Types of Loan (part 2)

In this post, I will tell you more about the kinds of loan, and most of banks have the own service or loan programs for their customers, but here I just tell you some of most popular loans.

Gold Loan

This loan is known as with Silent Features:

• It is easy and quick Loan against the Security of Gold Ornaments

• It is easy Liquidity

• And it is Safety of the Ornaments, Under the Safe Custody of the Bank

This loans is provided the Emergency requirement for Personal and Ceremonial use and the Period of Term loan is1 year with the Interest Rate is 11%.

Postal Certificate (N.S.C. Loan)

It is for Personal and Business Purpose with the Rate Of Interest is 11% and Period of loan is till the Maturity Date of Certificates. To Security for Postal Certificates (Banks lien to be noted on the Postal certificates Pledged with Bank at the Post Office from where it is purchased). All Loans are subject to discretion of the Bank & subject to conditions stipulated by Bank. Interest Rate are subject to change without notice.

Vehicle Loan

Personal Vehicle Loan

The target Group is Salaried Person working in reputed companies, firms, ofessionals and Businessmen with the Purpose is purchase of 2 wheelers, Car for own use and the maximum Loan Amount is 85 % of Vehicle Quotation (inclusive of Basic cost+ duties, tax & Insurance)
The Period of loan is often 5 years with Interest Rate is around 12%

Commercial Vehicle Loan

The Purpose of this loan is Purchasing of taxi, Rickshaw, Cars and others 4 wheeler Vehicle for Transport Purpose. Maximum Loan Amount is 85 % of Vehicle Quotation (inclusive of Basic cost+ duties, tax & Insurance)with Period of loan is 5 years and the Interest Rate is 14%. To Security you need to noticed that: Hypothetical of Vehicle with Regional transport Office and 2 Guarantors. Penal Interest 2% for the Defaulted Amount for the Defaulted Period, Prepayment Penalty Nil

Fixed Deposit Loan

This loan has many advantages and i think it is really important for you when you are wondering if choosing this loan or not:

• Easy & Quick Loan against the Security of own Fixed Deposit Receipts

• Easy Liquidity

• Fixed Deposit receipt to be discharged and submitted to the bank

• Maximum Loan amount 90% of Fixed Deposit Amount

• Interest is charged the rate of 2 % above the fixed deposit Interest Rate

• Interest is charged Monthly, Amount to be repaid at will & If a borrower is unable to pay the loan the Maturity amount of Fixed Deposit is transferred to his Fixed Deposit loan Account

• Interest on Fixed deposit is directly credited to the Fixed Deposit Loan Account

• Period of loan is till the maturity of Fixed Deposit Receipt

• Interest is charged monthly

In 2 posts, I will show you some types of loan, they are very popular now and I think you can choose one is the best for you. Good Luck!!

Types of Loan (part 1)

Housing Loan

This type of loan is for Individual or Individual jointly with Spouse (Group of Individual not permitted) to get the loan with purposes are purchasing a new or old house or flat which is the borrower want to have. And when the borrowers apply for this loan, they can use n construction of new house or flat for own use. Besides, this loan is also used in taking over of housing loan from other bank's and reputed housing finance companies

You can apply this loan with period of loan is 10 years or 15 years with the interest rate around 12%. Actually, the interest rate is always fluctuating with the moving of market.

To make the security for loan, you need to register mortgage of house or flat with 2 guarantors.

And next type of loans is House Repair

It is used in Renovation and Repairs of House or Flat. And I will show you some information about this loan. Its Period of loan is : 5 year, 7 years with the Interest Rate is around 13%. You also need to Register mortgage of House or Flat with 2 Guarantors.

Next is Business Loan

The Purpose is Acquisition of Factory Shed or Industrial Gala, Plant Machinery , Equipments, Furniture and Fixtures etc and Cash Credit Loan for Purchase of Raw Material and Working Capital requirement. But you need to concern about the Documents Required. It includes: Balance Sheet, Profit and loss for the last 3 Financial Years, Income Tax returns, Purchase orders, And the Period of Term loan is often 5 years. But in this loan, you need to register Mortgage of Building ,Shed, Shop and Machinery with 2 Guarantors

In the next type of loans is Group Loan Scheme

I will show you the differences in this loan. The Special Feature is Minimum 3 Permanent employees of Public and private LTD company Bluechip Companies and Reputed institutions can avail this facility. This loan will help for meeting personal or family finance requirement including Purchase of household articles or electronics or computer equipments,Marriage ceremonies and Expenses for Medical treatment...It requires the necessary paper is:

• Salary slip for last 3 months,

• Company Undertaking

And the period of this loan is often 5 years or 7 years with the rate of Interest is 11 %.

Basic Steps To Get a Loan

There are many steps to apply for a loan, but now I will show you the basic steps and you will have more understanding about the loan process and you will be easier to success in this process.

At first, you need to get the Mortgage Grade:

It includes your Basic Information, they will give you a form and you have to fill exactly and all of their requirement. After that is getting Mortgage Qualification Results, in this part, you must to read carefully

The second is Getting Guidance:

In this step, you will be noticed to the most important concern about the Rate Trends and Current Rates, from that you can have your own comparation and choose the most suitable interest rate which you think it is the best for you. But you might be qualified or not qualified with the loan that you choose, in this case, the home account will help you what you have to do to be accepted for the loan you want:

• Qualified: Home Account will guide you to the best loan program

• Not yet qualified: Home Account will provide financial exercises to get you qualified

Next step is Getting Loan:

When you chose a loan already, you will be guided to select a loan program and the more important is choosing the lender who will let you borrow their money. And when you are finish, the home account will walk you through the closing your loan.

Here you are, you had enough information about getting a loan . And I hope, this post will be very useful for you...

Mortgage Calculators

Mortgage calculators:

• They are an available way to determine how much house a customer can afford?

• How much a monthly payment will be?

• And the amount of interest saved by financing for 15 as opposed to 30 years.

For a business, using mortgage calculators as part of the business plan when they are expected expenses to potential investors.

Mortgage professionals:

They have a variety of financial calculators available, and the businessman can use them to provide information to your potential customers and you increase satisfaction as well as the likelihood of closing a loan.

• The main purposes of using a mortgage rate calculator:

• Showing prospective borrowers a variety of loan options, it includes fixed and adjustable rate scenarios.

• Printing an amortization table to show for the borrower the amount of each monthly payment which goes to the principle and how much to the interest.

• Showing the borrower the maximum amount they can borrow, and their monthly payment for that amount.

Mortgage calculators can be used to calculate:

• The interest on mortgages,

• Monthly mortgage payments

• Other important information about mortgage payment options.

They are important tools for mortgage companies and you should use them when your clients apply for a mortgage or refinance their current mortgage. By using mortgage calculators, you can show your clients exactly what they'll be dealing with when they are buying or refinancing their home. Using mortgage calculators will help you put these numbers together for your clients.

Steps in Calculating the mortgage loan rate:

• Use mortgage loan calculators to calculate mortgage payments

• Find interest rates using a mortgage rate calculator

• Calculate monthly mortgage payments using a loan payment calculator

Benefits of Debt consolidation

The action of combining several loans or liabilities into one loan. Put another way, debt consolidation is the process of taking out a new loan to pay off a number of other debts. Most people who consolidate their debt are usually doing it to attain a lower interest rate, or the simplicity of a single loan. Also known as a "consolidation loan".
( www.answers.com)

When you are a home owner, you will have many advantages, It is not the least of which is that the value of your home could be used to finance future purchases. Whether you want to take a dream vacation, and pay for your college tuition or take advantage of debt consolidation, home equity loans may be an option.

Now, I will tell you some benefits of Debt Consolidation, I think they are really helpful for you when you want to apply for a debt:

At first, you need to discovery about the Interested in debt consolidation and Home equity loans which can ease for your financial obligations by giving you the option of just one low mortgage rate.

• Consolidating your high interest credit card debt, car loan or student loan payments into one fixed-rate home equity loan.

• Saving hundreds or even thousands of dollars in annual interest with a home equity loan.

• Your mortgage interest may be tax deductible unlike your revolving debt interest.

• Get instant cash when you refinance with a fixed-rate loan.

Home equity lines of credit:
It acts like a credit card and you only pay interest on the outstanding balance, and your interest is tax deductible.

Leveraging the equity in your home and getting immediate cash in your pocket. With the cash you'll get from your home equity loan, you could purchase a new car, fix up your home to increase the value of your home, or take a much-needed vacation! Good luck to you.

Current Prime Rate

The current prime rate

It is known as the interest banks which are charged for borrowing from one another. The prime rate is established by the Federal Reserve. It is the bank that controls the flow of money and cash for all other banks and consumers and it is heavily tied to the governmental demands and national policy. However, it is not controlled by the government entirely and it can establish its own policies on how best to manage the interest rate. It is affected by many factors and these are 5 key factors:

• Inflation

It is a major factor of the Fed considers when determining the prime interest rate. A lower interest rate is supposed to help curb inflation. And the reasoning behind this is fairly simple- it is explained that : When banks charge high interest rates, the cost of a loan goes up over time and the Costs going up over time are, at heart, what inflation truly is. Keeping costs low over time with low interest rates is one way to control how high prices adjust. Inflation is the biggest threat during a recession, and this is when the Fed generally lowers the prime rate.

• Default Rates

A high amount of default on loans across the country may result in a lower interest rate on the federal level. Example : If home mortgage defaults are high, then mortgage lenders will risk going out of business if they have to repay their loans at high interest rates. To keep these lenders healthy, the Fed will offer them cheaper loans. The Fed aims to make it possible for lenders with good business practices to stay afloat, especially during a recession.

• Credit Market Health

As default rates go up, lenders will start to pull back from the market. They will offer less loans to consumers. Businesses and households will stop making large purchases without the financing, and the economy will stoop into recession. In order to prevent this, the Fed attempts to encourage lending by making it very cheap for institutions. In the worst recessions, the prime rate will approach zero. This happens when the Fed agrees to make no profit at all on its own loans in order to keep other lenders active and profitable.

• Government Incentives

The Federal Reserve is highly tied to national policy. When the country as a whole decides it is time to encourage spending and lending, the Fed will generally follow. The only way the Fed can truly encourage lending with its limited scope of powers is to lower the interest rate. It is possible for the chairperson of the Fed to disagree with policy and take other steps, but this does not usually occur.

• Financial Institution Solvency

The worst recessions threaten the solvency of banks and lenders. At that point, lenders may start going out of business. This is bad for the general health of the economy because most business and households, including the federal government itself, rely on debt to expand and get through points of low cash flow. It is in the best interest of the country to keep financial institutions healthy as they are the backbone of the economy. The Fed will lower interest rates when the current economy is threatening the health of banks and lenders.

You can read more at site:
www.loan.com

Term of Mortgage Loan

The term of a mortgage is the length of time for which certain factors, such as the interest rate you pay, are set when you negotiate a mortgage.

Terms usually last anywhere from six months to 25 years. At the end of the term, you either pay off your mortgage or renew it. If you renew, you can negotiate terms and conditions again.

Generally, the longer the term of the mortgage, the higher the interest rate. The term of a mortgage is not the amortization period.

The amortization period is the time period over which the entire debt will be repaid. Most mortgages are amortized over 15-, 20- or 25-year periods. The longer the amortization the lower your scheduled mortgage payments. But you pay more interest over a longer amortization.

For example, for a $100,000 mortgage at 10 per cent interest with a 25-year amortization period and a monthly payment of $895, you will pay $168,500 interest. If you amortize over 10 years for the same amount at the same interest you pay only about $57,000 interest. But your monthly payment is much higher—about $1,311.

You want to pay the least-possible amount of interest on a mortgage. Here are some ways to reduce the amount of interest you pay:

• Make a larger down payment.

• Make lump sum principal payments, or prepayments (paying principal before it would be paid under the regular payment) from time to time in addition to the regular principal and interest payments.

Closed mortgages usually have a penalty for prepayments. Open and variable rate mortgages allow prepayments. If you are negotiating a mortgage take-back from the vendor, negotiate for prepayments without notice or bonus.

The faster you pay off your mortgage, the less interest you will pay, and the sooner you will enjoy the security of a mortgage-free home.

• Arrange a mortgage with a shorter amortization period—higher regular level payments so that the mortgage is paid off sooner.

• Arrange a mortgage with more frequent regular payments, such as every two weeks or weekly, instead of monthly.

Some other options to consider:

This allows someone who buys your home from you to take over (or assume) your remaining mortgage. It is attractive if interest rates are higher when you sell than when you bought because an assumable mortgage then increases the value of your home.

• Portability this means you can carry your mortgage with you to the next home you buy.

• Expandability this lets you increase the amount of the mortgage (for whatever reason) at the same interest rate, which is probably lower than the rate for a second mortgage.

You may read more at site to have more information:
www.ottawaliving.ca

Types of Mortgage

There are many types of mortgage. And now, i will show you some of them

• A split or multi-rate mortgage:

It allows you to arrange part of your mortgage at one rate and term and another part at a different rate and term. The advantage is that you are getting at least one portion at a fixed rate, if you don’t qualify for the whole amount at that rate. It also means you can pay off the mortgage in chunks. In Canada, mortgage interest rates can be fixed, variable or protected (or capped) variable. A fixed rate does not change during the life of the mortgage.

• An open mortgage:

It is a mortgage you can repay in part or in full at any time without penalty. Generally, interest rates are higher with this type of mortgage, but it makes sense if you plan to sell your home soon. An open mortgage can also be good for a short period of time when interest rates are high, giving you the option to lock into a longer term when the rates fall, or if rates start rising even higher. To take advantage of an open mortgage you have to be able to make payments from time to time additional to your regular mortgage payments.

• A closed mortgage:

It usually offers the lowest interest rate available but is not flexible. A closed mortgage does not allow prepayments or lump sum payments, or allows them only upon payment of penalties. Some closed mortgages allow limited additional repayments of principal, for example, once a year. Make sure you understand exactly what is allowed and at what additional cost, and how much, if any, notice must be given for each such prepayment.

• The term of a mortgage:

It is the length of time for which certain factors, such as the interest rate you pay, are set when you negotiate a mortgage.

Terms usually last anywhere from six months to 25 years. At the end of the term, you either pay off your mortgage or renew it. If you renew, you can negotiate terms and conditions again.

Generally, the longer the term of the mortgage, the higher the interest rate. The term of a mortgage is not the amortization period

• A variable rate changes:

It is as the prevailing market rate changes. Usually, your monthly payment to the lender stays the same. But the amount that goes to the principal and the amount that goes to interest change as the interest rate changes.

The protected (or capped) variable rate sets a limit on how high your interest rate will rise. Lenders usually charge a premium for a capped variable rate.

You may read more at site to have more information:
www.ottawaliving.ca

Mortgage Workpaper

To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. And the lender will request a credit report from a credit agency and will verify the information provided in your loan application. There are some types of document what you need to prepare :

• Signed Mortgage Application; Including Disclosures

• Mortgage Application Fee

• Most Recent 30 days of Pay Stubs for All Employers

• 2 Most Recent Years W2s and tax return may be requested.

• Most Recent 2 Months Bank Statements (DOCUMENTING PROOF OF 2-6 MONTHS RESERVES, OR FUNDS FOR DOWN PAYMENT WHICHEVER IS REQUIRED BY UNDERWRITING)

• Homeowners Insurance Declaration Page and Insurance Agent Name and number

• MONTHLY STATEMENTS FOR ANY and LOANS ALL LOANS BEING PAID OFF

• All Asset Information to Support Application ( Retirement Accounts, Saving Accounts, Stocks, Bonds, IRAs) Only If you are putting money down from these accounts, or if you are using any of these accounts to qualify.

• Property Tax Bill- For Refinances Only

And these are the necessary documents that you want to Purchase Mortgages

• Real Estate Agent Name and Telephone Number & Email Address- All Contact Information

• Signed (BY BOTH PARTIES!!!) Purchase and Sale Agreement ( NO RATE LOCK WITHOUT THIS DOCUMENT)

• Copy of ALL Checks Cleared for PROOF of DEPOSIT- Bank Statements May be Necessary

And another documents is for Self Employed Borrowers

• Last 2 Years Tax Returns ALL PAGES-Documenting Proof of Income

• Business License Showing 2 Years Employment or CPA Letter

Miscellaneous Items that may be Necessary

• Alimony/Child Support Documents

• Copy of Pension Award Letter/Statement- That States Terms and Duration of Payments

• Copy of Disability Award Letter/Statement- That States Terms & Duration of Payments

• Bankruptcy Discharge Documents

• Separation Agreement

• Divorce Decree

IF YOU HAVE STUDENT LOANS IN DEFERMENT OR COSIGNED- THEN WE WILL NEED A LETTER AND OR MONTHLY STATEMENT THAT STATES THAT, or original loan documents

• Letter of Explanation for any Derogatory Credit

• Letter of Explanation for any Credit Inquiries over the past 90 Days.

MBA Outline

The internationally recognized MBA qualification is designed for practicing managers aspiring to higher positions. The emphasis is on strategic analysis, interdisciplinary skills, intellectual stimulation and independent judgment. Within the broad framework of organizations, their external context and management, you will learn to use the knowledge to analyze, synthesis and evaluate a wide range of situations. Among these will be economic, environmental, social and technological change issues, corporate governance, markets and customers, managing resources and operations, financing organizations, management and development of people, developing information technologies for application in business and management within a global knowledge-based economy, and development of appropriate business policies and strategies within a changing context to meet stakeholder interests. The courses comprising the MBA are challenging. They assume that you already have some experiential knowledge acquired from managerial work.

There are many universities which have full time and part time MBA for you to chose and these tables are restricted to full-time study programmes, many students on which seek employment after they complete.

If you are particularly interested in public services and governmental organizations, you may wish to consider our Master of Public Administration (F44). Having said that, the MBA has been completed by many people with such interests. Other alternatives to this general MBA are our MBA (Technology Management) (F03) and MBA (Life Sciences) (F38).

The MBA qualification is in two stages. You must expect to successfully complete Stage 1 before you enrol on Stage 2.

Stage 1

There are three routes through Stage 1.

• Route 1 – if you already have a bachelors level qualification

To follow this route, you must have at least a bachelors level qualification from a recognized university or the equivalent. Further details are set out under Approved Minimum Entry Requirements below. If you are eligible for this route, you can complete Stage 1 either by taking the Postgraduate Certificate in Business Administration course, Fundamentals of senior management (B713) or, if your qualification is in the business studies area, you can study the Professional Diploma in Management course Managing performance and change (B700) (see under Approved Minimum Entry Requirements below for more about which course you are eligible for given your qualifications). Both B713 and B700 involve, on average, 600 hours of study over 12 months.

• Route 2 – if you already hold the Professional Diploma in Management

If you have our Professional Diploma in Management (D64) you can count this as Stage 1 of the MBA. There is a 10 year maximum period within which all study towards the MBA must be completed; if you graduated from the Diploma some years ago, contact the Student Registration and Enquirer Service.

• Route 3 – if you are experienced in managerial work

If you are experienced in managerial work but not eligible for Route 1 or 2, you can take our Professional Certificate in Management (C31), prior to entering Stage 1. When you complete that certificate, you are then eligible to study our Professional Diploma in Management (D64) as Stage 1 of the MBA. The Certificate followed by the Diploma will take two years.

Your first Stage 2 course must normally be Strategy (B820) . Once you have completed B820 you are then able to continue with the rest of Stage 2.

You can read more at website: www3.open.ac.uk/study/postgraduate/qualification/f02.htm

Benefits of Entirement Plan

Each people who are going to retire in the near time in the future. They often think for themselves a plan to make everything is suitable and assets in qualified retirement plans may represent a large portion of their total assets and be an important factor in planning testamentary gifts.

Social protection is known to be a major problem of retirement plan which implemented a comprehensive social program, under which it contracted out retirement benefits for its employees. To this end, it created a retirement fund and professional retirement benefits are standard for all of the enterprise’s employees. Corporate retirement benefits are comprised of the employer’s allocations and its employees’ voluntary contributions.

The government regulates the investment policy of such retirement funds. While those funds can only be invested in bank instruments, companies choose their management companies. Reserves accumulated in a retirement benefit fund are then typically transferred to the management company at a guaranteed rate of return (unlike the state-owned retirement benefit plan).

The retirement benefit plan is based on the main provisions of the National Retirement Benefit Reform that envisages, in particular, the promotion of long-term pension savings. This retirement benefit system will be adopted as a corporate standard.

Your retirement plan depends on the type of appointment you hold. If you hold a staff appointment, you need to know whether your position is professional staff, or classified staff. If you are unsure of your appointment type, ask your supervisor, or your department's administrator or payroll coordinator.

SCHOLARSHIP IN LONDON STUDY IN LONDON EDUCATION IN LONDON V ISA IN LONDON

Applying to study in London

Studying at a London university will be one of the most exciting years of your life. Ensure you are prepared with our application guide to studying in the UK.

Applying

1. Check the entry requirements. Each course and institution will have different entry requirements. Contact the university of your choice.

You can also compare your current qualifications to the UK's qualification requirements at NARIC, the National Academic Recognition Information Centre which can provide you with simple and officially recognised documents.

International undergraduate students: contact your chosen university to find out more about application requirements. You can also visit UCAS, the UK central organisation through which applications are processed for undergraduate entry to higher education. UCAS provide information and services to prospective students.

International postgraduate students: contact your chosen university.

2. Check the UK student visa requirements

Tips

1. Visit the Study London Facebook group to ask current students your questions.
2. Read the British Council's comprehensive guide to studying in the UK.
3. If you still have questions about studying in London, contact your chosen university and they will be happy to answer any questions you have.

Student Top Tip - Applying to Study

Most universities in London have specialist international advisers who can give you qualified support. Contact international officers at universities for advice on almost anything, from applying to study in London through to extending your UK visa.


Why Study at the University of London?


The University of London has a long established reputation for excellence in teaching and research, attracting students from all parts of the UK and from across the globe. By applying to the University of London you will have the chance to study at world class institutions and in the cosmopolitan atmosphere of one of the world's most exciting and vibrant cities.

The University of London degree is highly regarded world wide. If you choose London you will be coming to a university with the very best programmes and facilities to help you achieve the highest academic distinction and give you a head start in your chosen career.



FSU London Study Centre

The FSU Study Centre is located in the Bloomsbury area of London. Well before the establishment of its world famous inhabitants Bloomsbury was already an area associated with the literary, artistic and cultural life of the city and the realm, and this association has continued into the present.

A casual glance at the blue markers on the buildings of the neighborhood reveal that these were once home to social satirist and artist William Hogarth, Charles Dickens, John Cardinal Newman, William Butler Yeats, Virginia Woolf, and The Bloomsbury Group, to name a few.


Diversity and choice

The University of London has a student population of over 90,000, with a further 41,000 students studying by distance learning on the University's External System .

The Colleges and Institutes of the University of London offer an unparalleled range of qualifications and opportunities for study. The University offers over 3,700 courses each year covering almost every subject found in any university curriculum.

The University of London has one of the most culturally diverse student populations in the country. More than one in four students studying at our Colleges and Institutes are from outside the UK.

The University has a host of high quality educational facilities and provides excellent support for its students covering all aspects of student welfare.




Listing of London Study in London - All In London City Guide

Brunel University
Uxbridge, Middlesex UB8 3PH

City University London
Northampton Square EC1V 0HB

Goldsmiths, University of London
New Cross SE14 6NW

Imperial College
South Kensington campus SW7 2AZ

Kings College London
Strand WC2R 2LS

London Metropolitan University
31 Jewry Street EC3N 2EY

London School of Economics
Houghton Street WC2A 2AE

Middlesex University
The Burroughs, Hendon NW4 4BT

Morley College
61 Westminster Bridge Road SE1 7HT

Queen Mary University of London
Mile End Road E1 4NS

South Bank University
103 Borough Road SE1 0AA

Thames Valley University
Walpole House, 18 - 22 Bond Street, Ealing W5 5AA

The College of North West London (CNWL)
Dudden Hill Lane, Willesden NW10 2XD

University College London
Gower Street WC1E 6BT

University of East London
E16 2RD

University of Greenwich
Park Row, Greenwich SE10 9LS

University of London
Senate House, Malet Street WC1E 7HU

University of Westminster
Headquarters, 309 Regent Street W1B 2UW

Study in europe study abrod europe scholarship in eurpe study visa in eurpoe education in europe

Welcome to Study in Europe

There are more than four thousand higher education institutions in Europe, from top level research establishments to small, teaching focused colleges. Europe itself is no less diverse, extending from the Arctic Circle to the coast of Africa, where tiny principalities sit side by side with many of the world’s leading economies.

A fascinating destination, but which country should you go to? Which university should you choose? What do you need before you leave? What will happen when you arrive? These are just some of the questions you’re probably asking yourself already.

Study in Europe is here to help. We provide up to date information on thirty two European countries, their universities and what it takes to live and study in them.

Use Study in Europe to find the university that suits you best. A well informed decision will make your time abroad even more valuable.

Europe map

Study Abroad Advice and Information

Choosing the right combination of course, college and country is probably one of the most important decisions any student who wants to study abroad will ever have to face. So please take your time to visit the different sections of The International Education site, they are all very, very different and each includes a huge amount of study overseas information and university advice.

Bachelor and Master in Europe

Since the university landscape in Europe is changing at the moment times have never been better to study in another country. As a result of the Bologna declaration 1999 steps are taken to consolidate the higher education system in the European community. To advance the international mobility of the students, the degrees Bachelor and Master are established at the universities.

Higher Education in Europe

# Some University like Aalborg University, Denmark require IELTS test (International English Language Testing System) with a score of at least 6.5
# EPFL Swiss Federal Institute of Technology Lausanne require TOEFL + GRE (not reqd.)
# Delft University of Technology:Computer Engineering:A Grade Point Average (GPA) for the BSc programme of at least 75% of the scale maximum. A Graduate Record Examination (GRE) score of at least 450 verbal/550 analytical/650 quantitative. Proof of proficiency in the English language: a TOEFL score of at least 550 (paper based test) or 213 (computer based test), or an IELTS (academic version) overall Band score of et least 6.0.

# Moscow State University offers excellent programs in Physics and Material Sciences.
# Swedish University says To participate in any of the Master?s programme, a high level of proficiency in English is required, such as TOEFL at level 550 (213 computer based) or above, IELTS 6.0 or Cambridge Certificate of Proficiency. In addition to these general requirements, the applicant must meet the special requirements that apply to each of the programmes.

Study abrod turkey scholarship in turkey student visa in turkey study in turkey education in turkey

Study Abroad in Turkey

Turkey straddles Europe and Asia in both a literal and a metaphorical sense, having played a powerful role in intercultural exchange from antiquity, to the glory days of the Ottoman Empire, to the present day. A land at the convergence of many cultures, decorated with impressive historical ruins and monuments of the ages, Turkey has both a firm tradition of secularism and a lasting Muslim influence. Turkey is a key player in relations between Europe and the Middle East, and its bid to join the European Union has brought it to the center of international debate at this pivotal point in the country's history.

Institutes of higher education in Turkey are governed by the Higher Education Council and are similar to universities in the United States. Turkish universities boast high standards and internationally recognized degrees, and most of the scientific research in the country takes place there. Students who study abroad in Turkey will discover that the educational system is competitive, especially when it comes to gaining entrance to popular departments.

Istanbul, the cultural center of modern Turkey, was the capital of the Byzantine Empire until the Ottoman Turks invaded in 1453. Better known in the West as Constantinople until the 20th century, the city definitively took its present name when the Turkish leader Ataturk began his modernization and reforms. Several reputable universities in Istanbul boast roots going back to Ottoman times. It is now a cosmopolitan, trendy city with an energetic nightlife. Istanbul was also recently named the European Culture Capital for 2010, due to its role as a European cultural crossroads.

Students interested in studying history in Turkey will find Istanbul fascinating, especially because the 100,000 seat, ancient Byzantine stadium, the Hippodrome, is located in the city. The area also features the Egyptian Obelisk, Column of Constantinos and the Serpentine Column, which was taken from the Temple of Apollo at Delphi in Greece. Bogazici University offers an excellent history program. Another university in Istanbul is Yeditepe University, a prestigious institution at which students can learn Turkish language as well as culture. The university is a popular destination for students who want to study abroad in Turkey. Istanbul was recently named the European Culture Capital for 2010, due to its role as a European cultural crossroads. Ankara, the capital of Turkey, is another university town and home to many expatriates from around the world. Ankara dates back to the Bronze Age, and archaeology students will find a strong program at Bilkent University. Archaeology is an excellent subject to study in Turkey, as the country features the ruins of ancient Troy and is rumored to be the landing place of Noah's Ark, as well as the location of the Garden of Eden.

Another university in Istanbul is Yeditepe University, an institution at which students can learn the difficult Turkish language as well as the area's culture. The university is a popular destination for international students.

Turkey has been home to diverse religious traditions over the years, and today the country is overwhelmingly Muslim, but the church and state are firmly separated, and freedom of religion is enforced. Turkey is the only Islamic country that includes secularism in its Constitution and practices. Students who choose Istanbul's Marmara University will have the option to study religion if they desire.

Ankara, the capital of Turkey, is another university town and home to many expatriates from around the world. Ankara dates back to the Bronze Age, and archaeology students will find a strong program at Bilkent University. Archaeology is an excellent subject to study in Turkey, as the country features the ruins of ancient Troy and the sites of some of the world's earliest urban centers, dating back to the Neolithic period.

Architecture students will find diverse examples of historical styles in Ankara. The Middle East Technical University offers a fascinating program, and students will not have to travel far to do fieldwork. Ankara features such ancient architecture as the Ankara Citadel, which was completed by the Romans and altered by the Byzantines; the 2nd century B.C. Temple of Augustus and the Haci Bayram mosque built in 1429.

The famous Cappadocia region will be of special interest to geology students. The area features stunning volcanoes, cave towns and rock formations. The area's underground communities and rock cut churches and monasteries are likely fieldwork destinations for students studying geology at Ankara's Hacettepe University. The Devrent Valley is another geological destination with famous volcanic cones.

Students will find many attractions outside the classroom to keep them busy while in Turkey. The country is surrounded by seas on three sides, and many beautiful beaches line the coasts. The beaches of Antalya on the central Mediterranean coast are particularly popular. Since Greece lies just across the Aegean Sea, students may choose to go on side trips to take in the ancient country and its sights.

Turks are hospitable people, and their national pastimes include drinking tea, playing backgammon and soccer, and even camel wrestling. Students will discover an enchanting blend of Middle Eastern, Islamic and Mediterranean cultures. They can learn about Turkish folk heroes such as Nasrettin Hoca, the 13th century humorist and sage, as well as the 13th century philosopher and poet Yunus Emre and the 15th century folk poet Koroglu.

Students who choose Turkey as a study abroad destination can shop in the world's largest covered market, Istanbul's Grand Bazaar, and then head uptown to browse for discounted fashion goods and clothing in the department stores along Istiklal Caddesi. If they really want to break the bank, students can visit the posh district of Nisantasi. International students will be captivated by the charms of this fascinating land of so many glorious civilizations, from prehistory to the present.

Study in new zealand student visa in new zealand education in new zealand study abrod new zealand scholarship in new zealand

NEW ZEALAND EDUCATIONAL SERVICES


New Zealand has Vibrant cities with breath taking Spectacular scenery sets it apart from the rest of the world from rolling Green farm lands dotted with sheep, to barren and active volcanic desert areas, from golden sandy beaches with crystal clear blue water to majestic snow capped mountains, Fiords, Glaciers, lakes, Wild rivers, Native forest with Unique wildlife New Zealand has an international reputation as a provider of quality education. It offers safe and clean environment , which provides excellent study opportunities & support services for international students. Kiwis enjoy a more relaxed lifestyle than people in many other countries. They enjoy an excellent quality of life that compares well with other western nations. Even living in New Zealand is cheaper than many other countries. In a worldwide survey conducted in 2002, New Zealand ranked amongst the lowest 50 for cost but the highest 30 for quality of life.

Courses are available in academic, professional & vocational studies at universities, Polytechnics & institute of technology, colleges of education providers & secondary schools. Students’s who choose to study in New Zealand will find themselves in a country of great beauty, which enjoys a pleasant climate & a stable political environment. Apart from studying excellent educational opportunities, a wonderful environment, open friendly people with Thriving cultural life awesome options for recreation and Sporting opportunities to balance your study, a pleasant climate, open friendly English speaking people, fascinating history, and a dynamic multi cultural Safe and honest society.


Can I study in New Zealand?

We welcome people who wish to study in New Zealand, and are proud to offer high quality, internationally recognised courses. To keep up our good standards and reputation, there are some definite rules and requirements that students from other countries have to meet.

The application steps

Complete the form

Print and complete the form Student Visa/Permit Application PDF. Also available is the Student Visa Permit Guide PDF, which will assist you in applying. If you cannot print the form and guide, they are available from your nearest Immigration New Zealand branch.


Make sure you submit everything we require, including the fee


Along with your completed application form you will also need to provide all the information listed at the back of the application form and the correct fee. If you do not submit the required information with your application we cannot accept it for processing.


Make sure you meet our health requirements

What you have to provide us with depends on how long you will be staying in New Zealand.

Studying in New Zealand for between six months and one year?

You may also need to provide a completed Temporary Entry X-ray Certificate PDF to show you have been screened for tuberculosis .



Studying in New Zealand for more than one year?

You will need to complete a medical examination and a medical and X-ray certificate.


Pregnant women and children under the age of 11 years are not required to submit X-ray certificates unless a special report is required.

For full details on our health requirements, see the Health Requirements Leaflet PDF.


Make sure your meet our character requirements

If you are studying in New Zealand for more than two years you will also have to provide a police certificate, less than six months old, from your country of citizenship and from any country in which you have lived for five or more years since reaching 17 years of age.


Lodge your application

If you are applying from outside of New Zealand, your application must be made and approved before you are able to travel to New Zealand..


Student Visa

You may need to get a Student Visa or Permit to study in New Zealand as an international student Some people do need a student visa, some people don’t. But, most international students will need a permit that sets out the conditions of their stay here. Before you check whether you’re eligible for a visa, find out whether you need one because If the course you want to take runs for less than three months, you could apply for a visitor’s visa. You must ensure your course is NZQA approved. Find out about visiting New Zealand.

What is required Students

To be eligible to come to New Zealand as a student your course must meet the New Zealand requirements for international students. And there are requirements you must meet as a student.


What are the requirements my course has to meet?

The most important requirement is that you have an offer of a place from a New Zealand education provider such as a school, polytechnic or university. Study programmes offered to international students must meet specific course requirements


What requirements do I have to meet?

There are a number of general requirements you need to meet before you get here and others you must meet during your stay.




Student requirements

To be eligible to come to New Zealand as a student there are a number of conditions you need to meet before you get here and others you must meet during your stay.

Before you get here…


To enter New Zealand you need:

* to have an offer of a place from a New Zealand education provider such as a school, polytechnic or university
* evidence that you’ve arranged accommodation through the education provider or through another person
* a guardian who is eligible to accompany you, if required
* to be in good health and of good character.
* If your stay is longer than six months, in some cases you may need to complete a TB clearance. And if it's longer than two years, you'll have to provide medical and police certificates
a passport that’s valid for at least three months past the date you are to leave New Zealand
* proof that you plan to leave New Zealand once you’ve completed your study

While you’re here…

If you’re granted a Student Permit you need to meet certain conditions during your stay:

* attend the place of study noted in your permit. However you can apply to us to change your course or the institution. Want to know more.
* live with your guardian, if required
* make progress in your study pass your course
* you may only undertake work allowed by your Student Permit
* keep within New Zealand’s laws
* stay in New Zealand for the time allowed by your permit.


If you break any of these conditions the New Zealand Immigration Service may revoke your permit.

Study in usa scholarship in usa education in usa student visa in usa visa in usa study abrod usa

WHY STUDY IN THE USA

Maybe you want the very best education available. Maybe you want to put your career on the fast track by perfecting your English and working with top professionals in your field. Whatever your reasons, one thing is clear your next step is to come to the U.S.A. which will help you achieve your goals and have fun.

Choosing the USA

There are many reasons that students like to come to the USA to study at the undergraduate and graduate level learn more about what the USA has to offer an international student. You will find all of the resources and information you need in order to make the right decision on where to study. How will you choose your program? Where in the USA is best for you?

Application Process

The application process can be extensive and confusing. We have created an easy to follow timeline and breakdown of everything you will need to apply to your program of choice.

USA Education System

Want to study in the US but confused about the American education system? This section includes international student info on USA universities, USA colleges, ESL schools, USA high schools, vocational schools, boarding schools, etc. Get info about the USA education system and how it works. What is the difference between a bachelors degree and associate degree? What are the differences between universities in the USA, USA colleges, and USA community colleges?

Detailed information on associate degree, bachelor degree, masters degree, and PhD degree programs, academic credits, elective course options, types of USA schools, types of USA universities, what a liberal arts college is, and general USA education and graduation requirements for the international student.

Orientation

During the first few days, students participate in orientation activities to become familiar with the English Language Center, RIT and the city of Rochester. They also take English language proficiency tests and are placed at the level which best serves their needs. Instructors from the English Language Center are assigned as advisers to help students with cultural adjustment, housing, and university admission. Advanced level students may be permitted to take one or two classes at the university for credit. Students on student visas may work on campus and enjoy university life. They live in dormitories and eat in cafeterias with American students. Students with a C average in English classes receive a certificate.

Campus Facilities

The University has wonderful facilities for its 13,000 students. There is a library, weight room, indoor track, indoor Olympic sized swimming pool, tennis courts, indoor ice skating rink, and several cafeterias. There is a Health Center with two doctors, and special services on immigration issues for international students.

Financing Your USA Education

Can international students work while enrolled in USA universities, colleges or schools? This section offers advice and information on paying for your education in the USA. Includes information on the cost of study in the USA and attending USA universities, USA colleges and other types of USA schools. Financial aid for US study, international student loans, grants and international student scholarships.


USA Immigration

How does one get an international student visa to study in the US? Get information on immigration issues confronting each international student wanting to study in the US. Does the USA still welcome international students wanting to study in the USA? Which USA universities, USA colleges and USA schools are authorized to enroll international students?

Includes international student visa application info, passports, USA embassy information, USA visa regulations, US green card lottery application, and even the new SEVIS immigration rules. Obtain USA immigration forms and read about some of the recent USA immigration changes that will affect your study in the USA.

Graduation

You have many choices to make after you graduate look for a job? Continue on with your education? We can help focus your research on the next step for you to take on your journey.

scholarship in australia study in australia student visa in australia education in australia study abrod australia

Welcome to Study Australia

Australia offers some of the world’s best educational opportunities, and have an unrivalled reputation for welcoming and supporting international students.

The Study Australia website is a complete Information Resource for international students wishing to study in Australia.

If the information you want is not on the site, contact us by using our online enquiry form and we will provide the information you need. Let us know what you would like to study and where. We will find the best course and institution for you, and handle your application.




STUDENT VISAS TO AUSTRALIA

The Overseas Student Program (OSP) allows overseas students to come to Australia to participate in study at various levels, including, secondary, tertiary, post graduate vocational and non award courses.

Anyone wishing to study in Australia is required to obtain an appropriate Student visa before commencing any course. To be granted a Student visa your enrolment must be in a registered course on a full time basis.

There are currently almost 223, 000 students participating in Australia's Overseas Student Program.

We are your gateway to Australian education and training.

So, don't get frustrated by hours on the Internet trying to access the information you need. Let us guide you through the maze to success.

We have many years of experience assisting International Students to study in Australia. Each year over 500 international students, mainly from Asia, Africa and Europe work with our professional counselors. We can help you to examine your study options, identify the best course for your particular needs and background, and gain entry to your chosen program. We can also provide on going support services and counseling during your studies.



Can I study in Australia?

Find out if you can study in Australia and experience this wonderful country.

Work and Study in Australia
Information about the Australian student visa and your working options as a student.

School Study - (Pre & Sec)

This Australian educational level is suitable for students aged between 5 and 19



Vocational Study in Australia

Suitable for students who want to further their technical and trade skills.


University Study in Australia.

Suitable for students who want to obtain qualifications for entry to the professions.

Study English in Australia.

Suitable for those who want to improve their practical English skills for work or travel.

study in germany student visa in germany scholarship in germany education in germany visa in germany

Studying in Germany: Wide Range of Opportunities



Whether you’re an undergraduate or a postgraduate, Germany has a lot to offer its foreign students. On its Study in Germany Web site, DW WORLD.DE has put together an extensive bank of background information.


Germany pic




Application and Matriculation



Who handles admissions? Where do I need to apply? What if my degree is not recognized by German universities? Answers to everything from application to admission.



Germany images




Study and Resarch hand to hand




At the German universities research and studying go hand in hand. From anthropology to zoology, students can study just about everything. At the university the primary goal is gaining and
increasing knowledge.


Resarch photo


Entry Requirements



The most important thing here is getting the right information and preferably when you are still in your home country and in plenty of time. Tips and advice about entry requirements and visas for foreign students

germany picture



Summer, Sun, and studies





Want to study in Germany? Maybe even for a couple of semesters? Students who are looking to stay awhile can find some pretty attractive offers at German Institutes of Higher Education called Summer Courses.

Germany galary



Temple University in Germany: Intensive German Language



A four week program of intensive German language instruction. Courses are taught at the Herder Institute of the University of Leipzig, a school with over 50 years of excellence in advancing German Language skills and teaching about German culture and civil .




Resarch




Your DAAD


Select your level of study below to see information tailored specifically for you from scholarships to upcoming events to special announcements.

I am:
an undergraduate
a graduate student
a doctoral degree student or postdoc
a faculty member
a DAAD fellow in the US or Canada
an international student not from the US or Canada
looking for program application forms

A thoroughly modern classic City




From Goethe to Schiller, from Liszt to Nietzsche, the classical city of Weimar has played a role in the arts, philosophy and politics. Its reputation continues on today as a cultural centre in Germany.





Universities in Germany

* Aachen University of Technology
* Berufsakademie Ravensburg
* Christian Albrechts University
* Dortmund University
* Dresden Technical University
* Ernst Moritz Arndt University Greifswald
* Europa University Viadrina Frankfurt
* Fachhochschule Fulda
* Fachhochschule Karlsruhe
* Fachhochschule Reutlingen, Hochschule Technik und Wirtschaft
* Frankfurt University
* Freie UniversityBerlin
* Friedrich Schiller University, Jena
* GISMA Business School
* Heinrich Heine University
* Humboldt University, Berlin
* Institut f. Semantische Informationsverarbeitung
* Institut fur Lasertechnik
* Johannes Gutenberg University, Mainz
* Julius Maximilians University, Wrzburg
* Katholische University
* Ludwig Maximilians University................

scholarship in uk study abrod uk education in uk student visa in uk visa in uk

Study in Uk

UK qualifications are recognised and respected throughout the world. Your UK qualification will be a solid foundation for building your future, boosting your career and prospects for a higher salary. UK universities, colleges and schools will provide a vibrant, creative and challenging environment in which to develop your potential. Quality standards for UK institutions are among the best in the world. Universities, colleges and schools continually have to prove that their courses meet strict criteria. Many other countries are now trying to follow the example of the UK.

In an increasingly globalised world economy, people need special skills and qualities to succeed. Employers want employees who can think effectively, creatively and for themselves. This is an essential part of the UK learning experience. Institutions use a variety of teaching and assessment methods to encourage independence, as well as mastery of the subject.



The Study in UK section of our Directory aims to provide useful information and assist students in choosing undergraduate and postgraduate programmes as well as further education and vocational courses offered by academic schools, colleges and universities in the United Kingdom.
Study in UK also includes a good section on selected schools offering MBA and Business Programs.

By studying in the United Kingdom you have the option of living in one of four separate countries with easy travel throughout the rest of the UK. Wales, Scotland, Northern Ireland and England all have their own rich history, diverse culture, and vibrant lifestyle. Give it a go and explore the vivid coastline of Wales, holiday at a castle in Scotland, learn the history of Northern Ireland and roam the villages in England. Discover for yourself what makes the UK the leading study abroad destination.

The entry profiles include: description of courses and schools, contact details, application procedures, admission requirements, cost of studies, scholarships, grants, degrees,qualifications awarded and other practical information.


Watch international students talk about their UK education

Experience the soundtrack to studying in the UK. See what students, alumni and professionals from around the world have to say about a UK education.








What is your subject?




Whatever your chosen field of interest Art and design, Business, Engineering and Law to name a few on our site you can find detailed information about each subject category to help you decide on.

Find out more about studying and living in the UK

There’s so much to see and do in the UK, and so much to prepare for. Our information on studying and living in the UK will equip you with everything you need to know before you leave, so when you...









Project your head - win an iPod Touch



Are you currently studying in the UK? Become a Projectorhead and create a video diary of your UK experience. You could win a prize worth up to £200 including an iPod touch.



Looking for a scholarship?

Are you looking for financial assistance to help fund your studies? If so, we’ve got a wide range of options for you. Read more information about scholarship
opportunities or try searching our...










UK immigration procedures



Did you know the British Government has streamlined its visa process in recent years to make it more user friendly for international students? We’ve pulled together the key facts on the UK...