5
Mar

Please refer to the multiple other postings on this blog about the Caja Madrid loan program as well, but here are some basic pointers about the Caja Madrid loan program that are key to keep in mind:

  1. Under no circumstances is the Caja Madrid option guaranteed, as such we recommend students see it as a plan B to another primary option.  This is especially true for international students who do not yet have a NIE number (see: Caja Madrid and Residency (NIE) Requirements for more information on NIE numbers).
  2. While not necessary, having a local cosigner who is a Spanish fiscal resident (living and working in Spain) helps with regards to the credit evaluation process.  Credit markets, globally, are complicated at the moment, and the more you can reduce the risk for lending institutions, the better your chances of getting a loan from them.
  3. Spanish law requires that if you are married and are living with your spouse under a shared-asset regime, then both you and your spouse must present your documentation individually, and both must physically be in Madrid to sign the loan contract, if awarded a loan from Caja Madrid.
  4. Cosigners must always be Spanish fiscal residents.
  5. Please pay extra attention to the email correspondences sent by the Financial Aid Assistants regarding your pending loan application.  Failure to do so, and act on the requests they send, is a primary reason for much longer than expected waiting times for loan decisions from Caja Madrid.

Comments

Cesar Morales Guerra November 13, 2009 - 4:08 am

Hola, quisiera saber más datos sobre el préstamo estudiantil de la Caja Madrid.

Estoy en proceso de selección para el International MBA.

Quisiera saber tasas de interes y periodos de repago de deuda máximo con lo que trabajan.

Muchas gracias,
César Morales

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mini jain September 23, 2017 - 7:50 am

Under no circumstances is the Caja Madrid option guaranteed, as such we recommend students see it as a plan B to another primary option. This is especially true for international students who do not yet have a NIE number (see: Caja Madrid and Residency (NIE) Requirements for more information on NIE numbers).
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mini jain September 23, 2017 - 7:51 am

necessary, having a local cosigner who is a Spanish fiscal resident (living and working in Spain) helps with regards to the credit evaluation process. Credit markets, globally, are blackberry chat complicated at the moment, and the more you can reduce the risk for lending institutions, the better your chances of getting a loan from them.

mini jain September 23, 2017 - 7:51 am

blogger service law requires that if you are married and are living with your spouse under a shared-asset regime, then both you and your spouse must present your documentation individually, and both must physically be in Madrid to sign the loan contract, if awarded a loan from Caja Madrid.
Cosigners must always be Spanish fiscal residents.

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