{"id":25145,"date":"2025-11-02T14:22:16","date_gmt":"2025-11-02T13:22:16","guid":{"rendered":"https:\/\/europedia24.com\/studentski-krediti-u-njemackoj-podobnost-i-uvjeti\/"},"modified":"2026-07-14T20:04:29","modified_gmt":"2026-07-14T19:04:29","slug":"studentski-krediti-u-njemackoj-podobnost-i-uvjeti","status":"publish","type":"post","link":"https:\/\/europedia24.com\/hr\/studentski-krediti-u-njemackoj-podobnost-i-uvjeti\/","title":{"rendered":"Studentski krediti u Njema\u010dkoj: Podobnost i uvjeti"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Razmatrano <strong>Studentski kredit u Njema\u010dkoj<\/strong> Jedna od najva\u017enijih pomo\u0107i koju dr\u017eava pru\u017ea studentima jest prevladavanje visokih \u017eivotnih tro\u0161kova u zemlji, bilo da se radi o stambenim ili svakodnevnim tro\u0161kovima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uloga studentskog kredita nije samo pokriti tro\u0161kove \u017eivota, ve\u0107 i financirati studije i ste\u0107i dobru razinu obrazovanja, iako je obrazovanje u Njema\u010dkoj karakteristi\u010dno po niskoj cijeni, a u nekim slu\u010dajevima i besplatno.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naravno, postoje odre\u0111ene kategorije koje ispunjavaju uvjete za studentski zajam, uz brojne zahtjeve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">Prednosti dobivanja studentskog kredita u Njema\u010dkoj &#8220;Bavug&#8221;<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.jpg\" alt=\"Studentski zajam u Njema\u010dkoj\" class=\"wp-image-6737\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.jpg 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.jpg 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.jpg 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.jpg 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Studentski kredit u Njema\u010dkoj je metoda koju dr\u017eava pru\u017ea za osiguranje obrazovnih sredstava studentima, bez obzira \u017eele li ste\u0107i diplomu prvostupnika ili magistra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studentski krediti u Njema\u010dkoj poznati su i kao BAFOG, \u0161to je skra\u0107enica te rije\u010di <strong>Bundesausbildungsforderungsgesetz<\/strong><strong>.<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Njema\u010dka radi na pru\u017eanju studentskih zajmova svim studentima u zemlji, na mjese\u010dnoj bazi, na temelju Saveznog zakona o potpori obrazovanju.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trajanje zajma odre\u0111uje njema\u010dka vlada na temelju prirode studentske situacije, koja se odre\u0111uje tijekom odobravanja kredita studentu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>BAf\u00f6g pru\u017ea brojne prednosti studentima u Njema\u010dkoj, koje su predstavljene na sljede\u0107i na\u010din:<\/strong><strong><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>U Njema\u010dkoj mo\u017eete lako dobiti studentski kredit bez kompliciranih postupaka.<\/li>\n\n\n\n<li>Zajam poma\u017ee pokriti tro\u0161kove \u017eivota u Njema\u010dkoj.<\/li>\n\n\n\n<li>Poma\u017ee osigurati financiranje za studij u Njema\u010dkoj.<\/li>\n\n\n\n<li>Iznos zajma ispla\u0107uje se mjese\u010dno kako bi se pomoglo studentima.<\/li>\n\n\n\n<li>Iznos zajma odre\u0111uje se proporcionalno prirodi svakog studenta.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Treba napomenuti da se studentski kredit ne mo\u017ee odrediti prema odre\u0111enom iznosu, jer ovisi o mnogim uvjetima i \u010dimbenicima prikazanim u sljede\u0107em:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mogu\u0107nosti i prihodi u\u010denika, njegovi\/njezini roditelji ili partner.<\/li>\n\n\n\n<li>U slu\u010daju dodatnih prihoda, iznos zajma bit \u0107e smanjen.<\/li>\n\n\n\n<li>U slu\u010daju visokog dodatnog prihoda, zajam \u0107e biti odbijen.<\/li>\n\n\n\n<li>Osobe mla\u0111e od 25 godina dobit \u0107e zajam od oko 752 \u20ac mjese\u010dno.<\/li>\n\n\n\n<li>Osobe u dobi od 25 do 29 godina dobit \u0107e 861 \u20ac mjese\u010dno.<\/li>\n\n\n\n<li>Osobe koje navr\u0161e 30 godina dobit \u0107e \u20ac941 mjese\u010dno.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Koji su uvjeti i prednosti <a href=\"https:\/\/europedia24.com\/%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d8%a3%d8%b3%d8%aa%d8%b1%d8%a7%d9%84%d9%8a%d8%a7\/\">Studij u Australiji<\/a>?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Kategorije kojima je dopu\u0161teno dobivanje studentskog zajma u Njema\u010dkoj<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Njema\u010dka omogu\u0107uje svim studentima koji \u017eele studirati u zemlji da lako dobiju studentski kredit u Njema\u010dkoj, ali samo ako si student ne mo\u017ee priu\u0161titi \u017eivot tijekom boravka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prema tome, Njema\u010dka dopu\u0161ta mogu\u0107nost dobivanja zajma nakon ispunjavanja svih potrebnih uvjeta, ali op\u0107enito su kategorije kojima je dopu\u0161ten zajam sljede\u0107e:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Sirijci koji su do\u0161li u Njema\u010dku prije 1. velja\u010de 2013.<\/li>\n\n\n\n<li>Njema\u010dki dr\u017eavljani.<\/li>\n\n\n\n<li>Gra\u0111ani zemalja EU.<\/li>\n\n\n\n<li>Nositelji boravi\u0161nih dozvola bez deportacije, ali samo ako su u Njema\u010dkoj najmanje 15 mjeseci.<\/li>\n\n\n\n<li>Njema\u010dki nositelji boravi\u0161nih dozvola.<\/li>\n\n\n\n<li>Ljudi koji nemaju nikakvu nacionalnost ili identitet.<\/li>\n\n\n\n<li>Izbjeglice u slu\u010daju stjecanja izbjegli\u010dkog boravka ili dodatne za\u0161tite.<\/li>\n\n\n\n<li>U\u010denici s tjelesnim invaliditetom.<\/li>\n\n\n\n<li>Trudne studentice.<\/li>\n\n\n\n<li>U\u010denici s djecom.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Koji su uvjeti i prednosti <a href=\"https:\/\/europedia24.com\/%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d8%a5%d8%b3%d8%a8%d8%a7%d9%86%d9%8a%d8%a7\/\">Studij u \u0160panjolskoj<\/a>?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Uvjeti za dobivanje njema\u010dkog Bafog zajma<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Kategorije-Dopu\u0161teno-iskori\u0161tenje-studentskog kredita u Njema\u010dkoj\" class=\"wp-image-6736\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0627\u0644\u0641\u0626\u0627\u062a-\u0627\u0644\u0645\u0633\u0645\u0648\u062d-\u0644\u0647\u0627-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Nakon \u0161to saznate o kategorijama koje su dopu\u0161tene za dobivanje studentskog kredita u Njema\u010dkoj, morate se pridr\u017eavati potrebnih uvjeta koji pove\u0107avaju \u0161anse za \u0161to br\u017ee dobivanje odobrenja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uvjeti potrebni za dobivanje Bafog kredita su sljede\u0107i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kandidat ne smije imati vi\u0161e od 30 godina u slu\u010daju preddiplomskog studija.<\/li>\n\n\n\n<li>Kandidat ne smije imati vi\u0161e od 34 godine u slu\u010daju magistarskog studija.<\/li>\n\n\n\n<li>Poja\u0161njenje financijske situacije podnositelja zahtjeva ili njegovih\/njezinih roditelja.<\/li>\n\n\n\n<li>Nemojte mijenjati specijalizaciju studija nakon podno\u0161enja zahtjeva za kredit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Iako je propisano da se studija ne smije mijenjati nakon podno\u0161enja zahtjeva za zajam, postoje slu\u010dajevi u kojima se zajam mo\u017ee dobiti promjenom teme studije, a koji su predstavljeni u sljede\u0107em:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ako studira\u0161 u inozemstvu vi\u0161e od 4 semestra.<\/li>\n\n\n\n<li>U\u010dite 5 semestara i promijenite temu studija, i ovdje student nema pravo na zajam osim ako ne postoji uvjerljiv razlog za promjenu predmeta.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Najbolja sveu\u010dili\u0161ta, instituti i tro\u0161kovi <a href=\"https:\/\/europedia24.com\/%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d8%b3%d9%88%d9%8a%d8%b3%d8%b1%d8%a7\/\">Studij u \u0160vicarskoj<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Dokumenti potrebni za Bafog studentski kredit<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Postoje neki potrebni papiri i dokumenti koje morate pripremiti, kako biste ih prilo\u017eili uz prijavu i poslali nadle\u017enim tijelima, gdje mo\u017eete dobiti obrasce za prijavu <a href=\"https:\/\/www.xn--bafg-7qa.de\/bafoeg\/de\/antrag-stellen\/alle-antragsformulare\/alle-antragsformulare_node\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Ova poveznica<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti dokumenti moraju sadr\u017eavati to\u010dne informacije kako bi se pove\u0107ale \u0161anse za lako dobivanje odobrenja, a potrebni dokumenti su sljede\u0107i:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Svi osobni podaci moraju biti ispravno ispunjeni.<\/li>\n\n\n\n<li>Kopija boravi\u0161ne dozvole izdane od strane Ureda za strance.<\/li>\n\n\n\n<li>Kopija prvog lista iz Ureda za zapo\u0161ljavanje, poznatog kao Centar za zapo\u0161ljavanje.<\/li>\n\n\n\n<li>Dokument iz Ureda za socijalna pitanja &#8220;Socijalni umt&#8221;.<\/li>\n\n\n\n<li>Kopija ugovora o najmu stana.<\/li>\n\n\n\n<li>Bankovni izvod u Njema\u010dkoj koji pokazuje sposobnost podnositelja zahtjeva da si priu\u0161ti dnevne tro\u0161kove.<\/li>\n\n\n\n<li>Formula br. 3 vezana uz roditelje.<\/li>\n\n\n\n<li>Formula o partneru u slu\u010daju braka.<\/li>\n\n\n\n<li>Prilo\u017eiti Prilog 1 Formuli 1, koji su dokumenti vezani uz prethodnu studiju, s obja\u0161njenjem vrste studije i specijalizacije.<\/li>\n\n\n\n<li>Obrazac br. 2 mora se ispuniti na recepciji sveu\u010dili\u0161ta gdje \u0107e se studij odr\u017eavati.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Saznajte vi\u0161e o tro\u0161kovima <a href=\"https:\/\/europedia24.com\/%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d9%84%d9%8a%d8%ae%d8%aa%d9%86%d8%b4%d8%aa%d8%a7%d9%8a%d9%86\/\">Studij u Lihten\u0161tajnu<\/a> Za Arape Lihten\u0161tajn<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0709e3\" class=\"has-inline-color\">Koraci za podno\u0161enje zahtjeva za studentski kredit u Njema\u010dkoj<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a-1024x576.webp\" alt=\"Uvjeti za dobivanje njema\u010dkog Bavug zajma\" class=\"wp-image-6738\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0634\u0631\u0648\u0637-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0642\u0631\u0636-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Proces podno\u0161enja zahtjeva za studentski kredit u Njema\u010dkoj jednostavan je i bez ikakvih komplikacija.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nakon ispunjavanja potrebnih uvjeta i pripreme sve papirologije, mo\u017eete lako podnijeti zahtjev za Bafog kredit slijede\u0107i sljede\u0107e korake:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ispunite obrazac za prijavu za kredit.<\/li>\n\n\n\n<li>Potrebni obrazac i dokumentacija bit \u0107e predati odjelu odgovornom za obrazovnu podr\u0161ku u gradu u kojem \u0107ete studirati.<\/li>\n\n\n\n<li>Mo\u017eete koristiti internet za prijavu na stranici Saveznih dr\u017eavnih uprava Njema\u010dke.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Najbolji na\u010dini za dobivanje vize <a href=\"https:\/\/europedia24.com\/%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d9%87%d9%88%d9%84%d9%86%d8%af%d8%a7\/\">Studij u Nizozemskoj<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">Rok trajanja studentskih zajmova u Njema\u010dkoj<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tako\u0111er smo objasnili da Njema\u010dka odre\u0111uje vremenski rok za dobivanje studentskog kredita u Njema\u010dkoj tijekom procesa prijave, ovisno o trajanju i prirodi studija.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Postoje neki iznimni slu\u010dajevi u kojima je dopu\u0161teno produ\u017eenje financiranja i op\u0107i rok trajanja zajma, kao \u0161to su sljede\u0107i slu\u010dajevi:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>U slu\u010daju da student \u017eeli zavr\u0161iti studij kako bi stekao magisterij ili doktorat.<\/li>\n\n\n\n<li>Mijenjam bubrege iz uvjerljivih razloga.<\/li>\n\n\n\n<li>Briga o djeci ili otkrivanje trudno\u0107e.<\/li>\n\n\n\n<li>Zavr\u0161etak studije bio je odgo\u0111en zbog va\u017enih osobnih razloga.<\/li>\n\n\n\n<li>U slu\u010daju da ne polo\u017eite zavr\u0161ni ispit ni jednom.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Koji su uvjeti i prednosti <a href=\"https:\/\/europedia24.com\/%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d8%a7%d9%84%d8%ad%d9%82%d9%88%d9%82-%d9%81%d9%8a-%d8%a8%d9%84%d8%ac%d9%8a%d9%83%d8%a7\/\">Studirajte pravo u Belgiji<\/a>?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">Metode otplate studentskih kredita u Njema\u010dkoj<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Studentski krediti u Njema\u010dkoj otpla\u0107uju se u prakti\u010dnim mjese\u010dnim ratama, u skladu s prihodima studenta, kako bi se prevladali visoki tro\u0161kovi \u017eivota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Treba napomenuti da se Bafog sastoji od dva dijela, pri \u010demu je prvi dio predstavljen u polovici iznosa kao potpora njema\u010dke vlade i ne vra\u0107a se.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drugi dio se ispla\u0107uje nakon razdoblja do 5 godina, a ponekad i do 10 godina, s mjese\u010dnom ratom od oko 130 eura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ako student mo\u017ee platiti dug u jednom iznosu bez rata, ovdje mo\u017ee dobiti popust do oko 10%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Mjese\u010dna naknada Bafog studentskog kredita<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-1024x576.webp\" alt=\"Prednosti dobivanja studentskog kredita u Njema\u010dkoj\" class=\"wp-image-6739\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2024\/04\/\u0645\u0645\u064a\u0632\u0627\u062a-\u0627\u0644\u062d\u0635\u0648\u0644-\u0639\u0644\u0649-\u0627\u0644\u0642\u0631\u0636-\u0627\u0644\u0637\u0644\u0627\u0628\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0627\u0644\u0628\u0627\u0641\u0648\u063a.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Njema\u010dka vlada odlu\u010dila je pove\u0107ati mjese\u010dnu naknadu za studente, koja \u0107e dosegnuti 452 eura mjese\u010dno, uz naknadu za smje\u0161taj za studente koji ne \u017eive s obiteljima za 11%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prema tome, financijska potpora iznosi 934 \u20ac, \u0161to je pove\u0107anje do 8%, uz dodatak za grijanje od 230 \u20ac, koji se dobiva samo jednom.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Tako\u0111er pro\u010ditajte &#8211; Znate koliko dugo <a href=\"https:\/\/europedia24.com\/%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d8%a7%d9%84%d9%87%d9%86%d8%af%d8%b3%d8%a9-%d9%81%d9%8a-%d9%81%d8%b1%d9%86%d8%b3%d8%a7\/\">Studij in\u017eenjerstva u Francuskoj<\/a> I najpoznatija specijalizirana sveu\u010dili\u0161ta<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0720e3\" class=\"has-inline-color\">\u010cesto postavljana pitanja o studentskim kreditima u Njema\u010dkoj<\/mark><\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1712316207970\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">\u0160to je student paugh u Njema\u010dkoj?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Student Bafog u Njema\u010dkoj je studentski zajam koji dr\u017eava odobrava studentima koji si ne mogu priu\u0161titi studij i \u017eivot unutar zemlje.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1712316219350\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Kako se odre\u0111uje iznos studentskog kredita u Njema\u010dkoj?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Studentski krediti u Njema\u010dkoj razlikuju se od osobe do osobe, ovisno o prirodi osobe, visini tro\u0161kova i prihoda, kao i o prirodi i mjestu studija.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<!-- europedia-eeat-intent-v1 -->\n<section class=\"europedia-eeat-intent\" data-eeat-section=\"germany\" data-eeat-intent=\"study\">\n<h2>Kratki odgovor prema istra\u017eiva\u010dkoj namjeri<\/h2>\n<p>Studentski kredit u Njema\u010dkoj jedna je od najva\u017enijih pomo\u0107i koju dr\u017eava pru\u017ea studentima kako bi se prevladali visoki tro\u0161kovi \u017eivota u zemlji, bilo da su to tro\u0161kovi stanovanja ili svakodnevnog \u017eivota. Ukratko: po\u010dnite s uvjetima za upis, jezikom i financiranjem, zatim provjerite detalje sveu\u010dili\u0161ta ili programa prije nego \u0161to organizirate putovanje ili platite bilo kakve naknade.<\/p>\n\n<h2>Tko ima koristi od ovog vodi\u010da?<\/h2>\n<p>Ovaj sadr\u017eaj namijenjen je arapskim studentima i onima koji planiraju studirati ili se \u0161kolovati u Njema\u010dkoj. Stoga su dodane kontrolne to\u010dke koje vam poma\u017eu da informacije pretvorite u prakti\u010dnu odluku, a pritom smanjujete rizik oslanjanja na op\u0107e ili zastarjele informacije.<\/p>\n\n<h2>Prije nego \u0161to se oslonite na informacije<\/h2>\n<ul>\n<li>Usporedite uvjete za upis u eseju sa sveu\u010dili\u0161nom stranicom ili DAAD-om, jer se zahtjevi razlikuju ovisno o programu i saveznoj dr\u017eavi.<\/li><li>Pogledajte stvarne tro\u0161kove: semestralne naknade, zdravstveno osiguranje, smje\u0161taj i izra\u010dun dokaza o financiranju, ako je primjenjivo.<\/li><li>Dr\u017eite datume prijave i potrebne dokumente na jednom popisu kako ne biste propustili va\u017ean termin.<\/li>\n<\/ul>\n\n<h2>Slu\u017ebeni izvori i pouzdane reference<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.daad.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">DAAD<\/a><\/li><li><a href=\"https:\/\/www.study-in-germany.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">Studij u Njema\u010dkoj<\/a><\/li><li><a href=\"https:\/\/www.make-it-in-germany.com\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">Napravi to u Njema\u010dkoj<\/a><\/li>\n<\/ul>\n\n<h2>\u010cesto postavljana pitanja<\/h2>\n<h3>Razlikuju li se detalji od njema\u010dke do savezne dr\u017eave?<\/h3>\n<p>Da, u predmetima poput studija, rada, stanovanja i lokalnih usluga, detalji se mogu razlikovati ovisno o dr\u017eavi ili gradu, stoga biste trebali konzultirati odgovornu osobu na ciljanoj lokaciji.<\/p>\n<h3>Zamjenjuje li ovaj \u010dlanak slu\u017ebeni izvor?<\/h3>\n<p>Ne. \u010clanak obja\u0161njava sliku i prikuplja va\u017ene kontrolne to\u010dke, ali ne zamjenjuje slu\u017ebene web stranice ili stru\u010dne savjete kada postoji izravan pravni ili financijski utjecaj.<\/p>\n<p><strong>Uredni\u010dka napomena:<\/strong> Ovaj je sadr\u017eaj ure\u0111ivan 11. srpnja 2026. kako bi se dodao jasniji odgovor na namjeru istra\u017eiva\u010da, slu\u017ebene izvore i prakti\u010dne kontrolne to\u010dke koje pove\u0107avaju povjerenje i stru\u010dnost.<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Razmatrano Studentski kredit u Njema\u010dkoj Jedna od najva\u017enijih pomo\u0107i koju dr\u017eava pru\u017ea studentima jest prevladavanje visokih \u017eivotnih tro\u0161kova u zemlji, bilo da se radi o stambenim ili svakodnevnim tro\u0161kovima. Uloga studentskog kredita nije samo pokriti tro\u0161kove \u017eivota, ve\u0107 i financirati studije i ste\u0107i dobru razinu obrazovanja, iako je obrazovanje u Njema\u010dkoj karakteristi\u010dno po niskoj cijeni, &hellip;<\/p>\n","protected":false},"author":1,"featured_media":6737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[517],"tags":[],"class_list":["post-25145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-njemacka"],"_links":{"self":[{"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/posts\/25145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/comments?post=25145"}],"version-history":[{"count":1,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/posts\/25145\/revisions"}],"predecessor-version":[{"id":26433,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/posts\/25145\/revisions\/26433"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/media\/6737"}],"wp:attachment":[{"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/media?parent=25145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/categories?post=25145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europedia24.com\/hr\/wp-json\/wp\/v2\/tags?post=25145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}