Starting your loan application - banks:

• Gather all the required documents: Banks will usually evaluate the applicant's/borrower's character, capacity to repay the loan and ability to comply with the banks' condition. The documents you will be presenting will aid the bank in making a decision whether to grant or deny your loan request. Make sure that you can present and submit all the required documents that the bank is asking for. Some banks may ask you to submit additional documents aside from the ones listed on the 'Required documents' section, it will be better if you can get in touch with the bank by phone or check the bank's website first before going to the bank. Ask the bank representative/loan officer if he/she can give you a checklist of required documents and direct you to the nearest branch of the bank in your area.
• Most loan applications are done in person, with the borrower going to the bank, filling in an application form and submitting the completed form along with all other required documents. Note: Before you go to the bank check you will have to set up an appointment first.
• It might also be helpful if you can check the bank's website again and see if you can start your loan application online. Some banks have a preliminary application form available online which the borrower must fill in and submit. After reviewing the application, a lending officer will contact you to discuss your application.
• Non-interest loan packages: You may need to get in touch with a bank officer to see if you can avail this service. The eligibility criteria is different for this type of loan and they may require you to have a certain number of accounts with the bank.
• Loan Agreement: After submitting all the required documents and once it is approved, the bank will ask you/the borrower to sign the loan agreement. For some banks the loan agreement form is actually the application form itself. Usually found on the bottom of the form is the loan agreement clause where it states the terms of the loan and features a space where you (the borrower) can affix your signature and sometimes another space for the guarantor. 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.

Some documents that banks may ask loan applicants to produce:

• Signed application form
• Valid identification
• Proof that the student is enrolled in a university/college
• The applicant might also need to submit a copy of the Family ID Card to the Bank when applying for a non-interest loan package.

Note: Documents listed above are just some of the requirements that a bank may ask you to submit, it may vary per bank or some banks may ask you to produce additional documents. Get in touch with the bank by phone or check the bank's website first before going to their office to apply for a loan.

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For banks offering non-interest loan packages, they require:

• That the head of the family receives his monthly salary and other financial rights through the Bank;
• That the head of the family has at least three various savings accounts;
• That if the mother is employed and receives her salary via the Bank, this may entitle the whole family to obtain more non-interest loan services offered by the Bank;
• That the applicant do not have more than two outstanding loans with the Bank;

Notes:

• The eligibility criteria above is for non-interest loan packages offered by banks. Non-interest loan packages is not available in all banks.
• There is a different eligibility criteria for banks offering ordinary personal loans or student loan packages.

The banks may charge applicants/borrowers a commission or loan processing fee.

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Things you should know before applying for a loan:

Before you apply for a loan, carefully take note of the interest rate, conditions, and repayment scheme that the bank is offering. Look into several banks and do some research regarding the banks application process. It may be helpful if you can ask the schools directly if they offer any loans/scholarships to students or if they have partnered with any banks that offers student financing.

One thing that you also need to consider in choosing where to apply for a student loan is the bank's customer service, it will make transactions easier and can save you from a lot of stress in the future if your bank has good and accommodating bank representatives or loan officers.

Tip: You may not need to accept the entire amount of loan the bank is offering you. Since you will be paying back the loan sometime in the future, it will be more ideal if you will only borrow what you need.

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There are banks in Djibouti that offers personal loans that can help parents pay for their children's cost of education. Some banks even offers Non-Interest Loan Service Package to their customers (those that have an account with them or receives their salary through the bank), the borrowers can choose from different loan packages and one of them is a non-interest loan package for studying.

Following is a guide on how parents can apply for a study loan or seek financial aid in Djibouti.

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