With the Income Share Agreements, you can focus on your studies at the EBZ Business School, while CHANCEN eG takes care of your tuition fees. In exchange, you commit to affording future generations with the same opportunity. Once you start working and earn above the minimum income threshold, you start making income-based repayments.
The Income Share Agreements (ISA) ensures equal access to education with a fair financial solution, irrespective of your current financial status.
CHANCEN eG takes care of your tuition fees so you can focus on your studies.
Contrary to regular loans, your repayments are made to the CHANCEN eG community and they are based on your income. You do not have a fixed amount of debt, but rather a repayment plan that is tailored to suit your individual financial capacity.
Repayments only start when you earn above the minimum threshold of 27.000 Euros Gross. This ensures that the repayment plan is only activated when you can really afford it.
The repayment value is capped and reaches a maximum amount. A high income does not mean that the repayments are excessively high.
CHANCEN eG takes care of your tuition fees so you can focus on your studies.
Contrary to regular loans, your repayments are made to the CHANCEN eG community and they are based on your income. You do not have a fixed amount of debt, but rather a repayment plan that is tailored to suit your individual financial capacity.
Repayments only start when you earn above the minimum threshold of 27.000 Euros Gross. This ensures that the repayment plan is only activated when you can really afford it.
The repayment value is capped and reaches a maximum amount. A high income does not mean that the repayments are excessively high.
Prof. Dr. Raphael Spieker
Prorector for Studies and Teaching, EBZ
“The real estate industry offers perspectives for people with the most diverse backgrounds and talents. Since the opportunity to study at our university should be open to everyone, we are very pleased about the cooperation with Chancen eG. It fits in perfectly with our claim to support everyone who is motivated and enthusiastic about our business.”
During your studies, we take care of your tuition fees, partially or completely. When you graduate, income based repayments are made to Chancen eG over a 8 year period. Should your annual income be less than 27,000 Euros Gross, repayments are not required. Your repayment is then shifted to a period when you earn above the minimum income threshold.
The funding for the degree course B.A. Real Estate (part time & full time) will not be possible for the summer term 2021.
|
Course / Financing option |
Semester | Tuition fees | repayment period | Income share |
|---|---|---|---|---|
| B.A. Digitalization and Real Estate Management part-time (Bochum, Hamburg) | 7 | 24,010 EUR | 8 | 14.28 % |
| B.A. Digitalization and Real Estate Management distance learning | 6 | 21,112 EUR | 8 | 12.56 % |
| B.A. Digitalization and Real Estate Management full-time (Bochum) | 6 | 24,000 EUR | 8 | 14.71 % |
| B.A. Municipal Real Estate Management part-time (Bochum) | 7 | 24,010 EUR | 8 | 14.28 % |
| B.A. Real Estate part-time (Bochum, Hamburg) | 7 | 24,010 EUR | 8 | 14.28 % |
| B.A. Real Estate distance learning | 6 | 21,112 EUR | 8 | 12.56 % |
| B.A. Real Estate full-time (Bochum) | 6 | 24,000 EUR | 8 | 14.71 % |
| M.A. Real Estate Management | 5 | 18,050 EUR | 8 | 9.36 % |
| M.Sc. Project development | 5 | 18,050 Euro | 8 | 9.22 % |
The first step towards your future is the decision to study at the EBZ. With the ISA you have the freedom to choose your desired degree.
As soon as you have applied at the EBZ, you can simply apply for support from CHANCEN eG. Complete the application form and select a date for your interview. We will arrange the interview either at EBZ or in our offices. Should you be a suitable member for our community we will offer you a contract. Please note you do not require collateral or surety.
You can completely focus on your studies. With the ISA your tuition fees are paid directly by CHANCEN eG to EBZ. Once you have graduated you can take your time in deciding what the next steps on your career path will be. Maybe you would like to travel, do an internship or start a masters program?
As soon as your annual income exceeds 27.000 Euros you start repayments to CHANCEN eG, set at a fixed percentage of your total income. To calculate your individual annual repayments, your annual tax return statements are disclosed to us. Should you take a sabbatical or choose to study further your repayments are put on hold until you can afford to pay them again.
Your repayments ensure that future generations also have access to education using this fair financial model.
Your repayments are discontinued once you have reached the end of the repayment period, irrespective of the sum of money you have paid back. You are welcome to continue being a member of CHANCEN eG and engage in educational funding opportunities for future generations.
Tom Green
Student & Alumni Services