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University Educational Loan

Your future starts here

If cash is the only thing standing between you and the degree you want, look no further. Byblos Bank’s University Educational Loan can help you get the schooling you need to build a solid career and enjoy a stable future. 

  • Financing

    Up to 75% of tuition

  • Repayment Period

    Up to 10 years

  • Added savings

    Zero filing fees

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Distinctive Features

  • Special Benefits

  • Very competitive interest rate
    Zero filing fees
    Maximum loan amount LBP 75 million for medical field, LBP 60 million for all others 
    Grace period of one year from date of graduation
    Repayment period of up to 10 years (excluding grace period)
    Life insurance for student at very competitive rate
     
Eligibility
You must be a Lebanese citizen aged between 18 and 35 studying at an accredited university in Lebanon
For students enrolled for first year, minimum grade of 12/20 on official baccalaureate or equivalent 
For students enrolled for second or subsequent years and applying for loan for first time, minimum grade of 11/20 or GPA of 2.5 for Medical and Engineering, 2.8 for other majors or equivalent
For students enrolled for second or subsequent years and renewing loan, passing grades 
Your guarantor should have a minimum monthly income of USD 800 (or equivalent in LBP) and must be less than 64 years of age at the end of the grace period 
If your guarantor is retired or does not meet these requirements, a mortgage must be provided on acceptable assets with a value of at least three times the expected loan amount by the completion of your degree
 
Required Documents

Required documents from Student at application:
1. Copy of Valid Photo ID or Passport
2. Proof of residence
3. Original semestrial or annual tuition fees as per pro forma invoice from university
4. Official baccalaureate grades for students enrolled in first year or official grade transcript from university for second and subsequent years

Required documents from Student at loan renewal:
1. Original semestrial or annual tuition fees from university
2. Proof from the university that the borrower has successfully passed university credits signed up until such date

Required documents from Guarantor:
1. Copy of Valid Photo ID or Passport
2. Proof of residence
3 .If employee, certificate of salary with a copy of salary slip or a statement of account showing salary domiciliation (only at first disbursement); during remaining years a copy of most recent salary slip if available (if not, statement of account showing salary domiciliation)
4. If self-employed or has a liberal profession, copy of statement of account for the past 6 months and declaration of income for the past 2 years (to be updated on yearly basis at each renewal) or balance sheet and income statement, copy of company trade register (if any)
5. In case of mortgage, copy of free and clean title deed
6. Any additional document(s) that the Bank may find necessary

 
Conditions and Guarantees

Available only in LBP
Personal guarantee from qualified guarantor
Life insurance covering the whole loan contracted with ADIR, a member of the Byblos Bank Group

 

The Bank has the right to request additional guarantees in certain cases

 
Example of Annual Percentage Rate (APR)
APR calculation includes stamp fees and life insurance
Currency: LBP
Client: 18 years old and in good health (based on the Bank’s medical questionnaire) 
Loan amount: LBP 75 million
Loan period in years: 7
Grace period: 1 year 
Fixed interest (regressive): 3%
APR 4.158%*
* With zero filing fees
 

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