Study Credit, loans - CatalunyaCaixa

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Study Credit

If you want to study, we can help fund your education.

The Study Credit is an innovative credit formula for university students designed to fund the course you want to take, be it national or international.

Study Credit

Features:
- You can apply if you are studying a degree, a master's degree, postgraduate course, etc. either in Spain or abroad.
- This credit covers tuition fees, books, study materials and travel/living expenses if you are studying abroad.
- You choose both how and when you want to pay the money back:
  - Once you have completed your studies, with monthly repayments to suit your circumstances.
  - By paying off the interest while you study and the remainder when you finish your course.
  - Settling the credit each month, with the possibility of re-using the principal you have paid-off.
Benefits:
- Better prices for good academic results.
- No commitment fees.
- Access to funds when you need them.
- And if you something unexpected comes up, you can apply to defer your repayments for up to 3 consecutive six-month periods.
What you should know...
- The maximum amount available: up to €30,000.
- Maximum term: official degree duration + 5 years.
- Interest rate: fixed in the first year and linked to the 12-month Euribor in subsequent years.
- Fees: no opening, maintenance or early settlement fees for drawdowns used to fund studies, and 1% for drawdowns used to finance travel or living costs.
- When do I start to pay it back? You decide!
  - Total Grace Period: once you have completed your studies, with monthly repayments to suit your circumstances.
  - Partial Grace Period: you only pay interest on the credit whilst you are studying, and the remainder once you have finished your studies.
If you are interested to get more information about this product you can go to any of our branches.