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BGL BNP Paribas - La banque d'un monde qui change
BGL BNP Paribas - La banque d'un monde qui change
STARTIN
Étudiants

Your studies

Prepare them right now!

 

HOW TO FINANCE YOUR STUDIES?

You are a resident of Luxembourg or the Greater Region, benefit from our Student offer to finance your studies, even abroad :

Money advance of € 5,000 at 0% interest
Deposit of up to € 5,000
V PAY and Visa cards for free
International insurance OptiStudent
The advance¹ is paid on your account to help you to settle down in your new university city. Use this loan to pay your initial expenses (registration, rent, furniture, etc.). This advance has to be repaid at the time you receive the money from your student loan Cedies.
Valid for a rental property2 in Luxembourg and the rest of the European Union. BGL BNP Paribas sends a proof of deposit to your future owner, so you do not need to block this sum on your account.
These cards allow you to make purchases and withdrawals on a daily basis. Withdrawals with the V PAY card are free of charge at all BGL BNP Paribas ATMs in Luxembourg, all BNP Paribas group ATMs in the euro zone, and all Deutsche Bank ATMs in Germany.
With the OptiStudent insurance, which is free for 5 years, you are insured worldwide3 in the event of illness, accident or hospitalization. You can also benefit from a 24/7 support service. Your basic necessities are reimbursed in case of delay of more than 8 hours of your luggage.
1) Offer subject to terms and conditions. 2) A rental guarantee is a sum of money that the owner of your apartment asks you before accepting to rent you the property. 3) With the exception of countries in war situation. More informations in our branchs.

HOW CAN YOU BENEFIT FROM THIS SPECIAL OFFER?

  Make an appointment online on bgl.lu or call us at 42 42-2000!   Get a quick appointment:  

First Name*

Name*

Address*

Date of birth*

Tel*

Email*

Which time do you prefer to be called?

8 am-12 pm12 pm-2 pm2 pm-5 pmAfter 5 pm



Prepare your application in advance! For your next visit in our branch, do not forget:
  • Your passport or identity card
  • Receipt of Cedies, proving that you have applied for financial aid
   

HOW TO PROCEED TO BENEFIT FROM THE FINANCIAL AID OF CEDIES?

Our two-minute short tutorial (video in French) explains all the requirements and procedures for applying for Cedies financial aid. Watch it now!

DOES BGL BNP Paribas ALSO OFFER THE STUDENT LOAN?

Of course! Once you received the letter of agreement from Cedies, you can immediately pass in a BGL BNP Paribas branch to profit from the student loan up to € 12,650. Do not forget to bring your ID card and the cedies letter of agreement.

WHEN AND HOW CAN YOU REPAY YOUR STUDENT LOAN?

Because a student loan must be repaid, keep the following in mind:
  • Maximum loan of € 12,650
  • Maximum 2% rate guaranteed by the Luxembourg government
  • Repayment within two years after the end of your studies
  • Payment of interest twice per year
  • 10-year repayment period
*Example for illustration purposes: for a 120-month loan totalling € 10,000 with a debit rate fixed on the Euribor rate for 3 months of 2% max., you will repay 120 instalments of maximum EUR 92.01 (not counting optional insurance). No application fees (as long has you have an have an ‘Essentiel’ offer ). Total amount due by the borrower: € 11,141.

DO YOU PLAN TO CONTINUE YOUR STUDIES IN FRANCE ?

Even though you may continue to use your Startin’ account, you may still need to open an account in France to manage your daily banking needs while you are studying : to pay your rent, ancillary rental expenses, internet subscription and a variety of other expenses. You can open your French bank account from Luxembourg. Make an appointment at the Kirchberg branch, opposite the Robert Schuman hospital (10, rue Edward Steichen, L-2540 Luxembourg). We will take care of the whole process!

CAN YOU FINANCE YOUR HOLIDAYS OR A SCOOTER WITH THE STUDENT LOAN ?

You do not have to justify what you are going to do with your student loan even though in theory this loan should be used to finance your school fees and the costs related to your student life.    

BGL BNP Paribas S.A., 50 avenue J.F. Kennedy, L-2951 Luxembourg, Tél. (+352) 42 42 -1, Fax (+352) 42 42-2579



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