But my co applicant has no issues, will I get an approval or it will get rejected
Hey Vishal! You can apply for an education loan but then the approval will depend on your past repayment history. Banks generally don't want to take any risks so they might go through your repayment history and then decide based on how much amount was written off. We can talk to your desired lenders and make the process easier for you. You can connect with our financial officer here: bit.ly/48cTdcR.
Mam what about the cibil of a business man.
Hi, Latha! It is the same as mentioned in this video. Some government banks accept a CIBIL score as low as 600. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
hi as I am living abroad I cant use this callback option looks like. Can you let me know how to contact you?
Hi, Dipayan! You may write to us at hello@wemakescholars.com . The team will get back to you.
Mam i want 4 lakh loan my % is above 60% but my parents cibil score is too bad can i get a loan? Plz tell
Hi Ankush! You could speak to our loan officers about it. They will try to dig below the surface and exactly understand what went wrong and whether there is any way out. The reasons for the low CIBIL score are quite important. Many times we have negotiated for students whose co-applicants had CIBIL scores as low as 600. You can sign up for a discussion with our team here: bit.ly/3KLb0zu
Can I get loan for master program in Hungary under Pardo pardesh scheme. Kindly tell me
Hi, Arun! Yes, you can get an education loan for your Master's in Hungary. Padho Pardesh is a subsidy scheme. You may watch this video on subsidy schemes for further details: th-cam.com/video/EVDN0RvPF30/w-d-xo.html If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
how much can I get from the bank for doing MS in US, but I am having undergraduate loan of 3lakhs,
Hi, Dharun! We would have to evaluate all the parameters to determine your exact loan eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
ma'am you guys take 60% minimum in 12th of complete subjects or only for Pcm or pcb subjects?
Hi Rishab! In all the bank's instructions, 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get approval for lower percentages. We can try that. I suggest you request a callback on this link: bit.ly/education-loan so that the financial officer can help you with the same.
What if the co applicant has never taken a loan
What should be his CIBIL score
Is there any chance of rejection
Hi Mayank! If a person has never taken any loan then his/her CIBIL score will be either 0 or -1. The minimum CIBIL score that banks require for your co-applicant is 685. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hey WMS I have one doubt that my father's name is different on his documents and different on mine it's like
SHRIRANGRAO On my documents and SHRIRANG on his documents does it affect my education loan process please let me know
Hi, Yogesh! It shouldn't be an issue but you will have to provide an affidavit for it. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam in class 12th minimum requirement is aggregate of PCM or all 5 ot 6 subjects ? ( i have 57 , 54 and 56 - PCM ) but i wanna pursuing bachelor's from germany ( for computer science program ( informatik pratices score - 91 ) ) can i get an education loan
Hi, Ayush! It is your final total percentage. In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
Thanka a lot for giving this information
Hi, Rushi! Glad you found the information helpful. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
I applied a loan in boi in 2 nd year they rejected my loan due to i had arrear what can i do now mam pls tell me..?
Hi! Yes, missed payments are a common reason for loan rejection. We would have to evaluate your profile to determine your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My coapplicant would be my brother and he has never taken any loan etc. He has strong ITR etc. in this case will low cibil score of my father affect my loan process?
Hi, Adiba! Your Financial Officer will be getting in touch with you shortly to help you with this.
i need education loan of 6-7 lakhs..i approached we make scholars team and then they pass my case to Vidyaloans and Vidyaloans are charging 11800 rs. as their fee of services...so technically how we make scholars is providing free of cost services ?
Hi Vital, WeMakeScholars is associated with different banks and NBFCs that offer non-collateral education loans to students. We can directly help you with the Govt. banks for collateralized loans above 7.5 lacs. But, Govt banks also offer non-collateral loans for amounts below 7.5 lacs, for which we are not authorized to handle applications directly. As many students started asking for assistance about the same, we have recently onboarded VidyaLoans to serve such students. VidyaLoans is a paid service and it is your decision to opt for it or not. Going via them makes it easier for such 7.5 lacs below loans as they have the expertise for the same. We are working with VidyaLoans ONLY for such cases of 7.5 lacs non-collateral from GOVT banks.
Hi Vital, WeMakeScholars is associated with different banks and NBFCs that offer non-collateral education loans to students. We can directly help you with the Govt. banks for collateralized loans above 7.5 lacs. But, Govt banks also offer non-collateral loans for amounts below 7.5 lacs, for which we are not authorized to handle applications directly. As many students started asking for assistance about the same, we have recently onboarded VidyaLoans to serve such students. VidyaLoans is a paid service and it is your decision to opt for it or not. Going via them makes it easier for such 7.5 lacs below loans as they have the expertise for the same. We are working with VidyaLoans ONLY for such cases of 7.5 lacs non-collateral from GOVT banks.
Hello ma’am
Can I apply for unsecured loan from Darjeeling also?
Hi, Advait! Yes, you can. For guidance on the same, you can connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
mam how can we cancel eduaction loan
Hi, Sujay! Please contact your bank. They will guide you through it.
Will I be able to apply loan if I had 1 year back in past I am now regular student pursuing my final year whether now can I apply ,ma'am ? Its first time I am applying for loan btw
Hi, Nikhil! Yes, you can. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hello Mam, I need 7.5 lakh education loan without collateral from State Bank Of India for embassy requirements can you guide me?
Hi, Kim! We would have to evaluate your profile to determine the best loan options for you. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam, my education loan is get rejected due to bad cibil of my parents!! What i do now??
Hi, Tushar! Yes, CIBIL score is an important criteria which is considered for the loan. We would need some more details to help you with this. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
What was your cibil score
@@adarshsurendran7648 Hi, Adarsh! For guidance on your education loan process, please request a callback: bit.ly/education-loan
You are doing great great help for the students..
I want to ask that if student 10th score is 56% & 61% of 12th and in degree have more than 70% then there's possibility of rejection of the education loan...
Who evaluate the civil score and when in loan process..?
Please ans me..
Thanks a lot WMS..!
Hi, Deepanshu! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan The CIBIL score is evaluated by the credit team.
@@WeMakeScholars Ma'am i have secured more than 70% in 10 and 12 but have 56% in graduation in which i had arrears and had completed my 5 year course in 7 yeara due to some personal circumstances.
In such a situation, i have applied and hope to get a good university within top 25 of usa in my chosen field.
In such a situation will the banks reject my loan application still?
@@aishwaryasingh6859 Hi Aishwarya, We will have to analyse your profile to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Then where can I get an educational loan?!! 🙄🥺
Hi! We would have to evaluate your profile to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
mam i requested for call but why do u ask for pan card no. and other imp
details for call
Hi, Prachi! These are all standard details asked by the banks for an education loan application. However, you may share your contact details and city/state to hello@wemakescholars.com and we'll arrange for a callback.
mam , are you talkingabout active backlogs ? cause I haded 10 backlogs which I cleared in that graduation period only .will I be eligible for unsecured loan?
Hi! If the backlogs were cleared within the course duration, our team can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Ma'am can you help me to get a loan to study abroad without collateral because my parents don't have any property to put. Please reply.
Hi, Subhra! Yes, we can help you with that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
I wanted to go to America for higher study before but now I think I will go to Australia I think I should cancel to reapply could you please help mam some error showing
Hi Prem! Can you please share your registered E-Mail address.
Mam I have 58 percent marks in 12 I got select one of the premier b school in India and getting SBI scholar can they reject my loan on basis of my 12 marks I am just curious because such thing is not mentioned in there eligibility criteria for getting SBI scholar loan
Hi, Swapnil! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. We would have to evaluate your profile to determine the best loan options for you. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Can We make mother as a Co-applicant for education loan less then 4 lakh while she is Homemaker but we have ITR filled for last 3 years.
Hi! For an unsecured loan, the co-applicant should file ITR. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Ma’am my cibil is 701 as of now and had some serious issues in 2021 where I was unable to pay my debts, my debts has been paid off and my parents cibil profile is very strong and we do have a collateral as security can i get a abroad education loan ?
Hi Shuaeb! We will require a few more details to check your loan eligibility. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
I have cleared 1st semester fees of my college on my won, I need education loan for rest of the course fees, So what should I do with the loan amount required.... Please help me with this mam
Hi, what is your required loan amount?
if i take a personal loan from any other application then eduaction loan can be rejected or not?
Hi, Pratibha! You can take an education loan if you already have a personal loan. However, we would need to evaluate the co-applicant's complete financial profile to confirm that. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
@@WeMakeScholars i already apply for education loan in sbi branch
@@pratibhameshram6205 Alright, please fill up the application form on this link so the Digital Team can help you with a quick loan process: www.sbieducationloan.co.in/
Hey hi, I had gre 320 dulingo 115 and btech 64.5 and co applicants cibil is also good but i had 20 backlogs in btech which we count in us format, Do I get a educational loan?
Hi Ravi! If the backlogs were cleared within the course duration, our team can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam my parents has low CIBIL score , so my uncle (Masad g) can be aa co applicant ?
Hi, Dilpreet! Your mother's sibling or father's sibling can be your co-applicant. However, their spouses can't be. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
If a student goes for abroad education loan through you , rate of interest in SBI is 10.2 after Rinn Raksha ,but on bank's website it is 8.8 % , why?
Hi, Atul! Actually, that is a typing mistake which we will fix. The ROI will be 8.8% for males even if you apply via WeMakeScholars.
@@WeMakeScholars ok thanks for information . I want education loan for blocked account from SBI
@@atulkushwaha1927 Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Ma'am I'm not getting call back ...
Hi, Narendra! Sorry to hear that. Please share your registered email address. The loan team will contact you ASAP.
@@WeMakeScholars thank you WMS team ...
Hi mam
I need 4 lac unsecured loan for.study abroad but my mother and father has not credit history in the past because they did not need credit in past so on this bases can I get education loan?
Hi, Raval! Yes but we will need some more details to check your eligibility for the same. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
If I have low percentage in class 12th which is 47% but good percentage in class 10th (95%) and decent percentage in college which is 71% without any backlogs, will my sbi global edvantage loan application be rejected?
Hi Parth! In all the bank's instructions, 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get approval for lower percentages. We can try that. I suggest you request a callback so that the financial officer can help you with the same.
If my father credit score is 721 will i get education loan of 4 lakhs on his behalf?
Hi, Tanisha! The CIBIL score is fine but we would have to evaluate all the parameters to check your eligibility for the same. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Mam,My cibil is 580 due to my loan in U.G studies but this month I closed my loan with full payment.Can I get any secured loan from any private banks or nbfc?? And also my Co-applicant cibil profile is strong. Can I get loan?
Hi Wickey, the above mentioned CIBIL score is quite low, and is therefore rejected without a second thought in most instances. Maybe you could speak to our loan officers about it. They will try to dig below the surface and exactly understand what went wrong and whether there is any way out. The reasons for the low score is quite important. Please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Good evening mam, i just wanna ask my father has never taken any loan or credit card he has no credit score till now , will that effect my secured education loan from public bank like BOB having our residential house as collateral?
Hi! If the co-applicant has never taken a loan or credit card, that reflects well on his financial profile. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hello mam, I have got 54.3% in 12th PCM, will I get a loan of 7.5 lacs?? I Have already sumbit my file in SBI. But now your team is telling that minimum requirenment is 60% for loan. However I got selected on Merit after entrance exam n interview round. My joining date is is 1st june. I am in trouble mam. Please help me urgently...
Hi, Abhishek! Don't worry. Our team is working on your profile to get it approved. Please feel free to reach out to your Financial Officer for any questions.
@@WeMakeScholars thank you for ur kind response
Hlo. my father got loan 10 years ago... Nd he didnt remember that it is done or not.. but now i need edu loan. is that cibil score affect my file if its not done ?? 😢
Hi, Ramgharia! We will need to check the CIBIL score and financial profile of the co-applicant to confirm your eligibility. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
My mother civil score is 730 by all civil company. My father civil is 656 by cibil, 456 by high mark, 670by both equifex and experia. In my father cibil score which is to be considered by financial company and can I get loan of 30lak
Pizza reply thanks
Hi, Mani! Some banks can consider a CIBIL score as low as 600. We will need some more details to check your eligibility. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
How to take loan for mbbs in Ukraine for about 26lakh my father is in government service
Hi, Aman! We can help you out with this after evaluating your profile. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
mam i scored just 55 prcent in my 10 and 53 prcent in my 12th but i want take mbbs abroad loan? is it possible for me to get it? plz reaply mam
Hi, Aakash! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
Can I get education loan , I have 15 backlogs in past 3 semisters and now I clear all the subjects
Hi, Veeshnu! It is difficult but your Financial Officer can look into it. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi, your organisation is not helping me. They are not replying back. Waiting since days.
Tanya, I just checked out and could see that our financial officer Subha Biswas had tried calling you twice today at 4:13 pm. But, unfortunately, you didn't answer. He also had left you a WhatsApp message asking you to callback. Anyway, pls check your miscall and call him back tomorrow.
No I didn’t receive any msg or call
@@tanyakhanna1335 It was on this number 920XXXX528. Pls check again and confirm once. Also, do check your email tanyakhannaXXXX@gmail.com and also an SMS was sent to you.
Wrong number
Got no email as well, received one call long back when i said i m busy but didn’t got any call after that
Ma'am I want to take an education loan
How I applied for loan ????
My higher secondary percentage is 59%
Please help me
Hi, Anamika! In all the bank's instructions 60% is minimum at all levels- 10th, 12th, degree. But there are some deviations that can be taken to get an approval for lower percentages. We can try that. I suggest that you request a callback, so that the Financial Officer can help you with the same: bit.ly/education-loan
@Nishan 07 Hi, Nishan! You will need an admit to get your loan sanctioned. However, you can start the initial loan process by requesting a callback here: bit.ly/education-loan
Respect+++🙏🎉🔥❤️
Hi, Milan! Glad you found the video helpful. If you are seeking help from our team with the loan process, please get in touch by requesting a callback on this link: bit.ly/education-loan
Hello mam I'm bca student and I'm planning to go canada for pgdm or masters but my father is autodriver and i have issue with my property paper they don't have na noc title clear so basically I'm not capable to get secured education loan so now i go for the unsecured loan with hdfc credilla but same as i ask you my father was an auto driver so it is possible they give me loan for abroad like 15 lakhs to 17 lakh. If not so please tell me what can i do for study in abroad because i have too many dreams for Canada please 🥺❤️
Hi Yash, we will have to evaluate all the parameters to check your eligibility. For further guidance please connect to our loan team by requesting a callback on this link:bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hi ma'am I have some doubts about CIBIL score of my parents
Actually I want to know that if CIBIL score of parents are not that good then can I get an education loan for MBA , will CIBIL score of my parents affect my education loan process ? Could you please clarify my doubts ma'am
But Ma'am I'm gonna take an education loan then how can my parents CIBIL score affect my education loan eligibility ? Please reply ma'am
Hi, Naresh! Yes, as mentioned in the video, the co-applicant has to have a good CIBIL score. Some government banks can accept a CIBIL score as low as 600. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Hello Mam, I have a query about education loan- I have 10 years study gap and aspire to PG certificate in Canada in university/college. I have an account in PNB and there I have 5 lac FD. Can I take 10 Lac loan against my FD and what are the possibilities ? Thanks in advance.
Hi, Nitish! The gap needs to be justified properly. What you were up to during these 10 years, will be asked by the bank. Also, if it is a medical reason, it will be accepted by the bank. As per bank norms, they cannot deny a loan for GAP as the reason. The FD has to be transferred to the bank you are taking the loan from. In a partially secured loan offered by some private banks, you can take a loan of a higher amount than the collateral value but for this you have to meet all the eligibility criteria of the bank. For further guidance, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
@@WeMakeScholars Thanks! I have work history throughout and hope this will be well justified. I need to have only my tuition fees which could be 10-11 Lacs. Also I have the FD in same bank from where I am planning to take loan.
@@entertainment_with_Nia Sure, please request a callback so your Financial Officer can help you out with loan options.
I applied for education loan in Bank of Maharashtra. Can I get education loan if my father's cibil score is 660? Please reply me🙏🏻
Hi Sairaj, The education loan product of Bank of Maharashtra is not very competitive compared to the other options in the market. I think it will be a better idea to speak to your financial officer to see which bank will offer you the best terms. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once you fill out the form, they will get back to you to guide you further.
Can i get 40Lakhs For PG Diploma In Visual Effects Advanced Vfx Composting College in Canada i will be completing my Graduation in 2022