Education Loan for Netherlands – Study Smarter with PayStudy

In the academic year 2021–22, there was a remarkable 12% rise in international students choosing the Netherlands. According to the Indian Ministry of External Affairs, over 1,900 Indian students pursued higher education here, a number expected to grow steadily in the coming years. With its globally acclaimed universities, cutting-edge research, and vibrant student culture, the Netherlands has quickly become a leading choice for those seeking to study abroad.

However, even with relatively affordable tuition compared to destinations like the USA, UK, or Canada, studying in the Netherlands requires smart financial planning. That’s where PayStudy helps, offering low-interest overseas education loans, no collateral education loans for abroad studies, and fast approval overseas education loans through India’s most trusted digital education loan platform.

Cost of Studying in the Netherlands

Before applying for an education loan, it’s important to understand what studying in the Netherlands costs. The total cost generally includes tuition fees and living expenses, both of which vary by university and location.

Tuition Fees – Annual Average

Program	Tuition Fees per Year
Bachelor’s Degree	EUR 6,000 – 15,000
Master’s Degree	EUR 8,000 – 20,000
Private Universities	EUR 25,000 – 30,000

Cost of Living – Monthly Estimate

Expense	Cost (EUR)
Accommodation	400 – 1,000
Food	150 – 170
Transportation	40 – 80
Internet	30 – 50
Miscellaneous	150 – 200

Total monthly living expenses: approximately EUR 800 – 1,500.

By choosing the best study abroad loan platform, students can easily manage both tuition and living costs through flexible repayment options and lower interest rates.

Eligibility Criteria for Education Loan in the Netherlands

While each lender has its own guidelines, here’s a general eligibility checklist:

Applicant must be an Indian citizen aged 18 or above.
Must have confirmed admission in a recognized Netherlands university.
For no collateral education loans for abroad studies, a financially strong co-applicant is required.
For secured loans, applicants must have valid collateral (property, FD, or insurance).
Proof of academic merit and English language proficiency.

Need Help in education loan?

Full Name *

Email *

Phone Number *

Target Course Country *

Admission Status *

Required Loan Amount *

Documents Required for Student Loan in the Netherlands

To ensure a smooth loan process, keep the following documents ready:

Offer or admission letter from the university
Completed loan application form
Details of study expenses
Valid ID and address proof
PAN card of the applicant
Bank statements of student/co-applicant/guarantor
Income proof of co-applicant/guarantor
Statement of assets (if applicable)

With PayStudy’s digital education loan platform, document collection and verification become fast and paperless, ensuring fast education loan approval.

Secured Education Loan for Netherlands

A secured education loan (with collateral) offers several advantages, including lower interest rates, longer repayment tenure, and higher loan amounts. Collateral could be residential property, fixed deposits, or insurance policies.

Lender	Max Loan (INR)	Interest Rate	Margin Money
SBI	Up to ₹1.5 Cr	9.65% – 10.15%	10%
UBI	Up to ₹1 Cr	9.25% – 9.75%	10% (listed univ.) / 15% (non-listed)

Secured loans are ideal for students seeking an education loan for international universities where total costs are higher and repayment flexibility matters.

Unsecured Education Loan for Netherlands

For students without collateral, no collateral education loans for abroad studies (unsecured loans) are a great option. These loans are assessed based on academic performance, university ranking, and co-applicant profile.

Lender	Max Loan Amount	Interest Rate	Margin Money
Axis Bank	₹50 Lakhs	11% – 13.5%	5%
ICICI Bank	₹50 Lakhs	10.85% – 12.5%	0–15%
IDFC FIRST Bank	₹35 Lakhs	11.75% – 13.25%	Nil
HDFC Credila	₹20 Lakhs (STEM only)	12% – 13%	Nil
Avanse	₹20 Lakhs (STEM only)	12.75% – 13.25%	Nil
Prodigy Finance	$100,000 USD	12% – 14%	Nil

Through PayStudy, students can easily compare lenders and secure a student loan for Netherlands that matches their academic and financial goals.

Repayment & Moratorium

Most loans for studying in the Netherlands offer a moratorium covering your course duration + 6–12 months. Repayment tenures range from 10–15 years, depending on the lender and loan type. PayStudy simplifies your repayment planning with built-in calculators, helping you estimate EMIs, interest, and tenure, ensuring financial clarity before you even begin.

Why Choose PayStudy for Netherlands Education Loan?

Low-interest overseas education loan options from multiple banks and NBFCs
Fast approval overseas education loan process with minimal paperwork
Dedicated loan expert to guide you throughout the journey
Compare multiple lenders on one digital education loan platform
Get education loans for top overseas colleges and universities in the Netherlands
100% online application, transparent updates, and doorstep document pickup
Recognized as one of the best study abroad loan platforms trusted by thousands of Indian students

Steps to Apply via PayStudy

Check your eligibility instantly on PayStudy’s platform.
Get matched with the most suitable lender based on your profile.
Upload documents digitally – no long queues or repeated submissions.
Receive expert support until disbursement.
Track your student loan for studying abroad in real-time via dashboard access.

With PayStudy, you don’t just apply, you accelerate your study abroad dream with the assurance of fast education loan approval. The Netherlands combines academic excellence with affordable living, making it an ideal destination for Indian students. And with PayStudy by your side, financing your education becomes seamless. Whether you need a low-interest overseas education loan or a no collateral education loan for abroad studies, our platform ensures you find the perfect fit quickly and transparently.