Yes, It's true. I am from India pursuing my master's abroad. It's quite easy to get an education loan in India. I am from a very middle-class family in India. Got my education loan from Indian Bank without collateral. Almost ~99% of Indian students got education loans.
@@kshitijsable6789 your marks matter if you have a good academic record any bank will fund your studies but you have to submit admission letter from that institute.
@@unapologetic5150 no nationalized bank in India gives out more than 7.5 lacs loan without collateral. If there is any exception I'd be happy to know. And yes I have both excellent marks, work experience , profile along with admission letter from one of the premier European university
@@kshitijsable6789 bro I can't say about others but for it's and iims and other good colleges you need to just submit your call letter , in my friends case who got into iims this year got calls from 5 banks offering him loan without any collateral even sbi offered him loan upto 45 Lakhs , so in his case banks contacted him amd offered him their plans for loan and payment back option was till 15 years .
My son is in Grade 10 in India. On foundation day of State Bank of India, two bank employees had conducted a session with Grade 10 students and assured students that they can approach the bank for easy student loans for higher education in India or out of India ...just the mark sheet has to be impressive.
Education loan in India. Upto 4 Lakh INR no guarantor, just give the fee structure, Admision confirmation etc. 4 > upto 8 Lakh you'll need someone who has good CIBIL score, he/she can be the student guarantor. If in case the student fails to pay the loan. Above 8 lakh you'll need to have some colletral. And the bank also adds an insurance on the loan. Student or the parents have three options. 1) start paying the emi with on going studies. 2) only pay the interest till the education is on going and once he/she has a job the loan EMI can start. 3) they can also opt for an option where the interest is added back to the principal and when he/she finishes and starts earning. They can start paying. From that time. Also the total loan amount isn't paid straight to the students bank account. Student has to request to disburse the semester fees and then bank staight away pays the tuition fees to the University.
Dear Cosmic Dream guy! I really appreciate your passion. Now without money you can have two options 1) Instead of Germany, you can try other european countries such as Italy, Spain, Estonia, Denmark, Sweden etc. 2) Do your masters locally, then go for PhD on scholarship. In this way, you will also be able send some money back home. Regards
@@nabeelkHey Nabeel! What about someone from Germany send a sponsor letter to embassy? I've heard that it is possible for a German resident to tell the government that they are sponsoring the incoming student. So is it really a thing? Looking forward to your response!
The blocked amount is actually an account in a German bank. It is called blocked because your amount remains there and can not be used altogether. It is a requirement for the visa as a guarantee of meeting the expenses while being in Germany. Also, you get some amount unblocked every month that you can use for your expenses. It has nothing to do with coming back to your country.
About blockaccount in germany. Its an account that student opens in Germany, with around 11000 euros locked. Its a 1 year expense of living in Germany. The money is released per month around 916 euros per month, such that at 12th month the whole ammount is unlocked. This was done to insure that the first year expense is covered.
I am from India, did my masters in the US. There was an international loan company named Prodigy finance, they were pretty flexible with loan terms (This was 6 years back, not sure what's the case now) if the university was well recognized and featured in QS rankings. I know a couple of friends who availed loans through prodigy, their interest rates were also comparatively low
I took a loan of 4 lacs INR 10 years ago for my engineering degree. The central govt runs a scheme where education loans upto a certain amount are provided interest-free. Technically, the banks charge a low rate of interest, and the govt in due course of time reimburses the interest amount in my loan account. I had paid a total of ~5.5 lakhs in installments in the course of 7 years, and the govt disbursed around ~1.2 lakhs to my loan account over time.
Well if you talk about in india, SBI (govt bank with net assets of $ 650 billion) gives out loans up to 30,000 USD without any collateral and with low interest rates (I guess less than 7%). Large private banks like ICICI and HDFC do give out loans easily but with a bit high interest rate. SBI is the best
Ma'am Sabina Khatri, founder of Kiran Foundation, can be a great guest for your show. That woman is powerful yet humble and empathetic and can unpack Pakistan's abusive parenting and schooling issues on a different plane.
I lived in Europe for four years and worked as VP finance for a very reputable multinational corporation. Despite my higher payscale, life was still hard and I was living hand to mouth. After returning to Pakistan, I began freelancing. Currently, I earn 5000 USD per month working only two hours a day. It is possible to live a better life here if you are smart and can learn quickly. As a result, I am now opening an office in Poland ( Business Visa ) and will work from there. Keep dreaming big, Bhaiyo, and never lose hope
Yaar🥺❤️..Junaid Bhai I'm so impressed by your personality and your idealogy. Dunia me to apko eska ajar mily ga hi lekn akhirat me bhi Allah Pak apko kamiyabi den gy. I really wish that I could help that guy who wants to go abroad. But one day insha'Allah I'll definitely help people with their education.
yes junaid you are right in india its very common in india to take student loan.Our banks have modernise in last few decades and competing world class internation banks. You can take student loan easily through online process sitting in ur house easily everything is digital now noone visits bank in india after UPI and digital revolution in india
Getting education loan is not that difficult in India. The loan cannot be misused as the bank is directly paying it to the university/ college. The loan mainly covers tuition fee and hostel, rest of the fund has to generated by the student. In my knowledge, in Delhi, govt of Delhi stands as a guarantor for the educational loan, rest of India it is either the parents or the students. Loan eligibility and loan % depends on number of factors such as the course taken, ranking of the university etc.
There is rule in India by RBI which state that a bank is bound to give loan of atleast ~15-18 % of their total loan to important sectors like education, agriculture, msme jo India ko grow mein help karta hai. Verna penalty hai
That's right, banks give study loans in lieu of some collateral worth the same amount of loan or more. Collateral is usually house/ land/ fixed deposits.. Though the interest rates are a little less for students
For the second question: we’re hosting an online mental health session. And at the end, people aspiring to be therapists would listen to people’s stories. Its not much but it’s completely free if you’d like to join!
Absolutely what you said about how when we get to know about bad intentions.. it becomes traumatic. I feel for this girl, why do parents have children & don't take care of them😢
junaib bhai i am a 22 year old guy i really admire your work your passion and love to youth i fel like you are my big brother cuz idont have i am the oldest sibling in my home sooo it is very nostalgic that i feel about you
No, this is not why you create a blocked account. It's basically 1 year of living expenses that you need to show the govt. Students are allowed 20 hours of work on student visa so many people do work for ubereats etc and make sufficient living. This way they can use the saved up living expenses to renew their visa again after.a year. This is so that you can live with basic human rights and are not starving once you are here. If you are not capable of taking care of yourself, of course the govt will jump in and save you with whatever they can do (medical intervention, food, shelter etc) but that is an added burden on the German govt and they need to be sure (with this blocked account) that you can carry your weight before you enter their country. The tuition fee of universities is 0, blocked account is only for your living expenses (rent, utility and food etc). And again your are wrong about not being able to use the money. It is blocked so that you get a monthly budget out. Example, currently you need at least 934 euros every month to survive here. That makes a total of 11208 euros in a year. So you will block 11,208 euros in your own german bank account as a blocked amount and every month you will get 934 euros in your current account which you are free to use. The reason on this blocked account is that people will borrow 11k euros to show the embassy and then as soon as they get the visa, they will cash out all the money and return it to whoever they borrowed this from. Once they get to Germany, then their main focus will be on the part time jobs, rather than studying (which the govt is already spending a lot of money on to give everyone free education).
Detail of Indian Bank finance for studies "Private banks can offer up to 1 Cr of education loans for abroad studies without collateral. As mentioned above, these banks have a list of some top universities with them only for which they approve an unsecured loan. Private banks can fund both PG program and a UG program with a rate of interest of 10.5% and above."
Pak mein no one opens your bank account let alone give you loans for business/education. Bus shaadi kay liye sare paise mil jatey shaadi shaadi and more shaadi is the solution to Pak problems. Number 1
@@BABATUNDE-h7d he's just sarcastically saying that people in Pakistan are obsessed with weddings. That's all they think about. Btw are you a fan of the originals by any chance?
So true , working as a freelance film maker since 2016 and its 2023 & as u said alto/swift leyna b dream hogya hai even after i am earning for past 6-7 years , this system is just designed to make pakistani people work & MAALIK people to just sit and tax us & live with world elites
Junaid bhai. Your work is so inspired that really motivates me alot. I am accountant by professional and completed my Master's in one of the top nosh university in Australia, back in 2017. I came back in 2021 with hope that that I will set well but I suffered a lot and exploit too much by employer here. But thanks GOD, three days back I got Australian pr and going back where I feel I should belong and value myself. Thankyou for you motivation and may ALLAH blessed you.❤🎉
I did my undergrad from BITS Pilani, one of India’s top premier institute. Most of my colleagues went to study abroad on bank loans. More than 90% of them did not have the funds to finance their education. Many of them settled abroad, some returned to India. The most important factor in all of this was the alumni network. Funds are important, what is more important is alumni network. I remember how my seniors and batchmates played a crucial role as mentors for fellow students.Apart from guiding them about universities, courses, expenses, culture, city life etc, they also played a huge role in providing them employment. As a result BITSAA chapter has grown worldwide and we host meet-ups frequently around the globe. Google Bitsians day. Nowadays, a lot of students in India are opting for job first followed by an MS. As a job allows a student to build good amount of funds and not rely on his/ her parents. Add to this that many of the students are opting for higher education within India. As of date, there are 23 IITs, IISc, 3 BITS campuses, IIST, 7 IISER, 25 IIITs, 3 ISI campuses and ~31 NITs. So India has around 100 high quality science and tech institutes, which are at par (if not better) than their global counterparts. Add to this the high quality pvt universities and central and state universities. So many Indians are absorbed in these homegrown institutions.
Like I remember one Senior tried to Do "londa bazi" I straight started attacking him the same way he did to me So he became so afraid of me he would just Run away if he sees me
Pakistan Government and Statebank should start student loans like in America. They are exploitative as hell, but there is no alternative. Something is better than nothing
There are plenty of options in Europe for masters. There are thousands of fully funded scholarships. You only need ielts, and in some cases, not even that! Try your chance with erasmus mundus, eiffel scholarships etc. Ask alumni’s to review your documents. Its competitive but not impossible.
I took an education loan of Rs 7,40,000 to finance my M.B.A. I got placed as a consultant in an MNC. Got moratorium of 1 year. I pay EMI's. In 2 years I will end my outstanding amount. You are asked to give duration of moratorium , it could be either 6 months or 12 months. After duration period is over you can save money for 1 year and give ur emi's easily. Upto Rs 7,50,000 you don't have to give any collateral.(S.B.I). Your monthly emi depends upon the duration fixed by you during sanction of loan. For e.g if you mentioned 60 months for return of your amount and total amount is X Rs Then per month emi is X/60 Rs.
Yes, I’ve had loan from HDFC bank 7 years ago! Without any guaranty because my father was government employee! Now he is retired! Interest rates were high but they approved loan within 2days and the funny part was they did home service! That means a guy came from bank to my house to do paperwork! Than my father told me, did you see the power of government job!
Being someone who is currently going through the same process as the cosmic dreams guy, I have a lot of information on the issue and a handful of work arounds to the blocked account issue or any financial issue for that matter. I can relate to the frustration as well and would be glad to speak to anyone who needs some guidance. Unfortunately, financial assistance isn’t something I can provide at the moment but hopefully in the future InShaAllah. Kindly reply to this comment with your email so that we can discuss further.
Junaid bhai, I would like to recommend application Live 360 which can actually notify your family circle that when you about to reach Home, Work, School. My father/ mother / wife open the gate for me when i entered in my society.
Recommendation for question#1 . You can apply for MS degree in Finland . It will require 8 lacs to show in a account . It's a fully funded scholarship.
@cosmic dream guy! Apply for fully funded programs in other European countries or Australia, Newzeland for fully funded scholarship. Also, you may do masters from Pakistan NED/NUST and then apply for Ph.D abroad and apply for fully funded scholarship which not cover fee but also provide stipend to meet expenses. Wish you all the best in life!
Yes, I agree. I am from India, couple of my friends were from weak economic backgrounds but they applied for a PhD and were assured of funding. It's a tough path for 5-7 years but probably life changing for this guy.
Inflation UK mein bhi taizi se barh rahi. Yahan roz rate barh jatey sab grocery lene jao rents to itne ziada, salaries low, non existent jobs and lay offs. So even developed country is struggling which is a financial powerhouse
33:00 UK mein bhi aisei hi hota. Same culture hai no difference. Its extremely offensive to report abuse in UK. In fact you get bullied more, speaking from personal experience studying in university here
Blocked account doesn't mean that you can not touch. You can withdraw a certain amount from it Around 900 euros a month, Its a Guarantee that a student can finance him or herself during their studies..
Dear try Sweden scholarship program which give you even tickets and monthly expenses as well. One my friend got his scholarship at the age of 40 which is very rare but he tried and got it fortunately. So try Sweden and I wish all the best.
UK muqeem Pakistani Jo struggle Kar ke apne visa theek kartey hain (excluding those who chose Marriage as a ladder to settlement) UN logon ke barely main video banaye. Takey upcoming Pakistanis Jo yahan ana chahein UN ko in depth clarification hojae to chose the best option and platform. Which would be better than gamble your time and age.
Students need to open a blocked account and deposit 11200 euros for applying for student visa. Once you are here you get a portion i.e. around 900 euros every month from that amount to cover your living expenses. This way the German Govt. wants you to focus on your studies rather than making money on odd jobs for the first year of your study.
A Block account means you blocked 11000 Euro in Germany, but you can't withdraw your whole amount in a single payout in a year. But they will pay you on a monthly basis after deducting a small amount of fee. The money all belongs to you. After one year your money will be in your bank.
I think with saylani you can start a consortium for education. They have massive data bank and as well as secruitny system related to amount. Its also a trust worthy organisation.
The issue I find is the safed posh clan. Mangnay walay har class main hain, lower to financial elites - Muftay bol lein, ayaar bol lein, jhoota bol lein. Safed posh ko yaa uska Rabb janta hay, ya woh khud.
Junaid bhai, south Asia as a whole is on the brink of revolution as even the basic food has moved away from the reach of poor. While India is sustaining it with free food (kab tak), many others like Pakistan, Bangladesh and Sri Lanka cant afford it.
Don't include India here. In India staple food prices of non-branded atta, rice, lentils has remained same around rs 35, rs65, rs 120 respectively since last 10 years whereas price of atta in pakistan was pkr 36 in 2018, pkr 80 in 2020 and has reached pkr 160 in 2023. This is runaway hyper inflation. No other country in south asia has this problem
India me be bohot mobile snatching hoti hai...maximum people comes in such profession is same peaceful people.,mera kudka hua arre Bhai chalte bike se pocket se uta liye...
As someone living in Germany, To the Cosmic Dreams guy I want to tell you that the 11,000 euros that you will submit is basically your monthly expenses for 1 YEAR, but by then students find odd jobs and than they can live off of that (FYI: As a student you cannot get a work permit before at least 6 months on a student visa). Either way you won't be getting those money back in a way that you can just pass it along to cover your loans. That being said I am working full time in Germany for the past 1 year and its not easy at all living with 11,000 euros per year even in very cheap cities and God help you if you go to a city like Hamburg, Frankfurt or Munich etc.
Hi 👋 I am a 1st year student in Fsc. Could you please give me some tips for applying for a ln undergrad course in Germany and the pros and cons of studying in Germany. I'll be waiting for the reply thanks!
In Europe the labourers, who get high income, work like freelancers. Usually they get minimum wages. BUT the social system helps them financially, govt return their taxes... Those people even cheat govt and don't show their income fully in order to get the social money... That's why they have good cars...
First junaid bhai, you don't need our help. You need assistance. As I was watching your ask ganjiswag with your better half. After that I would this young this and productive man to apply for Italy and other European countries. Particularly Italy cuz it offers fully funded scholarships with a bonus stipend of 5000Euros per year in various programs. Best of luck.❤ A fan from Multan.
You should make video for i Kids to encourage joining marshal arts... Even adults if they miss out they can learn Ikido form of Marshal arts or any form of excersice
Q1, stop pursuing for masters degree from abroad if you don't have money. A degree from NED with work experience more than enough. Migrate to Australia. I've seen so many NED graduates with first salary at least $75k annual in Melbourne, Sydney and Perth. Please Please my fellow Pakistanis, Migrate to Australia.
We definitely have a bad time from very long time but solution is not in fleeing away, a man stands and fights all the way to success for his home. Do you think leaving the country is a good decision. *Gangi paah* criticism is easy than to speak for the solution.🇵🇰🇵🇰
Junaid bhai ek or problem hai Wo ye k Srf Germany nhn hai option main . Bohot si Univeristies diff part of world specially Europe . Where you can get scholarship with so ease . He can also go for that . And when he feels that he got that much backup then he can go for options in Germany .
Sir @AskGanjiswag Pakistani currency ko tou pack karwao. Chinese k sath he karwa lo. devalue to nahi ho ge. Pakistani currency losing its value... پاکستانی کرنسی اپنی قدر کھو رہی ہے... 2015 1 Yuan to PKR = 15 2023 1 Yuan to PKR = 41 #PKR #Pakistanicurrency #PKR #yuan #Chineseyuan
Forgive my utter ignorance but can someone please explain, if the inflation is so high to point wherein 3 plate tikka paratha costs 1700 rupees. How are regular people surviving? Since salaries will not increase during this period.
They aren't. We always hear people crying about their heartbreaks but what we never hear are, The heartbreaks of a balloon seller (not a beggar) who couldn't make enough for the day to get 2 meals for his family, The heartbreak of a child/women getting harrased or possibly r*ped but they can't tell anyone about it, The heartbreak of those students who studies whole year but still gets overlooked by those who bribes to get better grades, The heartbreak of a father/mother when their child(s) complains about their lifestyle when in reality those father/mother are doing everything to give them a better future and believe me this list keeps going. Pakistan has not only become financially unstable but people living inside it are mentally/physically broken as well. And then everyday some disgusting events keep taking place, Someone's calling themselves a nabi and some people are promoting homosexuality, Allah ka azaab nhi samjhe to kiya samjhe isko? Allah naa karey but hum logo k saath wohi hoga jo Qoum-e-loot k saath hua tha,
I am doing MSc from KCL, wahan graduate program ho ya masters sare middle class Indians he perh rahe hain. 3 years graduate cost over 35k gbp and 2 years Master cost over 25k gbp.
For the blocked account guy. It is very difficult to arrange that amount of money considering the situation of inflation and currency devaluation in Pakistan. I, as well, have made up my mind to pursue masters in Germany. At that time the amount was only 1.8mil PKR but now the same amount is 3.6mil PKR and God knows what the situation would be after 2 or more years. I earn a good salary now, but it is gonna take me at least 2.5 years to gather this amount. Anyhow, if you have good grades and a good profile, you may try Finland, Italy, Norway, Latvia, Sweden or Latvia. They don't require a blocked amount and the fee is affordable as well. Also try to get Erasmus scholarship or other scholarships if you have good CGPA and work experience. May Allah bless us all!
@6:55 For People who are interested to know about the German Blocked Account 1. What it a Blocked Account? Foreign students who are not from an EU country must prove that they can pay for their studies and living expenses themselves. This blocked account is opened with a bank and the amount is blocked for a set amount of time (usually 12 months). The blocked amount is unlocked(released) on a monthly basis to be used by the student. 2. How much is Amount is Required to be blocked each year? This amount is based on the "Grundfreibetrag" or the "Basic Living Allowance". The German state assumes that a single person will need an amount of €10,908 per year in 2023 (2022: €10,347) to live on. This amount is used to buy all necessities such as food, clothing, rent, etc. Hence the blocked amount for each year corresponds to this Grundfreibetrag 3. How to circumvent this requirement? Students can get an exemption from this Blocked account if a. They get a sponsorship letter from someone in Germany (usually a family member) that they will support the student. b. Find a Scholarship (best resource for that is www.daad.de) viel Glück und Bleib Gesund!
Junaid bhai I like your suggestion to people of your country to get educated and help others. But I think some need to come back to make reforms in Pak as well. Brain drain will just keep worsening the situation in Pak. Harry Truman helped set up the best universities in America, in order to make their country better instead of depending on others in the long run. I understand Pak is lacking a visionary leader. But Brain drain will never let Pakistan bounce back ever. Once the person moves out, they wont gonna come back given the situation of Pak anyway. I am damn sure, if at all this kind of situation happened in India. Indians will put their money, blood and sweat to get the country back on its toes. But I dont see the same feeling in Pakistani kaum. Just my thoughts.😕😕
![Coheed and Cambria - Searching for Tomorrow [Official Video]](http://i.ytimg.com/vi/hDsYGLbmadg/mqdefault.jpg)
Yes, It's true. I am from India pursuing my master's abroad. It's quite easy to get an education loan in India. I am from a very middle-class family in India. Got my education loan from Indian Bank without collateral. Almost ~99% of Indian students got education loans.
Which bank? Do let me know, I am planning for masters abroad but not coming across any such bank
@@kshitijsable6789education loan upto INR 7 lakhs is collateral free. You can visit branches of any nationalised bank in your area.
@@kshitijsable6789 your marks matter if you have a good academic record any bank will fund your studies but you have to submit admission letter from that institute.
@@unapologetic5150 no nationalized bank in India gives out more than 7.5 lacs loan without collateral. If there is any exception I'd be happy to know. And yes I have both excellent marks, work experience , profile along with admission letter from one of the premier European university
@@kshitijsable6789 bro I can't say about others but for it's and iims and other good colleges you need to just submit your call letter , in my friends case who got into iims this year got calls from 5 banks offering him loan without any collateral even sbi offered him loan upto 45 Lakhs , so in his case banks contacted him amd offered him their plans for loan and payment back option was till 15 years .
My son is in Grade 10 in India. On foundation day of State Bank of India, two bank employees had conducted a session with Grade 10 students and assured students that they can approach the bank for easy student loans for higher education in India or out of India ...just the mark sheet has to be impressive.
… literally India initiated 16-32 program for class 9-12th 😩 which already an evolutionary step close to US educational system of Highschool
Education loan in India.
Upto 4 Lakh INR no guarantor, just give the fee structure, Admision confirmation etc.
4 > upto 8 Lakh you'll need someone who has good CIBIL score, he/she can be the student guarantor. If in case the student fails to pay the loan.
Above 8 lakh you'll need to have some colletral.
And the bank also adds an insurance on the loan.
Student or the parents have three options.
1) start paying the emi with on going studies.
2) only pay the interest till the education is on going and once he/she has a job the loan EMI can start.
3) they can also opt for an option where the interest is added back to the principal and when he/she finishes and starts earning. They can start paying. From that time.
Also the total loan amount isn't paid straight to the students bank account.
Student has to request to disburse the semester fees and then bank staight away pays the tuition fees to the University.
Dear Cosmic Dream guy!
I really appreciate your passion. Now without money you can have two options
1) Instead of Germany, you can try other european countries such as Italy, Spain, Estonia, Denmark, Sweden etc.
2) Do your masters locally, then go for PhD on scholarship. In this way, you will also be able send some money back home.
Regards
Same here. Have you ever applied for the scholarship ???
@@fatimashahidhussain3932 yes multiple times !
@@nabeelkHey Nabeel! What about someone from Germany send a sponsor letter to embassy? I've heard that it is possible for a German resident to tell the government that they are sponsoring the incoming student. So is it really a thing? Looking forward to your response!
The blocked amount is actually an account in a German bank. It is called blocked because your amount remains there and can not be used altogether. It is a requirement for the visa as a guarantee of meeting the expenses while being in Germany. Also, you get some amount unblocked every month that you can use for your expenses. It has nothing to do with coming back to your country.
Yeah exactly i am getting 934€ each month i blocked 11380€
About blockaccount in germany.
Its an account that student opens in Germany, with around 11000 euros locked. Its a 1 year expense of living in Germany. The money is released per month around 916 euros per month, such that at 12th month the whole ammount is unlocked. This was done to insure that the first year expense is covered.
I am from India, did my masters in the US. There was an international loan company named Prodigy finance, they were pretty flexible with loan terms (This was 6 years back, not sure what's the case now) if the university was well recognized and featured in QS rankings. I know a couple of friends who availed loans through prodigy, their interest rates were also comparatively low
I took a loan of 4 lacs INR 10 years ago for my engineering degree. The central govt runs a scheme where education loans upto a certain amount are provided interest-free.
Technically, the banks charge a low rate of interest, and the govt in due course of time reimburses the interest amount in my loan account.
I had paid a total of ~5.5 lakhs in installments in the course of 7 years, and the govt disbursed around ~1.2 lakhs to my loan account over time.
Well if you talk about in india, SBI (govt bank with net assets of $ 650 billion) gives out loans up to 30,000 USD without any collateral and with low interest rates (I guess less than 7%). Large private banks like ICICI and HDFC do give out loans easily but with a bit high interest rate. SBI is the best
Ma'am Sabina Khatri, founder of Kiran Foundation, can be a great guest for your show. That woman is powerful yet humble and empathetic and can unpack Pakistan's abusive parenting and schooling issues on a different plane.
@askganjiswag
I lived in Europe for four years and worked as VP finance for a very reputable multinational corporation. Despite my higher payscale, life was still hard and I was living hand to mouth. After returning to Pakistan, I began freelancing. Currently, I earn 5000 USD per month working only two hours a day. It is possible to live a better life here if you are smart and can learn quickly. As a result, I am now opening an office in Poland ( Business Visa ) and will work from there. Keep dreaming big, Bhaiyo, and never lose hope
That is a jack that everyone tries to get. All the best
Yaar🥺❤️..Junaid Bhai I'm so impressed by your personality and your idealogy. Dunia me to apko eska ajar mily ga hi lekn akhirat me bhi Allah Pak apko kamiyabi den gy. I really wish that I could help that guy who wants to go abroad. But one day insha'Allah I'll definitely help people with their education.
Allah nhi aega khud ka jugaad karlo bhai
@@mayankumar1312 kisike shubhkamnayon pe ese respond nahi karte. Koi tumhe shubhkamnaye deta hai tab bhi tum uspe ese hi trigger hote ho?
yes junaid you are right in india its very common in india to take student loan.Our banks have modernise in last few decades and competing world class internation banks. You can take student loan easily through online process sitting in ur house easily everything is digital now noone visits bank in india after UPI and digital revolution in india
Getting education loan is not that difficult in India. The loan cannot be misused as the bank is directly paying it to the university/ college. The loan mainly covers tuition fee and hostel, rest of the fund has to generated by the student. In my knowledge, in Delhi, govt of Delhi stands as a guarantor for the educational loan, rest of India it is either the parents or the students. Loan eligibility and loan % depends on number of factors such as the course taken, ranking of the university etc.
There is rule in India by RBI which state that a bank is bound to give loan of atleast ~15-18 % of their total loan to important sectors like education, agriculture, msme jo India ko grow mein help karta hai. Verna penalty hai
That's right, banks give study loans in lieu of some collateral worth the same amount of loan or more. Collateral is usually house/ land/ fixed deposits..
Though the interest rates are a little less for students
For the second question: we’re hosting an online mental health session. And at the end, people aspiring to be therapists would listen to people’s stories. Its not much but it’s completely free if you’d like to join!
Can I get more detailes about that? Or where it’s happening?
@@zoyasaad0 yess I'm in
@@dawoodimamk whoever is interested please leave your emails
@@HabibKhan-ch2ip please leave your emails
@@zoyasaad0 hey, idk why, my Email is not appearing here.
Absolutely what you said about how when we get to know about bad intentions.. it becomes traumatic. I feel for this girl, why do parents have children & don't take care of them😢
I just bought my dream car made in india tata nexon by 9.7 lakhs inr woh bhi jaan pe aayi thi… pakistan me civic 33 lakhs me milti hai omg
yes they do i am a student currently studying in Singapore from India
junaib bhai i am a 22 year old guy
i really admire your work your passion and love to youth
i fel like you are my big brother cuz idont have i am the oldest sibling in my home sooo
it is very nostalgic that i feel about you
Block account is made in Germany...where we have to send and save almost 11000 Euros..we get back in small chunk monthly after reaching Germany.
I think there should be a collaboration of rich people with the banks to help the needy people.
No, this is not why you create a blocked account. It's basically 1 year of living expenses that you need to show the govt. Students are allowed 20 hours of work on student visa so many people do work for ubereats etc and make sufficient living. This way they can use the saved up living expenses to renew their visa again after.a year. This is so that you can live with basic human rights and are not starving once you are here. If you are not capable of taking care of yourself, of course the govt will jump in and save you with whatever they can do (medical intervention, food, shelter etc) but that is an added burden on the German govt and they need to be sure (with this blocked account) that you can carry your weight before you enter their country. The tuition fee of universities is 0, blocked account is only for your living expenses (rent, utility and food etc).
And again your are wrong about not being able to use the money. It is blocked so that you get a monthly budget out. Example, currently you need at least 934 euros every month to survive here. That makes a total of 11208 euros in a year. So you will block 11,208 euros in your own german bank account as a blocked amount and every month you will get 934 euros in your current account which you are free to use. The reason on this blocked account is that people will borrow 11k euros to show the embassy and then as soon as they get the visa, they will cash out all the money and return it to whoever they borrowed this from. Once they get to Germany, then their main focus will be on the part time jobs, rather than studying (which the govt is already spending a lot of money on to give everyone free education).
Detail of Indian Bank finance for studies "Private banks can offer up to 1 Cr of education loans for abroad studies without collateral. As mentioned above, these banks have a list of some top universities with them only for which they approve an unsecured loan. Private banks can fund both PG program and a UG program with a rate of interest of 10.5% and above."
Pak mein no one opens your bank account let alone give you loans for business/education. Bus shaadi kay liye sare paise mil jatey shaadi shaadi and more shaadi is the solution to Pak problems. Number 1
how can shaadi be the solution to any country's problems?
@@BABATUNDE-h7d he's just sarcastically saying that people in Pakistan are obsessed with weddings. That's all they think about.
Btw are you a fan of the originals by any chance?
Osama bhai Eid Mubarak 🌙
So true , working as a freelance film maker since 2016 and its 2023 & as u said alto/swift leyna b dream hogya hai even after i am earning for past 6-7 years , this system is just designed to make pakistani people work & MAALIK people to just sit and tax us & live with world elites
Junaid bhai. Your work is so inspired that really motivates me alot. I am accountant by professional and completed my Master's in one of the top nosh university in Australia, back in 2017. I came back in 2021 with hope that that I will set well but I suffered a lot and exploit too much by employer here. But thanks GOD, three days back I got Australian pr and going back where I feel I should belong and value myself. Thankyou for you motivation and may ALLAH blessed you.❤🎉
Stay blessed you are doing phenomenal job
State bank of India gives loan without paying any instalment until completion of study on very low interest
Keep it up Junaid Bhai
👌
I did my undergrad from BITS Pilani, one of India’s top premier institute. Most of my colleagues went to study abroad on bank loans. More than 90% of them did not have the funds to finance their education. Many of them settled abroad, some returned to India. The most important factor in all of this was the alumni network. Funds are important, what is more important is alumni network. I remember how my seniors and batchmates played a crucial role as mentors for fellow students.Apart from guiding them about universities, courses, expenses, culture, city life etc, they also played a huge role in providing them employment. As a result BITSAA chapter has grown worldwide and we host meet-ups frequently around the globe. Google Bitsians day.
Nowadays, a lot of students in India are opting for job first followed by an MS. As a job allows a student to build good amount of funds and not rely on his/ her parents. Add to this that many of the students are opting for higher education within India. As of date, there are 23 IITs, IISc, 3 BITS campuses, IIST, 7 IISER, 25 IIITs, 3 ISI campuses and ~31 NITs. So India has around 100 high quality science and tech institutes, which are at par (if not better) than their global counterparts. Add to this the high quality pvt universities and central and state universities. So many Indians are absorbed in these homegrown institutions.
Fellow Bitsian here,
Like I remember one Senior tried to Do "londa bazi"
I straight started attacking him the same way he did to me
So he became so afraid of me he would just Run away if he sees me
Pakistan Government and Statebank should start student loans like in America. They are exploitative as hell, but there is no alternative. Something is better than nothing
In India banks will give education loans very easily .. but we need to collateral some property house or land or tax payer sign like these
There are plenty of options in Europe for masters. There are thousands of fully funded scholarships. You only need ielts, and in some cases, not even that!
Try your chance with erasmus mundus, eiffel scholarships etc. Ask alumni’s to review your documents. Its competitive but not impossible.
I took an education loan of Rs 7,40,000 to finance my M.B.A. I got placed as a consultant in an MNC. Got moratorium of 1 year. I pay EMI's. In 2 years I will end my outstanding amount. You are asked to give duration of moratorium , it could be either 6 months or 12 months. After duration period is over you can save money for 1 year and give ur emi's easily. Upto Rs 7,50,000 you don't have to give any collateral.(S.B.I). Your monthly emi depends upon the duration fixed by you during sanction of loan. For e.g if you mentioned 60 months for return of your amount and total amount is X Rs
Then per month emi is X/60 Rs.
Yes, I’ve had loan from HDFC bank 7 years ago! Without any guaranty because my father was government employee! Now he is retired! Interest rates were high but they approved loan within 2days and the funny part was they did home service! That means a guy came from bank to my house to do paperwork! Than my father told me, did you see the power of government job!
what do you do now?
26:50 I might be wrong but Junaid bhae seems to be referring to Fahad baloch :d
Block account is an account in the foreign country where they will be studying and they can withdraw limited amount every month!
Being someone who is currently going through the same process as the cosmic dreams guy, I have a lot of information on the issue and a handful of work arounds to the blocked account issue or any financial issue for that matter.
I can relate to the frustration as well and would be glad to speak to anyone who needs some guidance. Unfortunately, financial assistance isn’t something I can provide at the moment but hopefully in the future InShaAllah.
Kindly reply to this comment with your email so that we can discuss further.
Hi bro Can I get a job on the basis of Indian degree in foreign countries
Please share the information. I would really appreciate your time, thanks!
The banks usually directly pay the loan to the college/ University, minimising its misuse
I am 30 years now and since our childhood even with difficulties my father never hired a male help or a driver
Junaid bhai, I would like to recommend application Live 360 which can actually notify your family circle that when you about to reach Home, Work, School. My father/ mother / wife open the gate for me when i entered in my society.
Awesome video😎👍
Recommendation for question#1 . You can apply for MS degree in Finland . It will require 8 lacs to show in a account . It's a fully funded scholarship.
Scholarship name?
Bht dukh hta hy ye halat dekh k
@cosmic dream guy!
Apply for fully funded programs in other European countries or Australia, Newzeland for fully funded scholarship. Also, you may do masters from Pakistan NED/NUST and then apply for Ph.D abroad and apply for fully funded scholarship which not cover fee but also provide stipend to meet expenses.
Wish you all the best in life!
Yes, I agree. I am from India, couple of my friends were from weak economic backgrounds but they applied for a PhD and were assured of funding. It's a tough path for 5-7 years but probably life changing for this guy.
Inflation UK mein bhi taizi se barh rahi. Yahan roz rate barh jatey sab grocery lene jao rents to itne ziada, salaries low, non existent jobs and lay offs. So even developed country is struggling which is a financial powerhouse
swift is above 50 cultus above 40
33:00 UK mein bhi aisei hi hota. Same culture hai no difference. Its extremely offensive to report abuse in UK. In fact you get bullied more, speaking from personal experience studying in university here
Blocked account doesn't mean that you can not touch. You can withdraw a certain amount from it Around 900 euros a month, Its a Guarantee that a student can finance him or herself during their studies..
Dear try Sweden scholarship program which give you even tickets and monthly expenses as well. One my friend got his scholarship at the age of 40 which is very rare but he tried and got it fortunately. So try Sweden and I wish all the best.
In India, if a student is bright, he/she doesn't have to worry about money.. He can become anything..
UK muqeem Pakistani Jo struggle Kar ke apne visa theek kartey hain (excluding those who chose Marriage as a ladder to settlement) UN logon ke barely main video banaye. Takey upcoming Pakistanis Jo yahan ana chahein UN ko in depth clarification hojae to chose the best option and platform. Which would be better than gamble your time and age.
Students need to open a blocked account and deposit 11200 euros for applying for student visa. Once you are here you get a portion i.e. around 900 euros every month from that amount to cover your living expenses. This way the German Govt. wants you to focus on your studies rather than making money on odd jobs for the first year of your study.
A Block account means you blocked 11000 Euro in Germany, but you can't withdraw your whole amount in a single payout in a year. But they will pay you on a monthly basis after deducting a small amount of fee. The money all belongs to you. After one year your money will be in your bank.
I think with saylani you can start a consortium for education. They have massive data bank and as well as secruitny system related to amount. Its also a trust worthy organisation.
The issue I find is the safed posh clan.
Mangnay walay har class main hain, lower to financial elites - Muftay bol lein, ayaar bol lein, jhoota bol lein.
Safed posh ko yaa uska Rabb janta hay, ya woh khud.
Junaid bhai, south Asia as a whole is on the brink of revolution as even the basic food has moved away from the reach of poor. While India is sustaining it with free food (kab tak), many others like Pakistan, Bangladesh and Sri Lanka cant afford it.
Bro how India which is majority of south Asia is even on brink?? Over years we have successfully decreased our acute poverty
Don't include India here. In India staple food prices of non-branded atta, rice, lentils has remained same around rs 35, rs65, rs 120 respectively since last 10 years whereas price of atta in pakistan was pkr 36 in 2018, pkr 80 in 2020 and has reached pkr 160 in 2023. This is runaway hyper inflation. No other country in south asia has this problem
Tip for students apply Italy university for master there is financial aid for foreign students
(Middle child broken family)
Should join some kind of Marshal arts or gym to be confident.
India me be bohot mobile snatching hoti hai...maximum people comes in such profession is same peaceful people.,mera kudka hua arre Bhai chalte bike se pocket se uta liye...
As someone living in Germany, To the Cosmic Dreams guy I want to tell you that the 11,000 euros that you will submit is basically your monthly expenses for 1 YEAR, but by then students find odd jobs and than they can live off of that (FYI: As a student you cannot get a work permit before at least 6 months on a student visa).
Either way you won't be getting those money back in a way that you can just pass it along to cover your loans. That being said I am working full time in Germany for the past 1 year and its not easy at all living with 11,000 euros per year even in very cheap cities and God help you if you go to a city like Hamburg, Frankfurt or Munich etc.
Hi 👋
I am a 1st year student in Fsc. Could you please give me some tips for applying for a ln undergrad course in Germany and the pros and cons of studying in Germany. I'll be waiting for the reply thanks!
I took 4.5 lakh for graduation currently I am earning 45k INR it's quiet less though but I am paying 5k month to axis Bank
100% correct watch your kids. 4 times been in situation I would never get my kid in.
In Europe the labourers, who get high income, work like freelancers. Usually they get minimum wages. BUT the social system helps them financially, govt return their taxes... Those people even cheat govt and don't show their income fully in order to get the social money... That's why they have good cars...
First junaid bhai, you don't need our help. You need assistance. As I was watching your ask ganjiswag with your better half. After that I would this young this and productive man to apply for Italy and other European countries. Particularly Italy cuz it offers fully funded scholarships with a bonus stipend of 5000Euros per year in various programs. Best of luck.❤ A fan from Multan.
Its true Sir in India banks give educational loan
Swift base variant is 44 lacs ( GL MT)
You should make video for i
Kids to encourage joining marshal arts... Even adults if they miss out they can learn Ikido form of Marshal arts or any form of excersice
23:00 Salman Bhai Jai Ho movie philosophy lol
Block account Germany kai bank save rakhnay hotay hai 12000 euro 38lac pkr
Education loans are very normal and common in India...as long as you're not a duffer! 🇮🇳
Junaid Bhai you are amazing loved all ur podcast ask ganji swag I’m literally addicted @junaid Akram
Hamare Punjab me ghar ghar ka bacha Bahr study karta abb uni aur college khaali hai Punjab me
10:49 London same situation mobiles laptops do get snatched here as well
Bhai joo bhee hoo Pakistan sy toh kum bura hai na uk
@@Boh123- haan par yahan aur systematic issues hain after all culture stems from here in pak india
Jdc foundation it will provide everything need for her this foundation will help her
5:53 same in UK Pakistanis cry so much i kid you not
Q1, stop pursuing for masters degree from abroad if you don't have money. A degree from NED with work experience more than enough. Migrate to Australia. I've seen so many NED graduates with first salary at least $75k annual in Melbourne, Sydney and Perth. Please Please my fellow Pakistanis, Migrate to Australia.
Once you get a residency in Australia, you can get admission to any Australian university with government loans.
Immigration requires 50 to 60 lac
Australian immigration doesn't require any money to show
@@sarab2864 Thanks... I will try for Australia as soon as my BS ends
Yaar Junaid Bhai you are Love ❤️
We definitely have a bad time from very long time but solution is not in fleeing away, a man stands and fights all the way to success for his home.
Do you think leaving the country is a good decision.
*Gangi paah* criticism is easy than to speak for the solution.🇵🇰🇵🇰
har banda patriotic hy jab tak usko moqa nai milta bahir janay ka
Junaid bhai ek or problem hai
Wo ye k Srf Germany nhn hai option main . Bohot si Univeristies diff part of world specially Europe . Where you can get scholarship with so ease .
He can also go for that . And when he feels that he got that much backup then he can go for options in Germany .
Block yeh hota ke apke paas germany jaa ke rehne ka kharcha hai. Access hota hai App montly 750€ withdraw kr sakte only
Sir @AskGanjiswag Pakistani currency ko tou pack karwao. Chinese k sath he karwa lo. devalue to nahi ho ge.
Pakistani currency losing its value...
پاکستانی کرنسی اپنی قدر کھو رہی ہے...
2015
1 Yuan to PKR = 15
2023
1 Yuan to PKR = 41
#PKR #Pakistanicurrency #PKR #yuan #Chineseyuan
Professor amjal sawand exert in (AI) was killed here who left France to teach his country's student.
Yes you’re right Junaid. There used to be “wasooli bhai “ 😂
Forgive my utter ignorance but can someone please explain, if the inflation is so high to point wherein 3 plate tikka paratha costs 1700 rupees. How are regular people surviving? Since salaries will not increase during this period.
They aren't. We always hear people crying about their heartbreaks but what we never hear are, The heartbreaks of a balloon seller (not a beggar) who couldn't make enough for the day to get 2 meals for his family, The heartbreak of a child/women getting harrased or possibly r*ped but they can't tell anyone about it, The heartbreak of those students who studies whole year but still gets overlooked by those who bribes to get better grades, The heartbreak of a father/mother when their child(s) complains about their lifestyle when in reality those father/mother are doing everything to give them a better future and believe me this list keeps going. Pakistan has not only become financially unstable but people living inside it are mentally/physically broken as well. And then everyday some disgusting events keep taking place, Someone's calling themselves a nabi and some people are promoting homosexuality, Allah ka azaab nhi samjhe to kiya samjhe isko? Allah naa karey but hum logo k saath wohi hoga jo Qoum-e-loot k saath hua tha,
Still so much. Education loan problem in India bro
AOA I want to ask question is there anyway to send my question can't post in comment section due to some issues
Indians like here🇮🇳👍
I am doing MSc from KCL, wahan graduate program ho ya masters sare middle class Indians he perh rahe hain. 3 years graduate cost over 35k gbp and 2 years Master cost over 25k gbp.
Azad Chaiwala ☕️ 25:00😂
But wo paisay tau nahi mangte
Honda civic in India is of 16 lacs
What about the Chinese done blasphemy???? Why no media report😮😮😮😮😮
Who cares
Cause geopolitiks
For the blocked account guy.
It is very difficult to arrange that amount of money considering the situation of inflation and currency devaluation in Pakistan.
I, as well, have made up my mind to pursue masters in Germany. At that time the amount was only 1.8mil PKR but now the same amount is 3.6mil PKR and God knows what the situation would be after 2 or more years.
I earn a good salary now, but it is gonna take me at least 2.5 years to gather this amount.
Anyhow, if you have good grades and a good profile, you may try Finland, Italy, Norway, Latvia, Sweden or Latvia. They don't require a blocked amount and the fee is affordable as well.
Also try to get Erasmus scholarship or other scholarships if you have good CGPA and work experience.
May Allah bless us all!
@6:55 For People who are interested to know about the German Blocked Account
1. What it a Blocked Account?
Foreign students who are not from an EU country must prove that they can pay for their studies and living expenses themselves. This blocked account is opened with a bank and the amount is blocked for a set amount of time (usually 12 months). The blocked amount is unlocked(released) on a monthly basis to be used by the student.
2. How much is Amount is Required to be blocked each year?
This amount is based on the "Grundfreibetrag" or the "Basic Living Allowance". The German state assumes that a single person will need an amount of €10,908 per year in 2023 (2022: €10,347) to live on. This amount is used to buy all necessities such as food, clothing, rent, etc. Hence the blocked amount for each year corresponds to this Grundfreibetrag
3. How to circumvent this requirement?
Students can get an exemption from this Blocked account if
a. They get a sponsorship letter from someone in Germany (usually a family member) that they will support the student.
b. Find a Scholarship (best resource for that is www.daad.de)
viel Glück und Bleib Gesund!
Junaid bhai I like your suggestion to people of your country to get educated and help others.
But I think some need to come back to make reforms in Pak as well. Brain drain will just keep worsening the situation in Pak.
Harry Truman helped set up the best universities in America, in order to make their country better instead of depending on
others in the long run.
I understand Pak is lacking a visionary leader. But Brain drain will never let Pakistan bounce back ever.
Once the person moves out, they wont gonna come back given the situation of Pak anyway.
I am damn sure, if at all this kind of situation happened in India. Indians will put their money, blood and sweat to get the country back on its toes. But I dont see the same feeling in Pakistani kaum.
Just my thoughts.😕😕
24:43 which sahab is he talking about? Fahad Baloch??
Plz let us know
I don't think so