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Frequently Asked Questions

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Yes, OPEX Empowerment Loans from Auxilo can be instrumental in upgrading your education institution's technology. From investing in smart classrooms to computer lab upgrades and robust IT infrastructure, these loans empower institutions to deliver a modern education.

Choosing the best study track in Germany depends on your personal preferences and targets. Popular study options in Germany are business, engineering, computer studies, health, law, finance, and global affairs. Moreover, Germany provides specific programs like car engineering, sustainable power, bioengineering, and space flight engineering.

The cost of studying in the UK for Indian students will vary depending on the course, institution, and other factors. Generally, tuition fees for international students can range from around ?10,000 to ?20,000 per year, depending on the type and level of the course. Other costs including accommodation, food, and transport should also be taken into account when budgeting.

International students can stay in the US for 60 days that follow their studies completion. If you want to keep staying here, then you need to get another kind of visa.

To study in Singapore as an Indian student, you will need to meet the academic and English language requirements of the institution you wish to attend, as well as obtain a student visa.

It is completely safe; we will be using your Aadhaar details for identity-related transactions/operations. We are not storing your Aadhar number.

All institutions typically ask for documents like proof of address, proof of age, and proof of income. However, every institution may also request a few documents in accordance with the student loan eligibility criterion.

The cost of accommodation in the UK varies depending on the type of accommodation and the location. Generally, renting a room in a shared house in a city centre will cost around 550-700 per month. Renting a one-bedroom apartment in a city centre may cost around 850-1,000 per month. Living in a small town or rural area will generally be a bit cheaper than living in a city.

Pan card & Aadhar for KYC, identity and address verifications, employment credentials like Form 16, ITR as per RBI directives. The banking credentials for underwriting and ENACH setup. The loan sponsor/financial co-applicant consent, KYC, banking details.

Your co-applicant can be your parents, siblings, parent-in-law, or spouse.

Your parents, siblings, spouse, parents-in-law, first blood relatives, legal guardians, to name a few.

The repayment of the loan has to be done from operative bank account through NACH.

Collateral may be required for some loan options, but there are also unsecured loan options available where no collateral is required, with us.

You can go back to your form using the same phone number you previously used. You can continue the application from the part where you left.

Yes, your credit history can impact your job search. Several multi-national, financial and IT companies run thorough background checks on all applicants and even check their credit history. In many cases, they might run an international credit check in case you've worked or lived abroad. If you have not been able to manage your finances and repayments in the past, you may not get selected for the job.

Yes, Auxilo offers Education Loan Re-Finance options at a competitive pricing and flexible tenures that match your requirements.

This depends on your individual situation. Many international students live in student dormitories, private apartments or shared flats. Student dorms are the most popular option for international students as they provide a good balance between convenience and cost. Private apartments or shared flats are also options, but they usually require a larger budget. For more information on accommodation options in Germany, please visit the websites of the German Studentenwerk or the DAAD (German Academic Exchange Service).

No, currently we provide only the EMI (Equated Monthly Instalment) method of repayment.

Yes, Auxilo provides loans for facility improvements such as enhancing school cafeterias, auditoriums, administrative blocks, and improving transportation options.

1. Review Your Finances: Before planning your student loan repayment, it is essential to review your finances. Take a look at your income, expenses, debts, and savings. This will give you a better understanding of where you stand financially and how much money you have available for loan repayment.2. Calculate Your Debt-to-Income Ratio: Your debt-to-income ratio is the total debt you have divided by your total income. This ratio gives you an idea of how much of your income is going to debt repayment.3. Estimate Your Loan Repayment Amount: Once you have your debt-to-income ratio, you can estimate how much you can afford to pay on your student loans each month. Consider setting aside a certain percentage of your monthly income for loan repayment.4. Research Repayment Options: There are several different repayment options available for student loans. Research each option to find the one that best fits your financial situation. You can find a repayment plan with a lower monthly payment or a shorter repayment term.

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