#Secured
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- เผยแพร่เมื่อ 5 ก.พ. 2025
- “Secured vs Unsecured Education Loans" is the 7th episode from the webseries "Loanflix in Hindi" by WeMakeScholars. Start your abroad education loan process by submitting the application @ www.wemakescho...
Our Financial officer will get back to you and assist you until the sanction. All the services offered by WeMakeScholars are free of cost as this initiative is supported by the IT Ministry, Govt. of India.
This episode explains the differences between secured and unsecured loans. Here are the timestamps for the topics, which are discussed in the video:
1. Interest Rate (02:02)
2. Processing Fee (02:52)
3. Repayment & Moratorium Period (03:47)
4. Loan Insurance (05:12)
5. Processing Time (06:13)
6. Co-applicant profile (07:18)
7. Embassy / University Acceptability (08:21)
8. Jugaad (09:15)
9. Conclusion(11:12)
Hope you all found this episode useful. As you all know, we'll be making this an in-depth series on education loans covering each and every topic. Stay tuned for the next episode detailing various documents required while applying for a secured or collateral education loan.
Watch the other Episodes of LoanFlix in Hindi :
#1.Study Abroad Education Loan: All you need - • Education Loan Kaise m...
#2. Collateral based Education Loan for Abroad studies - • #Collateral #Education...
#3. Foreign Education Loan bina collateral ke - • #Foreign #EducationLoa...
#4. Documents required for abroad Education loan with Collateral - • #Documents required fo...
#5. SBI Education Loan for Abroad Studies- Must know basics - • SBI Abroad Education L...
#6. Bank of Baroda Education Loan schemes : Explained - • BOB Education Loan for...
Watch the episodes of LoanFlix in English :
#1. Introduction to study abroad education loan - y2u.be/-TJ0XCrL0dw
#2. Secured education loans - • Collateral #EducationL...
#3. Abroad Education Loan without collateral - • Abroad #EducationLoan ...
#4. Documents for Education loan - y2u.be/5PtpYVQ7Oo8
#5. SBI education loan for abroad studies - • #SBI Education Loan fo...
#6. SBI Education Loan- Documents, Process & Timeline - • #SBI #EducationLoan: D...
#7. Bank of Baroda Education Loan for abroad studies - • BOB Abroad Education L...
#8. Education loans from Government Banks, Issues and solutions - • #EducationLoans from G...
#9. Unsecured education loan from NBFCs - An overview - • #Unsecured #EducationL...
#10. International student loan: Prodigy finance student loan & MPower finance (Part 1) - • International #Student...
Other episodes up to the 40th one can be found in the Loanflix playlist @
• Loanflix: The most com...
At WeMakeScholars, our team understands our students’ needs and helps them navigate through their abroad education loan process accordingly.
Please subscribe to our channel for more such Informative videos. Also, do like and share with your friends. Good luck!
Script editor- Arjun R Krishna
Shot, Edited & Directed by Sreeman Reddy
Designs- Anandu Sreenivas
About the Presenter - Damini Mahajan is a visionary entrepreneur and co-founder of WeMakeScholars.com, an education finance start-up for international education. Damini has been mentioned as "Top Women in Tech" by The Asian Entrepreneur. She has also been awarded as the winner of Silicon Valley Challenge by Action for India 2016 and was in Top 75 start-ups in Power of ideas by Economic Times at IIM Ahmedabad.
Stay connected to know more:
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Contact us at hello@wemakescholars.com
I started with 0 knowledge, but this wemakescholars are too good and gave so much clearance.....💐❤
Hi, Nidhi! Glad the videos are helping you. For further one-on-one 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.
I feel a High level confidence after this video 🙏
Hi, Anup! 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
Hi, everyone! You may watch the same topic discussed in other languages here:
English - th-cam.com/video/GHuHygMGbs0/w-d-xo.html
Telugu - th-cam.com/video/lc4n13_8cX4/w-d-xo.html
Tamil - th-cam.com/video/H1HUt2iYCqA/w-d-xo.html
Appreciating your organization and your team, And is there any video for students for guidance of why having work experience makes easier than not having any work experience for taking Abroad Education Loan???
Hi! Work experience makes your profile stronger. Also, you may watch this video which discusses how work experience may help you get a loan without co-applicant and collateral: th-cam.com/video/gQixPzWe0z4/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
Appreciate your efforts
Hi, Rohit! Thanks for the appreciation! 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
Thanks mdm.
Hi, Santosh! 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
I am very thankful to you mam you are doing such a great job👍👍👍
Hi, Chandan! Glad you're finding the content 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
the best information video for study loan in youtube ...Thank you Mam @Wemakescholars
Hi! Thanks for appreciating the videos. 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.
Information dene ke liye thank you ma'am
Hi, Ankush! 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
Very informative videos
Hi, Akshay! Glad you found the videos informative. 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
Wao..Great...very informative. Thanks
Hi, Vishal! Glad you found the video informative. 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
Mam BOB asking for property documents.They want 30 years encumbrance certificate.Is encumbrance certi is also known as FARD in punjab?
Hi, Jasraj! The Encumbrance Certificate is different from Fard. Fard is a registration certificate but EC confirms that the property does not have any legal obligation such as lease, mortgage or pending loan. Please feel free to reach out to your Financial Officer for further guidance.
You are the best
Hi, Akshay! Thanks for your words of appreciation. 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
Your guidance is very much informative and encouraging.
Please tell us for Civil score for loan
Hi Shakeel! You may go through video which discuss the same: th-cam.com/video/ZSUJhK-7BYA/w-d-xo.html and glad that you found our videos informative and 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 am very thankful to you because you are doing great job. It's very worthy video for me. Thank you so much.
Hi! 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
Maine abroad education k liye nahi liya tha loan mam mujhe within india padhne k liye loan liya hi to mujhe to loan subsidy aur canara bank se dusre govt bank ko loan transfer karna hi
Hi Mohammad! Yes, it is possible to get your education loan transferred to another bank. But we would require a few more details to confirm 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.
Very good
Hi! Glad you found the video helpful. For further one-on-one guidance with the loan process, please connect to our loan team by requesting a callback on this link: bit.ly/3KLb0zu Once you fill out the form, they will get back to you to guide you further.
Thank you mam 😇
Hi Solanki! 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
Mam itrs nice to hear you ,,can you please explain me about how s your organisation funded from govt?
Hi! WeMakeScholars is an organization which is funded and supported by the Ministry of IT, Govt of India, under the Digital India Campaign. We are there to help students like you get an education loan. 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. For your information, all the services of WeMakeScholars are completely free of cost.
So beautifully 😍😘
Mam EWS family or fatherless students ko loan me koi benefit Malta hai ya nhi ?
Hi Karamjeet, We will have to evaluate your profile 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.
excellent work. 👍
Hi, Saiyed! 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
mam 30 lakh ka loan govment bank me nahi mil sakata ?unsecured lian nahi mil sakata ?
Hi Krupa! Getting an unsecured education loan of 30 Lakhs from a government bank is not possible, But however our loan team can evaluate your profile and can 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.
Does @WeMakeScholars gives the complete guidance from the Start of the Education Loan and till the repayments of loan (till the final payment)??
Hi! Yes, we guide you from the application stage and any issues you may face after the loan is sanctioned (disbursement, repayment, etc.). 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 loan has approved from SBI but they are telling me that I have to pay interest month by month in monitorimm period coz if I will not pay that intrest than it will consider as compound. Could you guide me ??
Hi Jaydip! You are not mandated to pay interest during the moratorium period (Course duration+6 months), The interest accumulates and gets added to your principal amount, now the interest accumulated will be simple, not compound. If you are processing your education loan via WeMakeScholars feel free to revert to your Financial Officer for further guidance.
Mujhe contact krnah we make scholar se.....prr ho nhi rhaaa
Hi Aliva! 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.
Government bank se education loan lene par bhi 10.10-12.75 % leta hai.
Hi, Manoj! Actually, we can help you get education loans from government banks at 7-9% . 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.
Did WMS do loan with Non-Collatera??
Hi, Ubaid! Yes, you can get a non-collateral loan through WeMakeScholars. To check your eligibility for the same, you can speak to your Financial Officer by requesting a callback on this link: bit.ly/education-loan
I have a property and that property is on a bank loan, can I get a loan on that property.
Hi, Sumedh! Yes, you can but we would need some more details about the loan, property value, etc. to guide you further. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once we get your request, the respective Financial Officer for your region will call you to help you further.
Good video . Complete knowledge . Thanks mam .
Hi, Bajaj! Thanks for appreciating the content. You may get in touch with our loan team by requesting a callback on this link: bit.ly/education-loan
Mam can i get non collateral education loan upto 28 lakh from government bank to study MBBS in belarus in BSMU (minsk) if yes then how many document are required
Hi, Manish! A non-collateral loan would not be possible for this course. You would require collateral. For guidance on collateral requirements, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan
Manish bhai... Don't go for who have bilingual language... Try n see for ukraine bcoz there is English lamg only till 6yrs of mbbs... You have to learn ukraine/Russian only 10%...
Manish bhai... Most of the universities are like 1st 3yr eng then 3yr in there native lang... After 3yrs you have to speak, read in there lang...
It's my research bcoz I want to go abroad for mbbs... Choose university in the basis of WDOMS EFMG MCI and how old that university is... And how long they started mbbs in that clg... Hope you get good clg...
How much non collateral loan we can get in terms of total expenses ? For example if my total expenses which includes living and tution are 70 lakh ₹ for ms in USA at top 10 University.
Hi, Faiz! Yes, it is possible. However, we would require further details about the university, co-applicant's financial profile, course, etc. to determine the exact amount that you would be eligible for. 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.
Can a retired and pension person act as Co applicant without giving any collateral ( as he is not having any collateral ) ?
Please reply it's urgent
Hi, Shankar! Yes, they can. However, we would need some more details 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.
one advice is needed if we have the land worth of 10 lakhs and then after if we construct the house spending 12 lakhs so in total that will ne 22. lakhs !? will I be eligible to get loan of 20 lakh !
Hi! If your property value after the bank's valuation actually turns out to be 22 lakhs, then yes, you can definitely get 20 lakhs. 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
Bro is abroad education loan possible with empty land
Suppose I've taken loan for 10 years but I've sufficient funds to end that in 3 years. So is that allowed? And if yes, then should I pay interest as per the We make scholars education loan repayment calculator that is only upto 3 years or I've to pay entire 10 year loan?
Hi, Amin! You will have to pay back the entire amount that was disbursed + interest up to that date. Please watch this video on how to accurately calculate EMI: th-cam.com/video/jcl5wMoeBKk/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.
Mam mujhe indian university me study karne ke liye loan lena hai to kya mai aapse kuchh question puchh sakti hu?
please please reply mam .It's very important.
Hi, Bani! We can help you out with loans for study in India only if your loan amount is above 10 lakhs (with collateral). If that is the case, 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.
Love you ma'am
Hi, Rishabh! Thanks for your words of appreciation. 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
Undergraduate course can get unsecured loan...from Bob bank...?
Hi, Kshushi! We cannot help you out with unsecured loans from BOB. For alternative lender options, 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.
Mam Non Register NBSC se loan liya hu 7 days kaa repayment naa karne se Case ho sakta hai kya
Hi, Rose! Sorry, I didn't understand what you meant by 'Non Register NBSC'. Can you please elaborate?
@@WeMakeScholars Mam maine loan liya hu 7 days kaa Loan apps se Lakin RBI Register nahi hai loan app
@@rosekhan6210 Sorry, we will not be able to help you with this.
Mam, I have house property on my father's name, which was constructed before 50 years ( present value will be 40 lac), so which types of documents mandatarily needed for collateral loan of 20 lac
Hi, Chris! You may watch this video which explains the documents required for a secured loan: th-cam.com/video/5PtpYVQ7Oo8/w-d-xo.html For further guidance on collateral requirements, 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.
Thanks maam
Hi, Absar! 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
I just want to know, can we apply Non-Collateral loan from government bank?
Hi! Yes, government banks only provide non-collateral loans of up to 7.5 lakhs. You would have to approach the bank directly for this. For alternative options, I would suggest you connect to our loan team by requesting a callback on this link: bit.ly/education-loan
@@WeMakeScholars Thankyou, I am in touch with your team
मैडम जी मैने आपके चानल के मध्यम से लोन के बारे मे वुई मेक स्कॉलर को कॉल बैक किया था उसके बाद मे चनले लोन एक्सपर्ट का नाम दुबे सर है अब तक ई मेल ई मेल खेल रहे है हम क्या हम डायरेक्ट फोन से बात कर सकते है क्या क्यु की हमे इंग्लिश मे मेसेज टाईप करने मे दिक्क्तत होती है मैडम जी हमारे जैसे लोगो को समजनेकी और समजाने की कोशिश कीजिये
Hi, Kailash! Your Financial Officer will be calling you soon.
Mam apke agent phone nai uthte aur na hi phone milta hai
Hi, Nawab! Your Financial Officer called you yesterday but wasn't able to reach you. Kindly call him back at your convenience.
@@WeMakeScholars mam wo no nahi milta aapke office sayd mumbhai me hai me haryana se hu sayd agar aapke agent ka phone aata bi to aawaz nai aati unki isliye me nAi uthata . Mam unki awaz nai aati
@@nawabsingh3301 Hi, I believe our team spoke to you today. Hope your queries are resolved.
Do the bank (any type) give us the full loan amount right away or they independently give the required amount to the respective university when the semester/exam fees come ?
Hi, Prafful! Banks transfer the tuition fee directly to the university in parts semester-wise, rather than in one go. You may watch this video on the education loan disbursement process for more details: th-cam.com/video/pATtwCjvNNc/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
Ok, Thank You.
Very well explained video... 👌
Hi, Rahul! 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
Unable to connect you
Hi Namrata! To get in touch with us, Request a callback on this link:bit.ly/education-loan Once you fill out the form, Our Financial Officers will get back to you to guide you further.
Thanks a ton ma'am for this series. Please could you guide with this - Can @wemakescholars even help after one has already started with loan process with a bank?
Hi, Shreyas! Yes, we can help you even after you have started the loan process. 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 it possible to get non colletoral loan of Rs.20lakhs for uk studies
Hi, Suraj! Yes, it depends on factors like university, course, co-applicant etc. Thus, we will need some more details to help you out. Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan Once we get your request, the respective financial officer for your region will call you to help you further.
Mam ghr toh home loan pe bna h.. 9lakh tha 23 m khatam hoga... Kaise kru btao aaap original toh HDFC Bank m h
Hi, Mayank! It is possible to get an education loan against a property which is already under home loan. You may watch this video for further details: th-cam.com/video/Z4_YKcEaHfI/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.
@@WeMakeScholars i haven't get any call...
@@mayankramteke153 Sorry to hear that. Please share your registered email address so the loan team can contact you ASAP.
@@WeMakeScholars mayankramteke05@gmail.com
@@mayankramteke153 Hi, Mayank! Your Financial Officer spoke to you today. Hope your queries were resolved. Please feel free to reach out to him for any further questions.
Mam. If a student have personal loan of 1.5 lac can he apply for abroad education loan for master study in public bank up to 7 4lac.
Hi, Luv! Yes, you can. However, we would not be able to help you with the loan of 7.5 lakhs from government banks. For alternative options, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan
Mere papa ka credit score low h tu kya mein apne Bhai ko co-applicant bna skti ho
Hi Garvita, As per the bank norms. yes, your brother can be included in the education loan as a co-applicant. Please connect with the Financial Officer by requesting a callback here bit.ly/3MVP0Sy. They will check your eligibility with 14+ leading public and private lenders and will give you a detailed understanding of your loan terms and the loan possibility.
Mere dost k Papa ek labour hh unke pss na toh koi property Hai na hi koi fb. Mere dost ne 70%se apni graduation complete ki h uske pss ek Sall ka work experience bhe hh. Uski salary 30,000 thi covid 19 ki vjh se abhi Ghar par Hai. Uska Spna Norway jakr study Puri krna hh. Ek achi job lekr apne parents ko achi life Dena haii usse. Jesaa harr student hr child chahta haii.. prr usse toh koi bank loan de nhi rhaa kuki uske Papa ki profile strong nhi haii.. toh Kya koi Bina co applicant ki strong profile k loan nhi le sktaa. Plzz mam tell me uska spna dekhna glt thaa yaa uske Papa ki strong profile naa honaa.. uske talent ki toh koi value hi nhi hhh mam. Kya koi without collateral loan binaa co applicant ki strong profile k Bina nhi de sktee ????????
Hi, Reena! For an education loan, you would require collateral or a co-applicant with a strong financial profile. Some banks provide unsecured loans without a financial co-applicant if the applicant has sufficient work experience and is going to a top university. For further details, please connect to our loan team by requesting a callback on this link: bit.ly/education-loan
I m from punjab and i am graduated. I want to go aboard for my master degree. Can you help me get a loan?
Hi, Gurpal! Yes, we can help 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.
Ma'am I have filled the form ...will your representative call me??
Hi Namrata! It takes 2 working days for our Financial Officer to reach you.
I had scored 94% in 10th and 95%in 12th Is it possible to get unsecured loan for batchelors in canada
Hi, Riya! You would require collateral for a bachelor's course. For further information on collateral requirements, you can connect to our loan team by requesting a callback on this link: bit.ly/education-loan
@@WeMakeScholars I belong to a poor family so, I dont have any collateral Is there any chance to get loan without collateral for batchelors
@@riyamehta134 Please connect to our loan team by requesting a callback on this link: bit.ly/education-loan We will have to evaluate your profile in detail to guide you further.
Thx ma'am ge
Government is good
Hi Mohit! 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
Ma'am I am to connect you....
Hi Namrata! 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 Team, I need a non collateral from government Bank for 25 lakhs,please can you help me
HI Heena! Getting an unsecured loan of 25 lakhs from a government bank is not possible but however our loan team can evaluate your profile and 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.
🤩
kisi ke paas hai kiya expert no plz plz help no chahiye
Hi, Tasbil! You may call +91 9393344424
लड़की में दम है 💪
Hi, Sanamdeep! Thanks for appreciating. 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
Tnx sister
Hi, Rosario! Glad you found the video helpful. 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.
@@WeMakeScholars thanks for the information i will use this opportunity ,