Before You Take an Education Loan for Germany - WATCH THIS | Real Costs & Traps!!! скачать в хорошем качестве

Before You Take an Education Loan for Germany - WATCH THIS | Real Costs & Traps!!!

I break down everything from personal experience, especially for students who: Don’t have collateral, Have a weak co-applicant CIBIL score 📌 What This Video Covers – How Pvt. banks/NBFCs treat students with no collateral – What happens before visa disbursement – What happens AFTER money is released – How much money went from my own pocket – How much came from the loan amount – processing fees charges, miscellaneous hidden costs 🔹 Brutality of NBFCs & Private Banks – Aggressive selling tactics 🔹 Forex & Health Insurance Nexus – Forced tie-ups – Overpriced forex rates – Health insurance you don’t even need at that. 🔹 HSBC Account – How these accounts are created 🔹 Documents Required for Education Loan – Documents genuinely required 🔹 Why This Video Focuses on NBFCs & Private Banks – My co-applicant CIBIL condition – No collateral situation 🔹 Germany Living Cost Reality (1 Year) – Realistic expense required for 1 year in Germany – What YouTube videos show vs actual student expenses 🔹 Loan Details I Got – Rate of Interest (ROI) – Moratorium period – Health insurance cost deducted – How repayment pressure actually starts ⚠️ IMPORTANT: CONSULTANT WARNING (NOT DISCUSSED IN VIDEO) I do NOT recommend education consultants I paid ₹50,000 to a consultant who did almost nothing except writing an SOP and uploaded another student’s documents into my application portal which completely messed up my application process and reduced my acceptance chances. In reality I did 90% of the work myself and they added risk, not value. If you’re willing to research and think independently, consultants are "unnecessary and dangerous". 🎯 Who Should Watch This Video? ✔ Students planning Germany public universities ✔ Students with no collateral, and have weak Co-Applicant ✔ Students depending on NBFCs or private banks ✔ Parents who want transparency before signing anything ❌ Who This Video Is NOT For ✖ People looking for sugar-coated motivation ✖ “Just trust the system” believers 📢 Final Advice Education loan is not free money it’s a long-term financial weapon pointed at YOU if you don’t understand it. Watch fully. Think twice. Ask hard questions. NIYO & Expatrio Referral (Germany Students 🇩🇪) If you’re planning to study in Germany, these two are basically unavoidable: 🔹 Expatrio: for Blocked Account + Health Insurance 🔹 NIYO: digital banking and want cash with 0 FOREX fees after landing in Germany I’ve used these services myself, so sharing my referral links below 👇 Using them gives you benefits/bonuses (and supports the channel at no extra cost to you). 👉 Expatrio Referral Link: https://www.expatrio.com?f=shivamm8 👉 NIYO Referral Link: https://goniyo.onelink.me/zKhp/xy6ws4dz (Use my code WWLYLEGA and grab ₹250 in Niyo Coins as a joining bonus 💰.) No paid promotion. Just real help for future Germany students. 📲 Instagram (DMs open): 👉   / mishrajionly   #studyingermany #germanypublicuniversity #msinGermany #germanystudentvisa #indianstudentsingermany #educationloan #educationloanindia #studentloanreality #nbfc #privatebankloan #educationloanscam #studentawareness #loantrap #hiddencharges #financialliteracy #hsbcaccount #hsbc #studentfinance #loanprocess #bankingreality #realexperience #nofilter #studentstruggle #noconsultant