The following checklist is required in order to apply for a visa (European countries).
1)The offer letter from the university (unconditional offer letter).
2)Visa letter from the same university who offered you a seat.
3)All educational certificates right from secondary school leaving certificate till under graduation certificates.
4)Financial support documents (loan sanction letter, bank pass book, Bank statement).
Note: The loan sanction letter will be having all the terms and conditions some time the visa officer may not go through all the points and there is a chance of rejecting your visa .So try to get a letter from your bank stating that the student has satisfied all the terms and conditions that is mentioned in a loan sanction letter and the loan amount would be released into his account as soon as he gets his/her visa stamped in the passport.
5)If you are having the funds in your bank account even then you need to get a letter from the bank manager stating that the amount that is present in his/her account can be withdrawn by the student at any point of time.
6)I request the applicants not to delay or wait until last minute try to prepare yourself as early as possible so that everything would go smooth. Last minute rush up will make you tense, try to enjoy and learn every moment you live.
These are the few checklists that should be submitted in order to apply for the visa.
ADVANCE CONGRATS FOR THE VISA APPLICANTS….
Tuesday, 22 September 2009
PROCEDURE FOR GETTING LOAN FROM A NATIONALIZED BANK
I am having a very good experience running behind different branches of a nationalized bank to and fro for more than a month. I would like to share my experience to the younger brothers and sisters who would be applying for educational loan if required.
As usual let me start with a proverb prepare for the best and be ready for the worst.
1)Approach the bank manager in which you have the bank account and talk to the bank manager whether he can or not because at last they may say that our bank is very small and they have a limit to sanction only 10 to 12 educational loan which they have reached.
In turn as the customer of the bank you have the rights to ask the branch manager that it’s true he has reached the target but he can exceed his expectation of his higher official by sanctioning your educational loan sanction letter.
2)Once if your manager accepts your loan amount ask him to provide you all the required forms that have to be filled and ask him/her to provide you with the checklist for the documents you should be attaching with your application form.
3)Once if you are done with filling application forms then take a photocopy of the application form and submit it as early as possible with all the reference documents etc.
4)Any nationalized bank manager would be forwarding it to the head office where the Chief Manager or Assistant General Manager (AGM) would be the deciding authority once if everything is fine.
5)Before sanctioning the loan they will go through all the documents and if the loan amount exceeds 7.5 L then you need to provide collateral security (plot or flat).
6)They would be inspecting with the help of engineer who would be assessing the worth of the land and in turn would be submitting their report to AGM.Along with this we need to submit the photocopies of the land document to the advocate who would be referred by the branch managers who in turn would be submitting a report that there is no problem in the documents this process is called legal opinion.
7)Once if everything is done the loan sanction letter has to be sanctioned within few days.
Suggestion: I would suggest aspiring/deserving students who would like to pursue their higher studies to go approach State Bank of Hyderabad (SBH), Whites Road Branch. The branch manager is not only helping the aspirant student but also encouraging the students like me.
WISH YOU ALL THE VERY BEST
As usual let me start with a proverb prepare for the best and be ready for the worst.
1)Approach the bank manager in which you have the bank account and talk to the bank manager whether he can or not because at last they may say that our bank is very small and they have a limit to sanction only 10 to 12 educational loan which they have reached.
In turn as the customer of the bank you have the rights to ask the branch manager that it’s true he has reached the target but he can exceed his expectation of his higher official by sanctioning your educational loan sanction letter.
2)Once if your manager accepts your loan amount ask him to provide you all the required forms that have to be filled and ask him/her to provide you with the checklist for the documents you should be attaching with your application form.
3)Once if you are done with filling application forms then take a photocopy of the application form and submit it as early as possible with all the reference documents etc.
4)Any nationalized bank manager would be forwarding it to the head office where the Chief Manager or Assistant General Manager (AGM) would be the deciding authority once if everything is fine.
5)Before sanctioning the loan they will go through all the documents and if the loan amount exceeds 7.5 L then you need to provide collateral security (plot or flat).
6)They would be inspecting with the help of engineer who would be assessing the worth of the land and in turn would be submitting their report to AGM.Along with this we need to submit the photocopies of the land document to the advocate who would be referred by the branch managers who in turn would be submitting a report that there is no problem in the documents this process is called legal opinion.
7)Once if everything is done the loan sanction letter has to be sanctioned within few days.
Suggestion: I would suggest aspiring/deserving students who would like to pursue their higher studies to go approach State Bank of Hyderabad (SBH), Whites Road Branch. The branch manager is not only helping the aspirant student but also encouraging the students like me.
WISH YOU ALL THE VERY BEST
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