Student loan - Banks:

1. Gather all documents you may need to present or submit in order to apply for a loan.
2. Complete an application, make sure that you have provided all the required information in the form. Most forms can be downloaded from the bank's website.
3. Submitting an application:
   1. In person: Most loan applications are done in person, with the applicant or his/her guardian going to the bank. Submit the completed application form along with other required documents. Note: It will be better if you can get in touch with the bank's representative/loan officer/customer service by phone first before you go to the bank's branch. They can give you a checklist of required documents, answer some of your queries and direct you to the nearest branch of the bank in your area.
   2. Online: To save you some time, you may also check if you can start your loan application online. Some banks will ask applicants to complete a preliminary application to be submitted electronically. After reviewing the application, a bank representative will contact the applicant to tell them where can they submit their application and what documents will they need to produce.
4. Once your application is approved, the bank will ask you or your guardian to sign the loan agreement. Note: Read the loan agreement carefully before you sign, take note of the interest rate, grace period, when you will start repaying the loan and any penalties in case of default.

List down the documents required for successfully completing the procedure.

e.g.
1. Proof of child birth from the Hospital.

Please list down the office locations that can be approached for applying. External links can also be used specifying office locations.

Student loans offered by banks in Croatia are meant to help graduate/postgraduate students or public/private high school students in Croatia or abroad.

Eligibility criteria may vary per bank.

Explain the fees structure which is required for obtaining the certificate/document.

The principal student loan amount is normally paid after you have completed your course. Some banks even grant borrowers a grace period of up to 12 months (not included in the repayment term), during which you have to pay only interest at the nominal interest rate

Repayment term can last up to 10 years.

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Please attach sample completed documents that would help other people.

Please explain processing time taken in obtaining the document/certificate.

Videos explaining the procedure or to fill the applications. 
Attach videos using the following tag <&video type="website">video ID|width|height<&/video&> from external websites.
Please remove the "&" inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver, 
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url "http://www.youtube.com/watch?v=Y0US7oR_t3M" Video ID is "Y0US7oR_t3M". 
	

Student loans in Croatia - Banks:

Banks offers various student loan schemes, there are loans that can cover full-time or part-time study expenses, loans intended that can be use to pay for tuition fees for those studying abroad and loans granted to gifted students having a grade point average exceeding 4.5 (in accordance with the Croatian academic grading scale).

Before applying for a student loan:

• Make sure that you can present and submit all the required documents that the bank is asking for.
• Take note of the interest rate, conditions, and repayment scheme that the bank is offering.
• You might also need to consider the bank's customer service before you apply for a loan, since student loans are usually long term, it will make transactions easier and can spare you from a lot of headache in the future if your bank has good and accommodating bank representatives or loan officers.
• It may be helpful if you can ask your university/college if they offer any loans to students or if they have partnered with any banks that offers student financing.
• Loan amount: You may not need to accept the entire amount of the loan the bank is offering you. Remember that what you are getting is not a grant but a loan, meaning you will need to pay back everything plus interest sometime in the future.

A list which displays the kind of information which is required to complete the procedure.
e.g.
1. Date of Birth.
2. City or County of Birth.

Some banks in Croatia offers student loans that can help pay for school related expenses. The loan can be used to pay for monthly apartment rental expenses, food, pocket money, etc. It can also be used to finance seminars, workshops or other additional education or retraining in Croatia and abroad.

Student loan schemes are designed to make the student's academic life easier with its interest rate substantially lower than other personal loans offered by the bank and repaying the loan may be deferred while the student is still in school.

Here is a guide that can help students apply for student/education finance in Croatia.

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e.g. Birth Certificate can be used as proof of identity.

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