Study Loans

RISEBA UNIVERSITY OF APPLIED SCIENCES OFFERS TO USE

* state guaranteed study and / or student loans from Swedbank;
* commercial loan (in cooperation with AS "Swedbank", AS “SEB banka”)


Study and/or student loan with a guarantee provided on behalf of the state

Study loan - a loan to students from the funds of a credit institution with a guarantee provided on behalf of the state to cover the cost of studying in an accredited and licensed study programme.

Study credit can be received by both full-time students and part-time students.

  • Both EU/EEA citizens and non-citizens and permanent residents of the European community who have a valid residence permit to study in study programmes of Latvian accredited and licensed universities can apply for loan.
  • Tuition fees are granted in full amount.
  • A guarantee from a private person is not required.
  • Existing study and student loans do not restrict the receipt of loan for continuing studies.
  • Loan is granted for one study programme.
  • The loan amount is transferred to the account of the educational institution twice a year.

What is the process of applying for state-guaranteed study loans at RISEBA?

  • There must be signed contract with RISEBA.
  • You must complete the application at RISEBA so that RISEBA can imatriculate you and enter data into the VIIS system (data is entered within 3 working days from application date) without receiving the first payment for your studies.
  • Fill in the electronic application form on Swedbank website for state-guaranteed study credit: https://www.swedbank.lv/private/credit/loans/study
  • The bank reviews the loan application (usually up to 5 working days starting from the day university has entered the data in the VIIS system) and makes a decision to approve or reject it, informing the student about the decision.
  • If the loan application is approved, then it is necessary to sign a contract with Swedbank. This can be done by e-mailing in the Internet bank or onsite at the Swedbank branch.
  • If the loan application is rejected, the student should immediately contact RISEBA customer service center.
  • After signing the study loan agreement Swedbank makes a transfer to the educational institution.

Student loan - a loan to students from the funds of a credit institution with a guarantee provided on behalf of the state to ensure the social needs of students.

  • Student loan can be received by both full-time students and part-time students.
  • A guarantee from a private person is not required.
  • According to MK rules Nr.231, the amount of student loan per student per month does not exceed the amount of the minimum monthly wage established in the country at the time of the conclusion of the loan agreement, multiplied by a coefficient of 0,8 (rounded amount to an integer).
  • Student loan is credited to the borrower's current account for 10 months a year (except July and August).

You can apply for student loan through Swedbank website or Swedbank branch.

Loans EUR

Students

State

Studiju kredīta procentu maksājums Studentam studiju laikā nav jāmaksā procenti par valsts galvoto studiju kredītu Valsts studiju laikā maksā studenta vietā procentus par studiju kredītu
Studējošā kredīta procentu maksājums Studentam studiju laikā ir jāmaksā procenti par studiju kredīta izmantošanu Valsts studiju laikā nemaksā studenta vietā procentus
Procentu likme

Kredītu procentu likme ir mainīga. Likmi veido fiksētā daļa, kas nepārsniedz 3,5 % gadā, un mainīgā daļa EURIBOR vai tai līdzvērtīgs finanšu naudas tirgus indekss. Ja procentu likmes mainīgā daļa ir ar negatīvu vērtību, tad procentu likmes apmērs ir vienāds ar procentu likmes fiksēto daļu.
Ja kredītu atmaksas laikā minētā likme attiecīgajā laikposmā ir augstāka par pieciem procentiem gadā, kredītņēmējs maksā piecu procentu likmi gadā. Starpību starp likmēm sedz no valsts budžeta līdzekļiem.

Kredītņēmējiem, kuri tiek eksmatrikulēti (izslēgti) bez diploma, starpību starp likmēm, ja tā ir virs pieciem procentiem, nesedz (izņemot eksmatrikulētos kredītņēmējus pēc doktora studiju programmas apguves).

Kredītu atmaksa

Studiju kredīta pamatsummas un procentu atmaksa sākas ar 12 mēnesi pēc studiju programmas pabeigšanas (iegūts diploms). 
Studenta eksmatrikulācijas (izslēgšanas) gadījumā procenti jāsāk atmaksāt  sākot ar nākamo mēnesi pēc eksmatrikulācijas (izslēgšanas), savukārt pamatsummas atmaksa jāveic ar trešo mēnesi pēc eksmatrikulācijas (izslēgšanas).

Studējošā kredīta pamatsummas atmaksa sākas ar 12 mēnesi pēc studiju programmas pabeigšanas (iegūts diploms) un turpinās procentu atmaksa.
Studenta eksmatrikulācijas (izslēgšanas) gadījumā pamatsummas atmaksa jāveic ar trešo mēnesi pēc eksmatrikulācijas (izslēgšanas).

 

Commercial loan
Commercial loan-a loan to students from the funds of a credit institution without a guarantee on behalf of the state to cover the cost of their studies. Commercial credit can be received by both full-time students and accredited and licensed study programmes. Commercial credit is paid 2 times a year to the bank account of educational institution.

Contact information

FOR MORE INFORMATION ABOUT THE STUDY AND/OR STUDENT LOAN WITH A GUARANTEE PROVIDED ON BEHALF OF THE STATE, YOU CAN SEARCH:

YOU CAN SEARCH FOR MORE INFORMATION ABOUT COMMERCIAL LOANS:

Izglītības un zinātnes ministrijas mājas lapā SEB banka mājas lapā www.seb.lv
Altum mājas lapā Swedbank A/S www.swedbank.lv
Swedbank mājaslapā  
Likumi.lv mājas lapā  

Swedbank

Partners

Accreditations

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